BUT if you take ASB loan,let say if you take RM200K,they will calculate your dividen based on the RM200K..so you will get a lot man....yes,for those fresh loan,at first you will feels suffer a bit,but after 1 year of paying,you can already relax a bit,i mean you can use the dividen that you get to pay your monthly installments...after that,you can still earn a lot.....

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Very interesting forum....

I dont understand why you said taking ASB loan is worth? ASB loan interest rate is based on BLR right? So if let say current BLR is 6.75% and ASB dividen average per year is 8.5%..does it means you only get 1.75% for profit (8.5%-6.75%)? And if true than the ASB loan borrower do not maximize their investment profit and to make it worst..the profit margin is lower than FD!

From what I understand, eventhough we invest by saving every month to ASB account..but in the end of the year still we own 100% of the dividen & bonus without sharing with bankers. ASB dividen is calculated by monthly basis and from my study..I discovered that in the long run let say 10 years, those who save and never take a loan will always outperform to those who takes ASB loan within same period.

Most of the investment gurus like warren buffett, robert kiyosaki, peter lynch & etc advise us never borrow money to invest. How come we make money but at the same times need to pay interests to bankers?

Correct me if I'm wrong coz I just beginner in investment world and still learning.
Cheers!