And I understand.

Now imagine someone invested RM993 a month for the next 12 months... at 6.5% return, he would have received RM415 in distribution. This distribution would have increased his soft cap.

After 137 months, this fella would have about RM200k in his ASB account. RM136k as his principal investment , and RM64k as dividend earned. At this point, his capping would have increased by RM64k, and he can continue to invest his cash on a monthly basis