Comments on: Let’s Compare our ASB Plan

By: mr..desperate

mr..desperate — Tue, 09 Feb 2010 08:29:10 +0000

please email me all about maybank asb loan..

By: kingv6

kingv6 — Thu, 14 Jan 2010 04:15:03 +0000

Hi,

Need advise here..
Which is more profitable, Option1 or Option2?
Is the Dividen & Bonus calculation the same for both options?

Option1
ASB loan: rm50k
Loan tenure: 25 years
Monthly inst: rm263

Option2
Manually deposit into ASB book: rm263 (every month)
Duration: 25 years

Awaiting reply.
Tks

By: aron

aron — Tue, 04 Aug 2009 21:28:50 +0000

encik irwan,,saje ni berumur 23 tahun..
saya tak kesah la ape orang nak kata pasal asb ni..
tapi saya wat loan asb sebanyak rm30k dalam masa 20..
walaupun asb tidak memberi dividen yang terlalu tinggi..tapi sekurang2 nya i hasil dari dividen tu mampu untuk saya memiliki sebuah rumah yang agak selesa.
melalui calcutor yang cik irwan sediakan dengan jumlah pnjaman rm 30k selepas 20 thn tanpa di usik dividen tu..jumlah wang boleh meningkat sehingga hampir 150k.dan sepanjang saya bekerjasetakat ini,,tiap2 bulan saya mendisplin kan diri saya untuk menyimpan wang sebanyak rm 300 sahaja di asb..bagi saya walaupun mungkin asb ni tak mampu membuat kan saya jadi kaya..tapi sekurang kurangnya ia mampu membuatkan saya hidup selesa di hari kelak.terutamanya untuk memberi pendidikan yang sempurna pada anak saya nanti..saya pun bekerja sebagai penjawat awam..jadi amat memudah bagi saya untuk melakukan pinjaman peribadi bagi menambahkan lagi wang simpanan asb..sekadar berkongsi pendapat.terima kasih

By: Mohd Basir Ahmad

Mohd Basir Ahmad — Mon, 20 Oct 2008 17:33:45 +0000

betul tu. kalau takde gaji & perks, Najib pun tak nak jadi PM.
CEO PNB pun tak nak kerja kalau takde gaji. Baik balik Pasir Puteh.

By: adymfi

adymfi — Mon, 20 Oct 2008 01:12:21 +0000

Mana-mana topik tentang ASB investment ada je ulat-ulat Public Mutual ni. Kalau takda komisen mesti diaorang ni tak promote dia punye unitrust. Sebab apa ulat-ulat ni asik buruk-burukkan ASB loan scheme? Sebab diaorang ni tak dapat apa-apa profit daripada skim ni. Cuba kalau PNB bagi komisen kat ulat-ulat ni.. sure heboh unitrust yang lain kena kondem..

yang ikhlas;
lu fikir lah sendiri…

By: ASB investment on Loan or Monthly bank-in? » KL Walker

ASB investment on Loan or Monthly bank-in? » KL Walker — Fri, 25 Jul 2008 07:41:03 +0000

[...] you would like to share your ASB investment plan, check here is the place The data that I used in this calculation is as follow: Interest Rate:6.9% Dividend Rate:7% Lending [...]

By: amdin

amdin — Sun, 11 May 2008 22:44:05 +0000

my 2cent opinion, tengok ar.. kalu bulan tuh 15 hari ja.. faedah nye mungkin RM40.50 kot?? refer balik kat agreement document n perati betui² dier ada tulis BLR BLR BLR atau KPA KPA KPA.. tuh sbb fluctuate. Nie dah jadik biasa bila amik loan, n yg penting tak cam roller coaster.

By: Irwan

Irwan — Thu, 13 Dec 2007 05:16:19 +0000

hi there,

it’s not my profession, so you aren’t gonna get professional advise :p.

I could only think one reason why it change

If you have set an automatic payment and the value maybe more than you should pay. If you pay extra, this will reduce the amount that you have to pay each month. Actually, I’m not sure about this also. but as long it’s lesser than you expected, you shouldn’t worry.

after all, you could always call your bank to ask about this. that’s as far as i could help. maybe other visitors could help you further.

By: Juleng

Juleng — Thu, 13 Dec 2007 04:28:43 +0000

Hi Irwan…

Need your professional advise on my asb loan.
So sekarang loan saya ialah 15000.monthly payment is 112.00p/m
the interest charged on me is 6.75%.the prob now is why does the interest charged on me fluctuate every month…on oct the interest is rm85.28 and on nov rm82.38.I have no extra investment that i put in the account every month…so the question: between me and the bank siapa yang akan untung lebih…saya betul tak faham…and kenape interest naik turun every month..

By: -azr-

-azr- — Mon, 26 Nov 2007 08:34:11 +0000

Helo Reeszal,
You should take into account the charges charged by Public Mutual, for every new unit 6.5% is applicable. This is where ASB differs to other unit trusts, ASB has no such charge.

In order for PM to match the return of ASB, PM needs to give out at least 13.5% per year (most do exceed this amount). With 11% a year with other unit trusts, you are actually in the losing end for the first year.

Hopefully this will help.