some people dont like to have debt. but some also think good debt is not a bad thing at all...

the best if to calculate both scenario. then you'd be making a choice backed by fact rather than by emotion

my 2 cents

what are the terms of your car loan? can you pay now and if so, will it help you save on interest?

if you plan to use in march, then fixed deposit is good. no point going for asb as its a fixed price investment

or better still, clear your credit card debt. that is one of the best investment you can make

my 2 cents

yes, it should work the same. second year dividend (example 6%) will be given based on your 'new' capital: RM10650

for fixed price funds, you dont make any gains from unit price movement (since there is no movement)

the bold part, should be careful

i'm not writing another post to slate PNB funds, but just sharing my opinion

common perception of risk is to lose money after a period of investment

but many dont realize you can lose money the moment you decide on investing

FD is the best example...

when you put money in FD, you get the comfort of getting 3% return after a period of time. most people are comfortable with that. simply put, to them, they earn 3%. simple

one can look at it from another angle - you dont make 3%, you actually straight away lose 8%, 10% or 20% - depend on which investment vehicle you compare it to. i personally would modestly look at it as a straight away lost of 7% because i compare it with a moderate risk dividend paying fund

to me FD is the worst kind of INVESTMENT

as for PNB funds, some like it, some dont.

for those who are either dont know, ignorant or simply stupid. when are you going to wake up and take control of your $?

how to save PNB? no overnight miracle. it will take years of smart investing for PNB to repair itself...