Cara Pantas Kumpul 90 Ribu.
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Saya Anas CK nak berkongsi idea kepada friendlist saya tentang kelebihan asb financing dalam jangka masa pendek. "Short-term investment" dengan ansuran bulanan yang rendah. Kerana saya tahu ramai yang rasa berat jika menyimpan sebanyak 1k sebulan.
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Jadi, untuk memastikan duit kita tidak ada kebocoran tanpa kita sedar, Seharusnya kita pantau kewangan kita supaya terjamin dan stabil.
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Jangan salahkan pelaburan sekiranya anda sendiri tidak dapat menyimpan dengan baik.
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Saya tunjukkan cara bagaimana meraih keuntungan dalam masa yang singkat.
Kerana saya tahu jenis saya tak suka untung lambat-lambat nih. Saya tak suka menunggu sehingga bertahun-tahun.

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Jadi petang ni, Anas CK nak kongsikan teknik ASB financing yang boleh digunakan untuk anak muda yang baru bekerja, pasangan yang baru berkahwin, dan yang baru nak mula menyimpan.
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Ali dan Muna memohon asb financing sebanyak rm100k. Ansuran bulanan sebanyak rm525 seorang. Interest rate sebanyak 4.8% dan tempoh selama 30 tahun dan tamat sijil pada tahun ke-5.(gameplan).

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Selepas 5 tahun, Ali terminate sijil di cimb dan mendapat keuntungan sebanyak RM 47k(Ali).
Jika Ali bergabung bersama isterinya Muna, maka rm47000 + rm47000 = rm94,000++.

Note:
1. Bagi yang berkemampuan mampu menyimpan rm 525 selama 5tahun.
2. teknik ini ialah teknik compounding.
3. Dividend ialah 6.75%

Faham ke?

Anas CK
CIMB Wealth Advisor

https://www.facebook.com/photo.php?fbid=169...&type=3&theater

This post has been edited by croydon: Aug 18 2017, 08:12 PM

cantiknye tulisan

Menganjing ke ikhlas 😒

Money game la cepat...

faster show crypto coin game plan 100k become 10mil in 1year.

ASBF zero interest? I don't know how it is but who the hell give interest free loan?

Pm best price please......

Eh...wait..

5 years isn't exactly "pantas"....

Can someone explain what's surrender value?

Gameover in 1 year sebab dah beranak 1.

yang 525 hengget dah bayar for 5 years tu tak tolak ke?

u are which username previously? why kena report ah?

CIMB ingin memberi ribuan terima kasih untuk 4.8 persen....

Nah .... Bank kasi awak makan 1.9 parsen

Err.. so hows the monthly payment? Doesn't count?

and apa hal la pulak ROI kali 2?

saw the pic and read the description as below
1.
and it can't RM100k per person as
2.
is for 100k.


from that, to my understanding A+B=rm100k , not A=100k and B=100k. Hence

is invalid.

need other to rectify either i wrongly read or what.

max is anas?

wah then 2013 to 2017 is using what?

The loan duration is for 30 years but he ends it earlier [5 years]. So, he needs to surrender the rm91k as he terminates the loan earlier.

Itu kena tanya sifu wootz

Ayam very far from that level

I think in the future(>5years) u ada 1 btc or even 0.1btc sudah millionaire 😅

good catch, you right its only 48k

Huh? 😲

sifu sifu

not 48k, less.
need to deduct the total monthly payment he already paid for 5 years
so ROI is lower than that

This post has been edited by pr0pofol: Aug 18 2017, 08:30 PM

>mohon share ya akhi
Nearlee

my fren from maybank already show this "makan equity" after cancel..

but his calculation was 200k loan..with 14k-15k lum sum cash..after 5 years only got 38k-40k something.. i studied and understand the calculation..it is correct..

dunno how the hell this one got 38k with 100k loan...

