for me...if taking 100k for 20 years payment asb loan, based on repayment table MAYBANK it rm602 per month....
total for yearly payment 602x12=7224
If dividend as of 2009=7.3%...so 100000x7.3%=7300
u only have to save money to pay for the 1st year period... for 2nd till 20 years onli using the dividend to paid the installment...
no need to save money after 1st initial year u earning the dividend....n let it be for next 20 years ull earn 100k for only paid 7224+other fee...
if u have extra money always can top-up money to grow ur investment....