you forgot to tell him that there is a annual 5% fee for unit trust , and most of unit trust in malaysia is based on insurance-like schemes.

Even if you put all your money into defensive unit trust, namely bonds which should give u a  return of 5-6% annually, after service fee deduction, you will only end up with 1% or worse lose money in unit trust.
ASW is the best bet, 6.8% compouded interest for 3 years is 20% return.

with other unit trust, -5% every year.. does not seem like a good deal for me

^don't like that la...

anyway, can any sifus here enlighten me whether if asb loan is any better in my case/situation.

i am going to invest 100k in a 10 years++ old asb account(which is entitled for year end bonus) in this end of year, then i plan to take up another 100k loan early next year(january) to maximize the investment limit which is 200k. at the moment i am able to save 10k permonth. so if i can pay back the loan with in a year, is it any better?

why i am considering this is because if i were able to borrow 100k in one go and invest in the 1st month next year, the return will be calculated from the 1st month next year,it will be able to boost the return as much and quick as possible compare to investing 10k every month for a period of a year. so the blr% rate that i am going to be charge by the bank is only calculated for a year.

so if current blr% rate of the year is lower than average asb return, should i consider borrowing money?

sorry if i make it a little bit confusing, thank you very much!

ejleemy,

There is a special loan for buying ASB.

Dreamer