Loan ASB

[hamzah]

calculation tu termasuk cummulated dividend + simpanan ko bulan2 dlm ASB..jgn kire RM3180 x 15 thn..kena amik kire dividend..cuba kire kat dlm excel..pasti dpt jawapan..

boleh u tunjukkan projection ni dlm excel dn post kan kat sini?

 

[hamzah]

utk bagi korang clear lagi..aku bagi cth kalau loan RM20k selama 15 thn..

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dividend x silap aku kalau loan ngan bank dia akan bagi 1% bonus..ASB akan bagi 8%..so akan dpt 8%+1% every year..

itu kalau xsilap kak, wat if kalau silap? there might be possibilities tu kan? sbb ASB nyer return pun x fixed as what u r expecting. cuba tgk from the past 15 years, mcm mana return yg diberi.. and yes, after dah tolak dgn expenses yada2, for 15yrs of saving, u only get 46% (average to 3.067% a year)? r u really satisfied with that my friend? agak xberbaloi dgn usaha u mmbayar loan tu.

that's what i think la. but if u have oredy started ur loan investment, and believe in what u'll get, u may proceed with it.

 

[Millionaire_Girl]

sorry bro!!salah kire..hehe

kalau saving sendiri tiap2 bulan kena simpan RM360..hehe..baru dapat RM139k after 15 years..tersalah link la dlm excel..jgn marah ha..

tapi aku nak tanya la kan..
kalau simpan sendiri Rm360 sebulan selama 15 tahun,boleh comfirm dlm ASB ade RM139k??disiplin diri kena ade..kena tiap2 bulan simpan..

 

[Millionaire_Girl]

itu kalau xsilap kak, wat if kalau silap? there might be possibilities tu kan? sbb ASB nyer return pun x fixed as what u r expecting. cuba tgk from the past 15 years, mcm mana return yg diberi.. and yes, after dah tolak dgn expenses yada2, for 15yrs of saving, u only get 46% (average to 3.067% a year)? r u really satisfy with that my friend? agak xberbaloi dgn usaha u mmbayar loan tu.

that's what i think la. but if u have oredy started ur loan investment, and believe in what u'll get, u may proceed with it.

ASB ni mmg x dpt banyak pulangan kalau dibandingkn ngn unit trust..for long term,better pilih ASB..ASB setahu aku,dividend tak akan kurang dr 8% kalau negara kacau bilau pn..n harga seunit fixed =RM1..n ASB x byk risiko berbanding pelaburan lain..

aku tak tau la unit trust-public mutual..mmg byk dividend dpt kalau invest unit trust..tapi kalau inflasi n ekonomi negara tak stabil,mcm mana ngn capital gain??akan berubah kan..aku tak teror unit trust ni tapi aku akui unit trust ni mmg cepat dpt return..

utk long term,better labur di ASB..biar lambat tapi selamat..hehe..

 

[hamzah]

ASB ni mmg x dpt banyak pulangan kalau dibandingkn ngn unit trust..for long term,better pilih ASB..ASB setahu aku,dividend tak akan kurang dr 8% kalau negara kacau bilau pn..n harga seunit fixed =RM1..n ASB x byk risiko berbanding pelaburan lain..

aku tak tau la unit trust-public mutual..mmg byk dividend dpt kalau invest unit trust..tapi kalau inflasi n ekonomi negara tak stabil,mcm mana ngn capital gain??akan berubah kan..aku tak teror unit trust ni tapi aku akui unit trust ni mmg cepat dpt return..

utk long term,better labur di ASB..biar lambat tapi selamat..hehe..

ok kak, kita xperlu involvekan other instrument la kan.. ok, y not u save RM220 per month, dalam ASB? instead of buat loan dan akhirnya u dpat pulangan 46% shaja for the next 15 years? kalau la u invest RM220 per month, for 15 years, with at least 8% per year, by end of 15 years tu, u dh boleh achieve RM77,363 bersih, which is more than what u gained if u buat loan...

sama je, kalau buat loan kena byr bulan2 gak, so y nt dari byr bulan2 kat bank, baik bubuh dlm akaun sndiri... tmbh self discipline skit la..xbyk pun hehe

apa kata kakak? mana yg lebih profitable actually?

i'll not discuss on the benefit of unit trust here, sbb thread unit trust ada je kat sebelah. if u wanna know more bout it, boleh la selak2 thread tu k.

saya cuma beri pandangan. juz hope for the best actually.

