QUOTE(wild_card_my @ Jun 12 2019, 10:56 AM)
May I suggest maximizing your ASB1 with a financing, and switch the cash-funds to ASB2? Reason being that historically ASB1 has been giving higher returns (in the form of distributions) than ASB2.
QUOTE(voncrane @ Jun 14 2019, 08:53 PM)
Kudos on diligently saving own cash.. IMO, since there's no ASBF presently for ASB2. Take advantage of lower interest rate for ASB1 loan. Sign up for max 200k.. Little to no Takaful (this part up to you la) and the transfer your cash savings to ASB2 instead.. You earn from both. I wouldn't roll the dividend, cuz frankly it can't cover it... Yet. Just keep paying out of own pocket and worst case, when need emergency money, can go withdraw some own money from ASB2. Use to settle things and or pay for the ASB1 monthly Installment. Can replace later if units available.
Also.. What Wild Card posted.
I see. Makes sense to maximise my ASB1 with loan. Thank you both for your inputs. Also.. What Wild Card posted.