Investing In Amanah Saham via Personal Loan, should you or should you not?
various scenarios explained.....may not be agreeable to some....

http://invest-made-easy.blogspot.com/2013/...a-personal.html

based on this amount "total payment is only 387k (include interest)"...how much does one actually need to pay in cash (money from direct from pockets) and for how many months need to pay?

no apologies needed,...I think many readers would be able to judge to content and points presented to know which is more reliable and more fact based......then they should be able to differentiate between those posts.

anyway,,....I think most would have forgotten what the contents are after sometimes...

maybe this can be higher than 27%?

few years ago, I read in this forum....
if I can remember correctly....it is something like....
for ASNB loan.....one just need to have enough cash on hand for repayment for just over 1 year....then use the dividends to auto pay the interest after that...

end of the period get back a lot more than the initial cash in hand....

what is the estimated ROI % for this type of investment?

interesting....
didn't the bank "helps" you to gain the buta buta a portion of the dividend?
(PNB gives you 6%, you gives bank 5% you buta buta gets 1%) not like that??

Yes, go read the comment for those new readers that wanted to see if he is telling the truth or are logically correct about

"I'm not the one slinging insults at people."
....should start to read from post 4622, page 232

"All because they cannot accept my view that saving MANUALLY is the best way."
.....should also read from that posts and all other following postings to see how he "proved" his arguement that for ASB doing manually saving is best way and

read from that post too to see,
how he started by saying "Don't mislead people. You cannot compare like that. If you want to compare, then use what happen when people do own saving into asb vs taking loan. Where's your 27% return then?
then see how his follow up responses are when others asked him repeatedly for his mathematical proof for saying "Pretty sure it's higher than 27%"

then see post 4669 where he advises.... "Just advising others that saving every month is much better than taking loan. You buta2 give profit to bank instead of taking all 6% dividend by yourself"

then when questioned further as in post 4670 about his "advise" in post 4669,.......(you readers will have to seek out his responses (If only it can be found))

it is a nice as one forummer posted......."it’s been comical"

read those above and then determine if the below comment are to be your final comment too

after that, readers are to determine for themselves if the conclusion as below is correct and justified?

This post has been edited by yklooi: Apr 5 2019, 01:48 AM

the potential of better performance is about 1.0% more I guess

I belief those that never gives up is due to having "enjoyed" the much better than FD rates for so long.....
I belief those that grumbled at the lower than last few years returns, should appreciate and to compare it still (abt normal % of) positive return despite the global stock equities performance in 2018
I belief to look for the sign of changing of time is by looking at the LYN ASNB FP threads......if there are forummers stopped doing the CAPTCHA to try to get lucky...that is the time

since you are here....
I got a question of interest to my knowledge....
read it in another thread....
"if you have a 200k loan in ASB fund you cannot invest in ASB 2 fund (either thru loan or even with cash)?"

from Personal Financial Management V3, It's all about managing your $$$
https://forum.lowyat.net/topic/3004579/+1980#entry95387717

Hi, Reonix91,...do take note of below ...for your alternative considerations

thanks for clearing my doubt.....

from here, is it about using OD from the house as collateral and put into ASB?
i never used OD before...just wondering will the interest from the OD be higher than the returns from ASB?
another question will this OD interest rate charged be higher than then direct ASB loan interest rate?

This post has been edited by yklooi: Apr 16 2020, 10:10 AM

So your record statement that you told about asb not sustainable 'means",
no dividend for next year or
dividend rate will be lower than FD rate for next year or
Dividend rate will be lower than the loan financing rate or
What?

so it is all about "Asbf vs manual asb saving"

how does it related to the below post where you mentioned "asbf is not sustainable in this current economy. Laughing so hard now at those who keep their loans or taking new loans instead of doing manual asb saving"

you are saying you are "Laughing so hard now at those who keep their loans or taking new loans instead of doing manual asb saving"
I am curious,...if the current economy is so hard for those that keep their loans or taking new loans, those that do manual asb saving are not affected by the current economy?"

ok, noted,...

in that case,...that "record i told you all already" of your...just tak faham lah...

Do you need to pay any other fees like stamp duties, admn fees, agreement fees, etc etc, for the financing??

i think the loan rate increases is beyond the control of banks......i think it is BNM that set the opr rate
the dividend rate is determined by the fund itself.....
thus not related.

would you mind trying to recall if those instances of bank loan interest rate higher than ASB dividend are also affected the ASB loan interest rate?
how many months are they affected?

i recalled having paid housing loan of that high interest rate for just a few months during the AFC ......very fast it goes up and very fast it goes down too.

This post has been edited by yklooi: Jul 10 2020, 08:22 AM

Knowledge seeking n exploring

why am i here?....does not need to take ASB loan cannot be here,...pls share why ?...sharing is caring..lol

use the toilet can?

anyway, see post 6522

This post has been edited by yklooi: Jul 12 2020, 10:45 PM

yes, as long as there are things of interest to be explored....

when one stop to be curious it could be a sign of getting senile