Li Chun 2025: Timing Your Deposits For Prosperity In The Year Of The Wood Snake

Samuel Chua

27th January 2025 - 9 min read

As the Year of the Wood Snake slithers into view, Li Chun—the Chinese solar term marking the beginning of spring—promises to set the stage for a year of transformation, growth, and prosperity. Beyond its agricultural roots, Li Chun has become a significant moment for ushering in financial fortune, with many turning to this auspicious time to align their wealth-building efforts with the universe’s energies.

Whether you’re a believer in zodiac-based luck or simply curious about ancient traditions, Li Chun 2025 presents an intriguing opportunity to supercharge your finances. By depositing money at the right time based on your Chinese zodiac sign, you can symbolically invite prosperity into your life and pave the way for a successful year ahead.

Curious about your zodiac’s lucky time for depositing money this Li Chun? Dive into the fascinating interplay of tradition and timing, and discover how to make this spring festival work for you.

Zodiac Signs & Li Chun: Timing It Right

For 2025, Li Chun officially begins at 10:27 PM on 3 February. However, the prime time for making deposits falls on 4 February, with many signs benefiting from specific time slots throughout the day. Notably, the period between 1:00 PM and 2:59 PM is regarded as one of the most auspicious windows for the majority of zodiac signs, allowing them to align their wealth-building efforts with favourable energies. However, not every sign shares the same luck during these hours. For example, some signs, like the Rat, Ox and Dog are exceptions and do not benefit from this general timeframe.

To make the most of Li Chun, meticulous planning is essential. If your zodiac sign’s auspicious hours fall outside the general timeframes, you’ll need to be especially mindful. Missing your specific window, particularly if it’s limited, could leave your financial fortune up to chance. So, make note of your zodiac sign’s recommended hours and prepare to act at the perfect moment. With the right timing, Li Chun 2025 could set the tone for a prosperous and abundant Year of the Wood Snake!

Where To Deposit Your Money?

Traditionally, many people would make their way to automated teller machines (ATMs) or visit bank branches to perform their Li Chun deposits. As such, it’s not unusual to see long queues forming at banks on this special day, with everyone eager to secure their spot during their zodiac’s auspicious hours.

However, in recent years, Malaysians have embraced the convenience of digital banking, with platforms like DuitNow becoming a popular alternative. With DuitNow, you can transfer money instantly via your mobile phone, skipping the hassle of queues and saving precious time. The flexibility of mobile banking means you can perform your Li Chun deposit from the comfort of your home or even during a busy day, ensuring you don’t miss your zodiac sign’s lucky window.

Exploring Other Deposit Options

For those looking to elevate their Li Chun deposit beyond a simple savings account transfer, there are several other financial products and solutions that can symbolise prosperity while also maximising the growth of your wealth. Consider these options for a more strategic approach to your Li Chun deposits:

Fixed Deposits

Fixed Deposits (FDs) remain a popular choice for Malaysians who want a secure and predictable way to grow their wealth. By locking in your funds for a fixed period, you can enjoy guaranteed returns with higher interest rates compared to standard savings accounts. Many banks in Malaysia offer competitive FD promotions around festive periods like Chinese New Year, making Li Chun the perfect time to start or renew a fixed deposit. Choose a tenure that aligns with your financial goals, and your Li Chun deposit could do more than invite symbolic fortune—it could create tangible financial growth too. You can also check out our Best Fixed Deposit Accounts article (updated regularly) to see what other promotions are available in the market.

One key consideration with FDs is the lock-in period. To earn the attractive interest rates offered, your money must remain in the FD account for the agreed duration. If you foresee needing access to those funds in the immediate future, FDs may not be the ideal choice. Additionally, many promotional FD campaigns require a minimum deposit amount, often ranging from RM5,000 to RM10,000 or more, which may not suit all savers.

High-Interest Savings Accounts As An Alternative

Another alternative includes high-interest savings accounts that offer rates comparable to FDs but with the added benefit of liquidity. Unlike FDs, you can access your funds at any time without penalties. However, these accounts often require you to meet specific conditions, such as using the account for salary deposits, spending a certain amount, or maintaining a minimum balance. Review the terms carefully to ensure they work in your favour before committing.

