make MONEY

in your SLEEP

ASB LOANSA GOOD INVESTMENT?

SCENARIOS

SELF FUNDING - Not to take up personal loan. Invest the same amount monthly in ASB savings (RM179)

LOAN - Taking up RM 30,000 personal loan. Pay RM 179 monthly to bank.

PERSONAL LOAN DETAILS

• Loan Amount : RM30,000• Tenure of Loan : 25 years• Interest Rate for Loan : BLR – 2.0%• Monthly Payment* : RM179/month• EXPECTED ANNUAL RETURNS : 7% (dividend)

RESULTSSELF FUNDING• Total Amount Invested = RM179 x 12

months x 25 years = RM 53,700• Value in ASB after 25 years :

RM 149,662 * Calculated using Investment Calculator

• Net Profit in 25 years = RM 149,662 – RM 53,700 = RM 95,962

LOAN• Loan cost = RM179 x 12 months x 25

years = RM 53,700• Value in ASB after 25 years : RM

187,100 * Calculated using ASB Investment Calculator

• Net Profit in 25 years = RM 187,100 – RM 53,700 = RM 133,400

“BORROWING IS EASY!!! LATER STRUGGLE HOW?”

= RM 252

Lets say, after 1st year

You pay RM 179 x 12 = RM

2148

Profit for the year = RM

30000 x 8% = RM 2400

RM 2400

- RM 2148