<<<Dari contoh simpanan ASB RM 100,000 yang terdiri dari Deposit RM 5,000 manakala RM 95,000 pinjaman bank mengikut kadar BLR + 0.5% (iaitu 6.9% setahun) ==> Bayaran bulanan RM 731 untuk tempoh 20 tahun.
Seperti yang diiklan, dividen akan diberi terus kpd anda.
Contoh: dividen 7% setahun, anda akan dapat RM 7,000 setiap tahun. Boleh dibelanjakan apa saja anda suka dan at the end of 20 years, anda akan terima RM100,000 yang boleh digunakan untuk beli rumah, pendidikan anak dan sebagainya.

Cara A - Gunakan dividen untuk bayar semula pinjaman
Hasil pengiraan saya menggunakan software Optimoney, jika dividen 7% setahun atau RM 7,000 itu dibayar semula kpd bank untuk mengurangkan baki pinjaman anda, loan ASB anda dijangka selesai dalam masa 7 tahun 6 bulan dengan jumlah pembayaran penuh hampir RM 120,827 (termasuk deposit RM5,000 dan dividen RM7,000 yg dibayar semula setiap tahun)
Ini bermakna, anda terpaksa membayar RM 120,000 untuk mendapatkan RM100,000 selepas 7 hingga 8 tahun. Untung atau rugi?
Jika anda labur RM 731 ke dalam ASB setiap bulan selama 8 tahun pun, simpanan anda akan menjadi RM 94,260. Campur deposit RM 5,000 yang disimpan utk 8 tahun juga,future value adalah RM 8,590. Total nilai pelaburan anda = 102,850. Dah lebih 100,000 dah.>>>

You cannot use old blr to compare. For my housing loan offer is BLR - 1.88 = 6.5 - 2.88 = 4.62%
Let assume ASB loan to be 5% ASB RETURN TO be 7% annually. You loan 95 k for 20 years and 5k down payment. That means you got to pay RM 627 Monthly and RM 7524 annually. With ASB annual return of 7% you will got RM 7000.00 dividend. So basically
7524 - 7000 = 524 that means you got to pay RM 524 Annually. For 20 years = RM 10480

So total you pay RM 5000 + RM 10480 = RM 15480 only....

Look at it this way you pay RM 15480 to get RM 100K in 20 years time....and the rm 15480 is not one lump sum which you can pay monthly....How many percent return?? 645% return in 20 years.....

Government is always helping the bumi... just that the bumi don know how to help themselves Pathetic isn't

This post has been edited by darkknight81: Dec 11 2008, 12:57 PM

Using the loan calculator of RHB bank... you can use other bank will be the same. base on 5% interest rates...

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Added on December 12, 2008, 8:08 pmASB dividend has been the highest among all the PNB fund. Normally the past record is 7sen dividend plus 2 sen bonus... so is about 9% ... 7% can consider as the worst case senario already.

This post has been edited by darkknight81: Dec 12 2008, 08:08 PM

Of course ... for those who are greedy and want fast return they won consider ASB at all....What is 7 % per annum ??

They can earn 20% one day by trading stock (that is their mindset)

So its all depend on how you think....

But really if you got few k savings in asb you will not see much return base on 7% annual return unless you keep for long long time.

Been fans of ASW and ASM since 12 now is almost 13 years already ... Every you can reciv dividend which is higher than FD... At least can hedge against inflation

I din say it is the best investmet... The best investment is depends on individual....

But if i am bumi i won play any UT i would rather put my money into ASB. Like currently i am doing my saving in ASW and ASM... Did not invest 1 sen even in any UT.

This post has been edited by darkknight81: Dec 13 2008, 11:34 AM

Yup provided you are bumi

Yup thats y i mentioned before " the government is trying their very best already to help the bumis... but most of the time... the bumis don know how to help themselves "

What do you expect again....? almost minimal capital to make an almost guaranteed return on investment.....
We chinese got to take so much risk on busines and investment...

Sound harsh but is real fact .....

This post has been edited by darkknight81: Dec 16 2008, 09:25 PM

Use your logic brother....IF YOU GOT 100K to invest yes you got to consider the inflation.....

But for ASB LOAN... you basically don need any capital ok.....use the dividend to pay the loan.. and you end up own 100k....

For my housing loan offer is BLR - 1.88 = 6.5 - 2.88 = 4.62%
Let assume ASB loan to be 5% ASB RETURN TO be 7% annually. You loan 95 k for 20 years and 5k down payment. That means you got to pay RM 627 Monthly and RM 7524 annually. With ASB annual return of 7% you will got RM 7000.00 dividend. So basically
7524 - 7000 = 524 that means you got to pay RM 524 Annually. For 20 years = RM 10480

So total you pay RM 5000 + RM 10480 = RM 15480 only....

Look at it this way you pay RM 15480 to get RM 100K in 20 years time....and the rm 15480 is not one lump sum which you can pay monthly....How many percent return?? 645% return in 20 years.....