Dear all,

Good day to all, grateful to come across this thread, and I am committed to learn from all of you with regards to personal finance management.

The first topic/question that comes to my mind as followings:
Understanding that it is highly advisable to pay more in the monthly housing loan repayment, in order to shorten the loan tenure and reduce the interests over time, for example if the monthly installment is RM2,000, it helps a great deal by paying RM2,500 or higher (given that the loan is a flexi-loan).

However, on the other hand, should we be paying RM500 more to reduce the loan amounts, or invest the RM500 somewhere else?

I understand that the rule of thumb is to calculate the potential gains/cost-savings by weighing the options, and go for the option that provide the higher yield, the question here is more towards what are the other options that we will have other than paying more to reduce the loan on a monthly basis.

Thank you in advance for the advice, grateful for that.