 

[Millionaire_Girl]

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Lepas abis loan ngn bank 15 thn,dlm ASB dah ade RM72k pada umur 39thn..cuba bayangkan bila umur 55 thn(pencen)..dalam ASB dah ade RM290k..dlm masa 16 thn lagi nak pencen,duit dlm bank dah cecah RM290k..so,give advantage gak kat org yg keje private sbb xde wang pencen dpt bulan2..duit ASB n EPF je yg ade utk idup lepas umur 55 thn..

Tu sbb ASB ni for long term..nak dpt return cepat ASB x bagus kalau nak invest...better go to public mutual etc..

 

[smate]

kl korg disiplin okla

kl x, x payah la...nanya jer nnt kene penalti
kira2 blk, rugi

 

[Millionaire_Girl]

ok kak, kita xperlu involvekan other instrument la kan.. ok, y not u save RM220 per month, dalam ASB? instead of buat loan dan akhirnya u dpat pulangan 46% shaja for the next 15 years? kalau la u invest RM220 per month, for 15 years, with at least 8% per year, by end of 15 years tu, u dh boleh achieve RM77,363 bersih, which is more than what u gained if u buat loan...

sama je, kalau buat loan kena byr bulan2 gak, so y nt dari byr bulan2 kat bank, baik bubuh dlm akaun sndiri... tmbh self discipline skit la..xbyk pun hehe

apa kata kakak? mana yg lebih profitable actually?

i'll not discuss on the benefit of unit trust here, sbb thread unit trust ada je kat sebelah. if u wanna know more bout it, boleh la selak2 thread tu k.

saya cuma beri pandangan. juz hope for the best actually.

tak ramai dlm dunia ni yg boleh disiplin diri simpan duit sndiri dlm bank..kalau ade,mmg tabik spring la..hehe..mesti nak kuarkan jugakla..saya akui saya tak disiplin..hehe..tu sbb buat loan..hehe..at least ms umur 39thn,ade RM72k dlm akaun..better la dari org yg x menyimpan dari awal..

 

[ableze_joepardy]

tak ramai dlm dunia ni yg boleh disiplin diri simpan duit sndiri dlm bank..kalau ade,mmg tabik spring la..hehe..mesti nak kuarkan jugakla..saya akui saya tak disiplin..hehe..tu sbb buat loan..hehe..at least ms umur 39thn,ade RM72k dlm akaun..better la dari org yg x menyimpan dari awal..

from my calc..

loan RM20k selama 15 thn (monthly RM220) adalah tak berbaloi sbb die pnye profit is lebey krg aje..

Loan RM20k after 15yrs:
Monthly = RM220
Total Paid = RM39,600
Bal. after 15yrs = RM72,849.65
% ROI = 45.64%

Self savings:
Monthly = RM220
Total Paid = RM39,600
Bal. after 15yrs = RM77,416.11*
% ROI = 48.85%*

*actual balance maybe less due to non-pro rate dividend distribution by ASB.. sape2 yg tau camne ASB distribute dividen utk pelaburan yg kurang 1 thn sile share kat sini..

but then apa yg sy kata tak berbaloi..

W/O loan:
-disiplin tinggi utk simpan tetiap bulan

Loan:
-kene disiplin tinggi jgk utk bayar tetiap bulan
-bezenye kalo x bdisiplin, "kene rotan" ngan "cikgu disiplin" )


so its not worth i think utk return yg lebih kurang same or maybe lebih sket (less than 5k).. but if we are talking bout RM50k diffrence then ok la kot..

 

[Zam Ultra]

X pe PNB pon nak ade INCOME GAK...