ASB Loan RM200k 25 years VS AIA A-ENRICH 25 years saving plan

[hairi86]

mane ade org layan loan ASB smpi 25thn....2 or 3thn terminate and reapply for new limit...cer study thread ASB loan dr mula smpi abes....brape ROI sbenar ASB loan ni...simple sgt calculation tu....

 

[Ahmad07]

yes bro,takaful, actually plan ni hybrid plan, investment+protection (death&total permanent disability)

takaful rupanya... ade apa2 impak tak dengan plan dividen dan pembayaran setiap bulan jika peserta exsiden eksiden dengan lori, kemudian patah kaki kiri, sampai ke lutut kene potong (dikira parmenent disability?)...

 

[infinityplayaz]

saya lebih suka compaunded interest..

sbb nak maximise kan keuntungan...

lagipula ASB bole withdraw anytime bila masa keadaan mendesak

btol,sy pun suka compounded untuk future use,tp plan ni sesuai untuk siapa y nak ada extra money at the end of the year,mcm sy bg contoh td,nk shopping ke,melancong ke

klu nk maximize letak kt sni la :



RM 2,282119 after 25 years

 

[Ahmad07]

mane ade org layan loan ASB smpi 25thn....2 or 3thn terminate and reapply for new limit...cer study thread ASB loan dr mula smpi abes....brape ROI sbenar ASB loan ni...simple sgt calculation tu....

takpe bro... ni untuk orang yg limit loan ASB dah full... boleh consider plan ni kalo betul2 menarik...

 

[infinityplayaz]

takaful rupanya... ade apa2 impak tak dengan plan dividen dan pembayaran setiap bulan jika peserta exsiden eksiden dengan lori, kemudian patah kaki kiri, sampai ke lutut kene potong (dikira parmenent disability?)...

(100% Sum Assured plus Outstanding Guaranteed Cash Payment) OR (200% Sum Assured),whichever is higher <------natural death
(100% Sum Assured plus Outstanding Guaranteed Cash Payment) OR (200% Sum Assured),whichever is higher PLUS Additional 100% Sum Assured <---accident

 

[infinityplayaz]

mane ade org layan loan ASB smpi 25thn....2 or 3thn terminate and reapply for new limit...cer study thread ASB loan dr mula smpi abes....brape ROI sbenar ASB loan ni...simple sgt calculation tu....

thanks bro,sy tau,sy sendiri pon ade buat asb loan,tp this plan is to diversify your investment. org cakap jgn letak telur dlm satu bekas,bekas jatuh,pecah smua telur.

 

[infinityplayaz]

takpe bro... ni untuk orang yg limit loan ASB dah full... boleh consider plan ni kalo betul2 menarik...

btol,asb loan limit 200k je,plan ni nk letak 1mil pon boleh kalau ada.

 

[Ahmad07]

(100% Sum Assured plus Outstanding Guaranteed Cash Payment) OR (200% Sum Assured),whichever is higher <------natural death
(100% Sum Assured plus Outstanding Guaranteed Cash Payment) OR (200% Sum Assured),whichever is higher PLUS Additional 100% Sum Assured <---accident

outstanding cash tu termasuk 200k yg final ker?? since bende ni takaful, die ade konsider kelas pekerjaan gak ker??

 

[infinityplayaz]

yea ke ni....experience mcm mne 2

Ex: Sy ada 100k cash saving.

1) Sy letak saving 100k tu dalam unit amanah y return 10-15% per annum.
2) Return 10-15% per annum tu sy keluarkan,diversify kt dlm 25 years plan ni
3) Enjoy double return (unit amanah + guaranteed return) + no extra commitment (money work for me)

 

[infinityplayaz]

outstanding cash tu termasuk 200k yg final ker?? since bende ni takaful, die ade konsider kelas pekerjaan gak ker??

tak termasuk,biasanya kalau plan mature due to death akan dapat lebih dari 200k(extra 100% dari coverage) or kalau death due to accident(extra 200% dari coverage).

yup.ikut pekerjaan,kalau nak quotation blh pm sy umur n kerja apa.