Kalau simpan sendiri rm525/month for 5 years, compounded yearly 6.75% dapat rm37355, and bank tak dapat sesen pon duit kau

meanwhile..
RM 525 x 12 x 5 = RM 31500 x 2 = RM 63000
Nak letak mana?
The reality, you are making less than you think...

very nice handwriting

nope, how about the 525 x 60months=31,500 he also paid? so when he surrender back, he lost rm91k+31.5k..lol

This

if early settle the loan what is the condition? is the interest factored in like car loan? if that's the case even worse

ok friday evening here, time to blah awai and go to biergarten

Pffftt /K standard sebulan rm 20k
No need wait 5 tahun

can, but my simple calc is ,
525*2*12*5=63k

where
525=monthly payment
2=anis and muna
12= months
5=years

it just simple calc. need more details from others. Yes, i do asb, but no compounding path and can't keep long that dividen i got. But still pays every month from my pocket.

ansuran bulanan is 525 for both.. not each 525
so it's 525 x 12 months x 5 years
= 31.5k

minus from 41k he gets... profit only around 15k

if he just invest 525 every month for 5 years, the compounding value is more than double

This post has been edited by pr0pofol: Aug 18 2017, 08:41 PM

HAHAHAHA WRONG

5 year only 90k? try hard

ok wat, at least ur money compounding in there. if u save ur self, bank only give few div. like 2-3%
ASBF method can get high compouding value.

same some1 saying "Compounding Interest is the 8th Wonder of the World"

fren showed me this 2 years ago.. still keep it..

this case for 200k loan.. 14k cash in hand lum sum and dividen never below 5%





This post has been edited by xen0: Aug 18 2017, 08:50 PM

well... the reality is you are not making that much, due to a lot of it going to interest...
This is why you dont borrow money to make money if the amount is small..
lain laa if you can get RM 48 billion or RM 2.6 billion ... then you will see the compounding effect..

The whole point of ASBF, is to leave the money for 30 years, so it will become triple in value if they can get the required return...

paling power.. ambank gv rate 4.75 for asbf 100k++

Anothe ASBF topic. Boring.

But nice handwriting woh!

no need to deduct

this is like saying Mr A saves RM1000 every month until 1 year, then his total savings now is RM12000. But hey yang 1000 hengget bulan2 dah 'bayar ke akaun saving' tu tak tolak ke? Net net become zero lelz

You see that???

The only thing that matters is what is the amount you have @ end of the period

effective rate 4.8% tu bang....cimb tengah bikin promo

klu ini macam

48k minus 525x60month

balance 16500. bahagi 60..

they only saving 275 per month..instant free money for CIMB

korek me im wrong

but, from description in 1st post, i quote

and

so 525 is A=525, B=525 for RM100.

There is catch don't want tell lol

surrender ur dividen to pay bank interest..hell no

In the monthly instalment, you are paying two things which is interest and principal.

U dont pay using divident

Agreed, the point of this whole thing is the 'forced' savings for 30 years. Keep paying RM1150 per month for 30 years, and by the end of it, that account value could amount to RM1.6-1.8mil.

At RM1.6mil, a 7% dividend gives you RM112k, or RM9333 per month. You can live off RM9333 per month indefinitely without touching the principal at all.

Good retirement money/plan i'd say.

ni sebab monthly payment lagi kurang?

dividen tu nk use as leverage to 1 year payment every year until 5th year..

kalo nk sdap mkn dividen je..tahun lpas tu kena commit byar bulan2 laa..baik takyah buat loan..

based on the advice..first year pay full..next year..dividen in..topup a bit to cover entire year punya loan repayment..means monthly la..so sama concept la bro..korek? or ayam salah?

ayam no asb loan..bulan2 200 dalam masuk taruh ada juga..

this +1. no loan for investment.

Depends if rolling divident to pay for your monthly instalment

or

you just pay using own pocket money every year and dont disturb the dividen at all.

yes. there is no compounding in effect, but if u can suffer 5 years serve the loan with yr main salaries (state in pic : 1193*12, thn per1 shj) u got compounding. but 5 years no nothing, no new cars/big bike, no grand married/married, can't go dating. IT RM1193/month for 5 years.

surrender value tu kira macam mana guys?

ini lain bang

this method no 2

use first year divident to pay 2nd year principal lump sump

lets say 1st year dividend u get rm10k and total u pay for 12 months = rm11k

then just use dividend rm10k + pocket money rm1k (total rm11k) as payment for 2nd year

sebab tu dapat sikit

Non Bumi can meh? Or kena potong dulu?

