Excel worksheets & visualization for Standard Mortgage VS Flexi Mortgage - if all else being equal

Since an old friend of mine poked me on this and she couldn't visualize it until we went DAY BY DAY interest accumulation in the mortgage account - i created these worksheets, thus thought it would also be useful for fellow forumers to use.

Note - the worksheet protection is for newbies only
If U are an Excel wielder & want to change the Flexi or Normal rate higher/lower and other stuff, just unprotect the relevant worksheet - NO PASSWORD

A. The Excel
er.. boss, the Excel sheet i shared is for people:
1. who knows about traditional VS flexi mortgage
2. wants to have concrete numbers to know pros/cons in quantifiable terms

thus, for your case - i don't think that Excel is for U
B. Clearing your housing loan with extra savings/parking $.
1. If U are totally risk adverse - stick with FD
Perhaps have at least 6 months to 12 months of emergency funds stashed in FD
Then the rest just knockdown your mortgage's capital (ie make sure your financier knows those extra payment are for capital repayment).
NOTE - best to check your contract / with your financier if there are any specific processes / extra costs involved - some can be really convoluted.

2. If U are an investor, after building your emergency funds, do your asset allocations & plan out your investments & execute, track, adjust - simple, not easy

heheh - serious ka?
U are totally risk adverse AND U have a GIA (gold investment account)? 
to me, that is risky - straight away lose 4% and HOPE gold prices go up + gold a/c doesn't generate any dividends/rental + can't be used like a house/land

different stroke for different folks i guess - even categorizing "risky"

if i was totally risk adverse (vs current risk managed), yup FD lor
AND
max FD in 1 bank <=$250K due to PIDM insurance coverage
http://www.pidm.gov.my/For-Public/About-De...urance/Coverage
eg
if i have $550K & no morgage, i'd put:
a. 200K in MBB FD
b. 200K in PB FD
c. 150K in OCBC FD

even if multiple accounts in same bank entity, coverage is only up to $250K

There is. EPF and amanah saham fixed price. EPF cannot touch the money. Amanah saham need to camp at bank, try luck. Sometimes empty handed. So the choice is yours.
Epic sentence.

Amanah saham gemilang can get worse result than FD. I am not talking about that. Therr are better options available on FSM which can outperform ASG. You want >4% right? Only the following amanah saham sure will give you >4% without fail every year: ASM, ASW2020, AS1M

ASG is a pure UT. Dividend does not matter in UT. Like I said there are better option than ASG at FSM. Now, if you are talking about the fixed price fund, dividend is important.
You don't need to be a bumi to buy the 3 fund I mention ASW2020, ASM, AS1M. I can assure you that those 3 funds give better returns than any FD. I am not a bumi too.

Got. FX United and JJ. 

while waiting for responses, you may try read this...
Retirement Planning: Calculate How Much You Need in 5 Simple Steps
https://www.imoney.my/articles/retirement-planning

or more in google
https://www.google.com/?gws_rd=ssl#q=how+mu...ire+in+malaysia

while waiting for responses, you may try read this...
Retirement Planning: Calculate How Much You Need in 5 Simple Steps
https://www.imoney.my/articles/retirement-planning

or more in google
https://www.google.com/?gws_rd=ssl#q=how+mu...ire+in+malaysia

Thnx. Cos I calculate I will have roughly 1 mil when retire not sure if enough and what is equivalent to today value