My current objective is working towards having at least RM20K/month from my investment portfolio. Combination of property(rental income), ASNB (combination of loan and cash), Tabung Haji.

I'm saving more than 50% of my salary. Planning to pay off housing loans as soon as possible. Targeting to achieve this in 8-9 years so that I can spend more time with family, and giving back to community.

Besides rental income, need to ensure the market price for the houses are giving same or more income (dividend) if I sold it off later and put it in the ASNB or Tabung Haji.

EPF just the bonus for me as my last contribution was on 2013. Also plus company saving scheme and company shares.

If the monthly commitment rm1700;
And the rental rm1700/month ---will pay the loan
I will also pay at least the same amount on that month.

The rest of my income/saving will go to asnb/tabung haji.

Any cash incentive or shares that lapsed will also dump to pay off the housing loans..

Consistency and discipline. Hopefully I'm strong enough.

P/s: The timeline is based on current employment which My expenses are mostly covered by company.

This post has been edited by meonkutu11: Jun 24 2016, 06:48 PM