Sorry /k/ I cannot sleep now, suddenly pop in my head mau kira2 dividen from ASB vs TH


Assuming one has RM100k to put in either one for low risk investment, and no topups each month for one complete year (to make calculation easier).



For Tabung Haji, based on 2021 dividen of 3.1%

Rm100k x 3.1%
= RM3100

Total = RM 103,100


For ASB 2022, based on the recently announced dividen of 4.6% + 0.5%(first 30k units)

RM30k x 5.1%
= RM1530

Rm70k x 4.6%
= RM3220

RM1530+RM3220 = RM4750

Total = RM104750

After 2.5% zakat deduction

Grand Total = RM102131.25

For ASB 2021, much more straight forward 5%

RM30k x 5%
Total= RM 105000

Deduct zakat 2.5$
Grand Total = RM 102,375

The difference between ASB and Tabung Haji is RM968.75(2022) or RM725 (2021). Again, For 2022 Tabung Haji Dividen, will only know by March 2023 so by that time gonna calculate again hence why using last year data.


So is my calculation correct, that it is better to save in TH rather than ASB?

This post has been edited by Boy96: Dec 23 2022, 07:27 AM

Based on my newbie experiences, it's good if you have the money (e.g 100k saving). Else, ASB financing is better.

I choose TH

All in buttcoins

my 2 cents, ASB is better if you're paying income tax as you can get tax rebate for zakat.

Top up a bit and do business open chatime kiosk

best investment with risk

It's basic maths isn't it

My current income not eligible to pay income tax. So for me better to move my money to TH?

What? But u have 100k in asb.. why not eligible?

I said "assume" only for easier calculation.

Masalah orang Kaya...

1 year net gain is 0.5% ish percentum

If topup banyak do business open ev charging station ok tak, modal lagi tinggi dari petrol stesen?

Pergh

How muchie?

Now imagine the compounded money inside for someone who have invested 250K for 30 years... wow!!!

if belum sampai haul, asb.
if sudah sampai haul, tapi rajin urus zakat sendiri, asb. (tax payer can claim pcb 100% from zakat)
if malas let th settle all. simpan at th.

This post has been edited by soulz69: Dec 23 2022, 07:38 AM

Open EV charging need berapa modal?

You got lobang can share?

You got 100k, you care about 3k chicken feet?

Eh i am the one asking la need berapa and jf u all ada lobang x

Aiyaa, i tot you ade lobang

I manade lobang i batang

This post has been edited by JoeK: Dec 23 2022, 08:11 AM