Comments on: ASB – Take a loan to Invest?

By: hero

hero — Wed, 30 Nov 2011 04:40:00 +0000

wondering how much did you invest that made you a millionaire today? really appreciate it if you can share with us.

By: Wan

Wan — Tue, 11 Oct 2011 04:47:00 +0000

i do my investment since the first asb financing introduced in 2001. the only branch offer that facility is maybank jln gombak and followed by tmn sri gombak. then few year later, most maybank offer the same facility but in higher BLR.. based on my experience, most calculation i found in the internet is calculated in wrongly method. & if u want to maximise the profit, u can combine with investment in asn & public mutual-islamic fund. but plz understand the NAB/NAV first before investing in those 2. I wish all of u good luck. Coz asb financing i made 10years ago already made me a millionaire today. at age of 30, i dont need to work if i want to. (but always remember about zakat & lhdn kayy.. the richer we become, dont forget to pay our zakat).

By: musykil

musykil — Thu, 21 Apr 2011 10:03:00 +0000

Most of us r talking about profit, profit ,profit. How abt the syariah compliant status?

By: tebonin

tebonin — Sat, 20 Nov 2010 03:01:25 +0000

TY a ton for posting, it was very informative and told me tons

By: Linapatrick

Linapatrick — Mon, 01 Nov 2010 07:11:00 +0000

Encik Irwan, Saya puan melda, saya ingin tahu bagaimana saya ingin tahun keuntungan saya pada ujung tahun. saya memiliki loan investment melalui MSAM 2010. Contoh yang saya loan dlm RM50k selama 15 tahun. Berapakah keuntungannya di situ?

By: Amsran

Amsran — Sun, 31 Oct 2010 03:33:00 +0000

Tak yah pikir panjang…dah jelas asb loan lebih baik drp simpan sendiri…malah ada artikel yg kata dgn asb loan boleh dapat return 30%…tapi kena pilih pakej yg betul…

artikel ni kata easy-asb yg paling best…boleh dapat dividen return 30%…
baca post tu memang senang paham…terus tak sabar nak apply easy asb…
http://easy-asb.blogspot.com/2010/10/pulangan-easy-asb-loan-30.html

lumayan tu…idea dia tu memang best la…

By: Mr_masyukkk

Mr_masyukkk — Thu, 07 Oct 2010 08:28:00 +0000

You need to remember that self investment is not equal to the loan investment.
Self investment,dividen paid using pro rate(monthly-minimum balance) while self investment,the money is always there and just multiply by e.g 8% dividen at year end.

I’ve done it and make my own calculator(take into account the pro rate)
The result is loan investment will make profit by 1.84-1.88 times greater than self investment

E.g ; your loan investment is RM50k for 25 years
Monthly is RM284

After 25 years ; your net profit(after deduct your total payback to bank) is RM 257,223.76

While for self investment you will only have RM 136,738.69

If you are not sure,you can ask ASB staff to explain to you about their pro rate dividen(they had the system to calculate it)

One more thing, maximize your loan investment. So that you just need to pay loan bank using your own money only at first year,afterwards the dividen is enough to for the annual loan payback but this will definitely lower your profit.

By: Me

Me — Mon, 04 Oct 2010 04:53:00 +0000

Irwan, adakah lebih baik saya buat pinjaman sebanyak 10k atau 20k setiap thn sebanyak 10 kali smpaila pd thn yg ke-10, (bayaran bulanan RM67 @ RM133 utk pinjaman yg pertama sehinggalah 20 thn) dan dividen yg dpt digunakan utk byr pinjaman seterusnya.. atau buat pinjaman 100k atau 200k sekaligus, yg bayaran bulanannya dlm RM647 atau RM1283 ? Kedua-dua kes pun, pd akhirnya saya akan dpt 100-200k ++.

By: Azam

Azam — Thu, 26 Aug 2010 19:02:00 +0000

Hi Irwan
What happened to all the comments for your original blog post on taking a loan to invest in ASB? I kept the comments page as a bookmark in my browser because I wanted to update myself with all the people who did take a loan (or take loans) for the purpose of investing in ASB. I wanted to know how successful or unsuccessful they were in getting extra returns, because I’m cautious about the changes in BLRs so I have not done it myself, but I do want to fill up my ASB account. At the moment I have savings in British Pounds but the exchange rate against the RM is terrible (the Sterling might even fall further this year) so I’m just keeping that money in the UK for one or two more years before I take them back to Malaysia.

By: Khairilaswan

Khairilaswan — Wed, 25 Aug 2010 06:42:00 +0000

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