From my point of view, for those who invest their money in ASB via bank loan, the key word is "Leverage". Even in property investment, the key word in leverage. This leverage can be either positive or negative (for some it is called double edge sword; it can be good, or in can be bad) In the case of ASB loan, it would be ASB dividend vs. Loan interest.

Latest bank rate from RHB islamic is IBR - 1.55% = 5.05%

Latest ASB dividend for 2011 is 8.8%

Based on table given by RHB, if your loan say 100k for 25 years, yearly installment that u need to put is RM7,056.

By having cash RM7,056, and park the money in RHB account, make a standing order to auto deduct either monthly/yearly, the 2nd year of loan payment to the bank is covered by the dividend declared by ASB. If the account is in positive manner yearly (ASB dividend vs. RHB loan), in 25 years after maturity, u can enjoy that amount of money without having to inject additional money from your own pocket monthly during the 25 years of loan service.

As for me and it is up to individual which model of investment you would want to go. Either opting 100% loan, or 100% of monthly saving. However, if the keyword you are using is leverage, I opt for 100% loan. However, what I had done is, I called it "a double joy investment". Since max ASB you can invest is limited up to RM200k/individual name, make loan of certain amount from the bank, and make monthly saving as well, which is subject to your own comfortable saving amount. The higher saving amount you are willing to commit, the less ASB bank loan should be. Having the model in place, u could enjoy xtra $$$ as compared to 100% loan. I've done this during my "bujang" time, however after married, due to other commitments , I've drawn out all 200k from my previous saving in ASB and opt of another round of ASB saving via 100% loan.

My 2nd cent opinion.