With this loan i can earn more as i will received dividend + principal.

I do this to diversify my investment portfolio.

The above strategy is mine. You can follow if u want. There are many other strategy you can follow as long as you can reach your objective.

How to get 20% with asb financing
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Let say u apply 100k of loan
30 years
Monthly 550
Yearly 6600
Dividen 6.5%

After 1 year terminate

Then the calculation as below

Dividend = 6500
Principal surrender value = 1423
Total = 7923

Nett profit
7923 - 6600 = 1323

Roi
1323/6600 x 100 = 20.04%✅

For both comments this is because you dunno how compounding works and why need to max out OPM. ASBF if u terminate below than 10 years, the compounding is not big. Thats why u see only little profit.

Take this as an example ASBF VS ASB Saving

200k loan
1100/month
No takaful
Terminate 3 years and terminate after 10 years. Dividend based on 7%.

ASBF
3 years
Pricipal surrender value = 9001
Dividend compounding = 45,008
Total = 54,009
Annualised return = 12.12%

ASB Saving
3 years
Total = 44,029 (difference 9980)
Annualized return = 3.72%

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-
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ASBF
10 years
Principal surrender value = 36,344
Dividend compounding = 193,430
Total = 229,774
Annualized return = 7.4%

ASB Saving
10 years
Total = 189,220 (difference 40,554)
Annualized return = 4.33%

Please tell me, according to the calculation above which one will give u more? ASBF or ASB saving?

And now how bout if you keep your ASBF for 30 years how much you will earn

ASBF
30 years
Principal = 200,000
Dividend compounding = 1,322,451
Total = 1,522,451
Annualized return = 9.48%

ASB Saving
30 years
Total = 1,293,671 (difference 228,780)
Annualized return = 7.55%

Conclusion, compounding and max out OPM will give you more profit after all. ASB Saving is good but u can earn more with ASBF. Thats the fact you cant change. As long as the given dividend is relevant ASBF is the best tool to use.
This question total profit/loss figure still not clear yet due to no detail statement given (hidden charges) - There is no hidden charges in ASBF. The only extra payment you make is the processing fee (RM63). Thats all.

The only risk with ASBF is if the BLR or BR increase. If this happen it will increase your original installments and make your profit become lesser. However if this happen you can either stay or terminate your ASBF and enjoy what you earn so far. Pretty easy right.