Jadilah pelabur yang bijak.

Hi guys. Today nak share dengan uols pasal ASB sikit. I dapat this information from abang ipar I which is I find it smart and interesting. Memang konsep ASB ni pun 'jadilah pelabur yang bijak'. In  7 years of ASB loan, uols akan dapat jumlah pelaburan anda eventhough your loan period is more than 7 years.

First of all, choose which bank yang boleh bagi benefit dekat uols. Meaning, every month uols kena bayar berapa. Berapa interest rate dia.

Then, choose berapa banyak uols mampu untuk buat pelaburan. RM 50,000? RM 70,000? RM 100,000? or RM 200,000? My advise is jangan terlalu tamak and jangan terlalu ambitious sangat. Sebab with ASB, uols kena commit bayar every month. Takut tak termampu and duit gaji uols kena prepare if worst thing to comes. Accident ke? Rumah terbakar ke? Kereta rosak ke?

Once uols dah pilih masak-masak berapa uols nak buat loan, then pilih berapa tahun akan habis bayar. Let say 5 years/ 10 years/ 15 years/ 30 years. Kalau buat loan 30 years then uols akan bayar per month sikit compared to 5 years. (Common sense right). My advise is ambil 30 years of loan.

Now, jom kita buat calculation for 7 years of loan.

• Jumlah loan/pelaburan: RM 70,000 (lets say this amount)
• RM 400 per month / RM 4,800 per year
• Then, RM 4,800 x 7 years.
• RM 33,600.00 jumlah yang uols dah bayar for 7 years.
• Then, every year kerajaan akan bagi dividend atleast 8% (+1% bonus). Kalau lebih 8% kira rezeki.
• So, RM 70,000 x 8% = RM 5,600 per year.
• Next, RM 5,600 x 7 years (dividend ni tak tepat sebab I kira roughly which I know dividend tu akan accumulate with the amount we invest in ASB)
• Jumlah dividend for 7 years is  RM 39,200.00

• Therefore in 7 years, RM 33,600 yang uols bayar for 7 years + RM 39,200 with the dividend amount for 7 years akan jadi = RM 75,800.00.

• Apa yang aku tahu, if you can pay the loan awal, bank akan bagi rebate. Dekat situ uols dah untung lagi.

If ikut calculation I ni, uols tak payah tunggu 30 tahun untuk uols dapat balik duit investment ASB. Sebab in just 7 years, uols dah boleh dapat RM 70,000. Once dah dapat RM 70,000 tu, uols carry on buat another ASB loan. Maybe this time uols buat loan for RM 150,000 for 30 years. Then use same concept. Time tu maybe dah ada duit lebih. Dah pangkat besar. Maybe. ^-^

Apa yang best pasal ASB ni is uols bila dah dapat duit tu uols boleh buat investment lain, contoh beli rumah. So like I said, jadi lah pelabur yang bijak.

:)