still wondering which is good... asb loan vs ut vs public mutual. .since ma fren from machiam2 pahaman.. but trust /k more..

looks like you are sincere.
so I offer these words to you.

First ask yourself what do you want?
Then work out your financial plan.

Find out what is economic cycle
Find out what is the state of the economy now.

Notice the time frame / period
Choose the position you want to take

Once you are clear with the above,
then research on the tools that can get you there.

(you know how to read book, use internet and library)

last a few days ago....aym oredy go to bank...ask them about asb loan... ask them public mutual...ask them macam2.....so finally....clear about it....i will not take the asb loan although most of bumi taking this...much better i put my money at unit trust and tabung haji...

this is just what i am think about... if u have suggestion, do tell me bro..

already gave you. Up to you to research.

I still think ASB loan is better.

I once like u. Research here and there and later decided that loan asb is not for me.
Only this year i realize that i should have started it earlier.

Don't be like me.

if u start early ..i think ok... but the loan intrest is about 5.15% something for every year...so i think i wont take it...

If u hv the money now better set ur eyes for property .. next yr onward will be buyer market.
Search for shafie bustan at fb , he is lelong sifu.

Org tua2 cakap sebut 40x bodo mmg jd bodo nti bero.
So jaga akhlak bero.. moga berjaya dunia akhirat

For me lasb>ut>fd. Wait for ayam working, max asb and then start target ut, is it good? Anyone want to comment about this?

Before you start, force saving in asb for 1 year. After u accumulate 1 year, at least u prove that you can pay the loan faithfully. Then take loans, after 3 years, terminate.

And please, dont pay with the dividend. Let it accumulate.

How bout i used my cc for ezycash by maybank and use the money received to topup my asb account since asb got compounding interest and ezycash do not.

quick advice. dont take personal loan.
if you cannot afford the 1250 per month ..dont take 200k
you can get maybe 100k ...let it run 1 year and get the dividen to pay for 2nd year.
when your 1st 100k is covered , apply another 100k. and pay the 1st year only.
that mean you have to service around rm 700 for 24 months before you can let the dividen do the work for you.

and dont rush to get ASB2 loan...if your ASB1 is full.. they might offer you ASB 2 loan with lower interest.( since asb2 dividen is lesser )

dont miss the free money. in short you invest 15k to get 200k in 25 year, and only tranfer asb to your bank account once per year.
then you can repeat for ASB2.

dont care ppl say you pay the bank bla bla bla..bank earn your dividen n shit...
think of najib give you BRIM 15k everyyear to pay asb loan.

Ezycash got cash advance fee one time fee of 3.88%

And if u miss one payment the interest will be 18%