This. You loan you pay interest vs compounding with your own simpanan from your gaji.

Money doesn't fall free from sky if you took a loan in the first place. This nasihat give Anas CK $ commission from your loan already.

I thought BNM already ban this type of loan.

Previously can give loans that only service interest for first 5 years.

As result too much speculation and BNM disallowed.

But the table above is wrong cos does not take on to consideration the loan servicing

Sounds good, doesnt work

Kenapa tak trus masuk duit dalam asb sahaja? (Insteadof ambik loan?)

Ban what?

This loan is there for quite some time already.

u don't get the money. that money parks on asb. the *maturity is 5 years as so many done that. are u sure of it.?

not maturity. it cool-down period when u can cancel the loan.

This post has been edited by buraqdunia: Aug 18 2017, 09:23 PM

for compounding effect at early state. u may hear some1 go max their asb with loan.

Complete BS

After 5 yrs wanna surrender?

this is my calculation. for both return with ASBF and without ASBF.

assumption:

effective rate: 4.8%
return rate: 6.75%
Calculation started from 1st Jan 2017



for surrender value for with ASB Loan calculation; I subtracted initial loan amount 100k with balance amount to pay at first month after 5th year - from this amortization table



conclusion :

with ASB loan u can get 8,500 MYR more than without taking ASB Loan..

This post has been edited by vanpersie91: Aug 18 2017, 09:42 PM

Use the money to pay back installment as direct saving in asb la, that's more profitabl in long run.

90k is not alot in 5 years.

you should be basing your savings on your age.

Actually pejam celik pejam celik suddenly 5 years will pass quickly too.

my point is
saving ur self vs using ASBF as 'force saving' with high compounding effect.

of cos got interest if u loan, but then not u the 1 paying the loan. is the dividen. use OPM is better way to gain more money,

yes, the amount is small. but u can get more than that 200K(ASB) + 200K(ASB2), plus if u using proxy.

its up to u, its just recommended minimum take profit point of exit.

Why all asb finance plan i see by these so called masters mesti end the loan after 5 years? Rugi ke kalau simpan lama2?

90k yeah right ,never subtract your monthly installment, 500 ++per month x 5 years. Never calculate if the interest rate hike ,you need to pay more.opportunity lost since this will count toward your ccris.Typical loan office calculate dividend je.

But always better than FD ,the best is take 200k max

bitcoin faster

Rugi because you will end up pay more in interest, the best is to take max 200k and terminate after 5 years, terminate early better if you don't have lock in period

take this loan will weaken your ability to take other loan/house loan etc right? DSR affected

for this effective rate I oredi checked with CIMB fella..they said it is 3.9 + 0.9.

3.9 is BR.

and he also told that BR jarang naik turun sesuka hati compared to BLR. is it true?

for certain bank, yes.

But in this case if u take asb financing and wanted to apply loan with same bank, some ppl tell me will even get better chance to get ur loan approved. e.g cimb, maybank.

Yes, BTW you should treat this as force saving not getting rich scheme.And not all people qualified to take 200k max, but that is the best amount to profit.For 200k you'll be getting 14 k dividend per year (+compounded interest).

But Ali and Mona forget one thing

Assuming by name, both should be Muslim and both require to pay zakat..

Thanks

potong required?

Money game... Bloating the value of currency.... Is there real economic justification of 6.75% payouts? All these to fund bumi sme / startups? Any1 could share the investment portfolio performance of asb fund?

duh boleh aje pegi gugel "asb" and find their portfolio details at asb website...

Took a loan for saving. Really topkek

End of the day, the individual has to weigh the risk of loan default against the reward of having RM8500 more after five years.

For some, it's the fact that one "has" to pay the loan that provides them the discipline to save. Otherwise, these individuals may just spend it because for a loan, you have to pay, but for savings it's the individual's own choice.

So take the RM8500 as a reward for being "forced" to save.

For others who are more disciplined, they might prefer the flexibility of not having a loan.