Cash Management Solutions

For individuals or businesses seeking greater flexibility, cash management solutions offered by many Malaysian banks provide an excellent way to manage liquidity while still earning returns. These accounts often allow you to enjoy better interest rates on your idle cash compared to standard current accounts, while still offering easy access to funds.

Unlike FDs, cash management solutions don’t require you to lock in your funds for a fixed term, allowing you to withdraw your money whenever needed without penalty. They’re also accessible to everyone, with many platforms allowing you to start investing with as little as RM1, making them ideal for first-timers and seasoned savers alike. Leveraging such a solution for your Li Chun deposit not only aligns with the tradition of attracting wealth but also ensures that your money works for you.

Investment Products

For those with a long-term mindset, investing your Li Chun deposit in products such as unit trusts, ETFs, or other market-linked investments can be a bold yet rewarding move. If you’re considering innovative ways to “plant” seeds for your future, particularly for retirement, making self-contributions to your Employees Provident Fund (EPF) account is a compelling option. Voluntary EPF contributions can be made via the i-Akaun portal or through internet banking. These contributions not only bolster your retirement savings but also offer tax relief benefits. As of the 2024 assessment year, individuals can claim up to RM4,000 for mandatory or voluntary EPF contributions, and an additional RM3,000 for life insurance premiums or additional voluntary EPF contributions, totaling a potential RM7,000 in tax relief.

Investing in PRS is another viable option, with contributions providing tax relief of up to RM3,000 annually, extended until the 2025 assessment year. However, funds in PRS accounts are generally locked until retirement, with pre-retirement withdrawals subject to an 8% tax penalty.

Expanding the concept of Li Chun, you might also consider investments via robo-advisors. Many cash management solutions are integrated within robo-advisor platforms, which offer diversified investment portfolios. For instance, StashAway provides various portfolios, including General Investing and Thematic Portfolios, catering to different risk appetites and financial goals. Other robo-advisors available in Malaysia include MYTHEO, Wahed Invest, KDI, and Raiz, each offering unique features to assist in your investment journey.

By choosing to invest your Li Chun deposit, you symbolically align with the growth and renewal themes of spring, turning your gesture of prosperity into a proactive step toward building wealth over time.

Take Your Li Chun Game To The Next Level In 2025

Depositing money during Li Chun is more than just a routine; it’s a ritual steeped in tradition and symbolism. If you’re looking to infuse more creativity into the practice (and maybe supercharge your luck while you’re at it), here are some fun and feng shui-approved ways to amplify your Li Chun experience!

Tip #1: When making your Li Chun deposits, choose amounts that resonate with prosperity and good fortune. Popular choices include RM28, RM88, RM168, or RM888. Feeling bold? Add a personal touch by aligning the amount with lucky numbers specific to your zodiac sign! But beware—steer clear of your unlucky numbers to avoid throwing a wrench in your plans for wealth.

Tip #2: Channel those auspicious vibes by dressing in your lucky colours for 2025 when you make your deposit. Experts say that wearing colours tied to your zodiac can amplify your financial luck. If you’re unsure, stick to red—universally celebrated as the colour of prosperity and joy in Chinese culture. Bonus: it’s also perfect for those Li Chun selfies! Go ahead and check out the full list here if you’re interested.

Tip #3: Not all hours are created equal on Li Chun. Feng shui masters are unanimous that the 11:00 AM – 12:59 PM timeslot on 4 February 2025 is the most auspicious period to make your deposit. If that’s your lucky window, make it count. Other times can work too, but why settle for good when you can aim for great?

Tip #4: While the temptation to make multiple deposits during Li Chun might be strong (more deposits = more wealth, right?), that’s not how it works! Stick to one well-timed, meaningful deposit. Prosperity comes from the act itself, not the quantity of transactions.

Tip #5: This year, why not make a symbolic deposit for someone you care about? Transfer a lucky amount (like RM88 or RM168) to a loved one’s account with a heartfelt message wishing them prosperity. Sharing your wealth amplifies the positive energy and doubles the joy of Li Chun!

*****

Li Chun is more than just a tradition; it’s a moment to reflect on the importance of building a prosperous and secure future. As you embrace this auspicious occasion, let it inspire you to make meaningful financial decisions in the Year of the Wood Snake. Here’s to a year filled with growth, success, and abundance—Happy Chinese New Year!

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