If 4% I'll let go, my mortgage loan interest close to 5%

Next year 4%, but next next year 7%. Let go already took long time to subscribe again, or like ASM, can't subscribe again.

If u leave asnb , those money u want put where ??
We have no better option .

Yawoh , even next year asx happen 4% doesn't mean forever 4% .
As long as principal no kacau , is ok for me .
.

Boss , u mau off topic tak ? Lolz .

ASM2 and ASM3

For me, mortgage loan la uncle

This post has been edited by saitong09: Dec 1 2018, 04:25 PM

Oh , u mean all money from asx move to settle mortgage loan ar ??

Credit card loan ar ?

Not settle la, fully flexi loan ma. So when Asx recovered, move it back to Asx

Betul jugak...forgot abt bumi investor who took ASB loan..

ASM used to be can top up anytime like ASM2 and ASM3...
Even ASB2 can be suspended...
that time when you want to come back...

Icic .
house loan about 4.4% , asx 6% .
Not bad Still have 1.6% earn .
*I'm not sure this calculation correct or not.

Asb loan about 4% only , bumi investors 99.99% earn money . So good .

Wife 200k , husband 200k. Asb 7% ,After deduct 4% asb loan ,a year enjoy 12k . Profitable



This post has been edited by DBHILUHDAQWISRTNJ: Dec 1 2018, 05:10 PM

Current option 👇 for low risk
- ASNB Bumi 7%
- ASNB Malaysian 6%
- EPF 5-7%
- Mortgage 4-5%
- SSPN 3-4%
- FD 3.0-4.5%
- CASA 1.5%

So we just need to play around with above options...some may have withdrawal limitation eg EPF, SSPN...but some may have tax relief benefits eg EPF, SSPN, PRS...so pandai2 kira and find the best fit with your lifestyle..

Uncle, in paper you are right. In reality house loan is very complicated, too much hidden fees, cannot calculate by plain paper.
If asnb is always higher than house loan, then all people would refinance their house to buy asnb, and settle house loan at once if asnb goes lower than house loan.
Reality is much more complicated than theory.

12k per year...monthly masuk 1,000...wow syok2..

CASA can be 4.1%.
The only risk for above.. is currency risk, everything in ringgit...

I only know compounding of asx 6% , keep 12years 100k become 200k.
Keep 19years 100k become 300k.

But house loan I tak tau. Perhaps saitong can explain for us ,how much can kutip between house loan vs asx 6%.

This post has been edited by DBHILUHDAQWISRTNJ: Dec 1 2018, 05:20 PM

Upfront cost for remortgage easily 3-5%...uncertainty on gap in future...if gap negative before lock in period..then kena early settlement penalty if u want to close mortgage..

Yes very complicated...last year I thought of remortgage and invest in ASNB...but calculate after calculate, finally i abort the plan

CASA can be as low as 0.3%

Woah u guys...
Really respect yo..
Saturday also very active talking about ASx funds...
Hey transaction only start on Sunday leh 🙏

Today, 1 day get some rest.. Spend time with family... Don't always think about $$$ only 👍

like your idea, bro, 25% goes to higher risk investment.

This post has been edited by fairylord: Dec 1 2018, 08:59 PM