Cara Terbaik Maksimumkan ASB!!!

yeob

kolpley posted on 3-12-2013 01:20 PM
nk tny..klu amek loan ASB 200k 25thn bulan2 bayo rm1200..
mule2 strategi nak bayar installment utk  ...

aku rasa rugi kalo buat loan untuk asb.. kalo ko simpan bulan2 1200, kalo setahun dah dapat 14,400... kalo kira dividen 7% dari 200k, setahun ko baru dapat 14,000.. itupun ko kena rolling nak bayar loan.. pada pendapat aku laa... kalo ko buat loan asb 1200 bulan, nanti komitment ko dah tinggi, nanti nak beli rumah, payah bank nak approve loan sebab komitmen dah tinggi...

aarie

joz_a posted on 2-12-2013 03:50 PM
Nk tny...

saya bukak ASNB account thn 1996 dgn initial rm10. Lepas tu tk prnh bergerak2. Now sy n ...

kalu ada akaun maybank2u.. bleh reg akaun asb, asw n as1m untuk tambah online..
biasa nya lepas register thro akaun kita... kena tunggu dia activekan dulu.. baru bleh tambah..

bank lain pun mungkin ada jugak.. under investment rasanya..
good luck... tak payah naik lrt dah..

ps: asw dah penuh.. as1m masih ada.. asb ikut limit individu ler..

talapia

aku ada invest dlm ASB... struggle la jugak nk menyimpan everymonth.. target.. nk full kan smpai 200k.. adala dlm 10 tahun lagi kot nk penuh. tapi bila fikir2.. 200k skrg aku rasa besarla.. bole la dapat sebijik rumah kt ceruk2 kampung... tapi after ten years tu... 200k is nothing.. ntah2 dapat kete sebijik aje. camne tu? walhal aku struggle mcm nk gile nk dapatkan 200k tu.

joz_a

aarie posted on 3-12-2013 10:25 PM
kalu ada akaun maybank2u.. bleh reg akaun asb, asw n as1m untuk tambah online..
biasa nya lepas r ...

so kena register online kt maybank2u dulu ye? ok. sy try. TQ.

aarie

talapia posted on 4-12-2013 11:55 AM
aku ada invest dlm ASB... struggle la jugak nk menyimpan everymonth.. target.. nk full kan smpai 200 ...

kecik pun takpe.. at least ada saving..
kat ASB ada dividen lagi..

much better dari langsung tak simpan..
lagi 10 tahun pun langsung takde..

aarie

joz_a posted on 4-12-2013 04:09 PM
so kena register online kt maybank2u dulu ye? ok. sy try. TQ.

kalau berjaya update ehh..

cmf_Juju

kolpley posted on 3-12-2013 01:20 PM
nk tny..klu amek loan ASB 200k 25thn bulan2 bayo rm1200..
mule2 strategi nak bayar installment utk  ...

after 3 years is the best time to terminate the loan

nanti i paste calculation tu

talapia

aarie posted on 5-12-2013 03:22 PM
kecik pun takpe.. at least ada saving..
kat ASB ada dividen lagi..

bukan masalah kecik ke besar... tapi aku ralat la... skrg bukan main aim nk 200k dlm tempoh 10 tahun dgn harapan bole guna duit tu utk buat rumah. Yes... klau skrg 200k tu bole la buat modal bina rumah sebijik. But in 10 years time.. 200k tu ntah2 buat rumah 2 bilik pon tak lepas kot. So rasa mcm tak fair dgn usaha aku skrg struggle nk dapatkan that amount of money. Sebab? value duit tu makin lama makin kecik.

Apa lagi cara untuk simpan 200k tapi value dia sama dulu dan kini... or better klau higher than now. Contoh... emas and property. tapi property... xmampu dah aku nk cari port yg berbaloi beli n sewakan..

tina^^

talapia posted on 6-12-2013 10:06 AM
bukan masalah kecik ke besar... tapi aku ralat la... skrg bukan main aim nk 200k dlm tempoh 10 tah ...

think this way,

at least in next 10 yrs you ada 200k yg maybe tarap habuk ajek. imagine this, orang yg usahkan 200k, habuk pon tarak u guess how?? at least, u ada kereta kancil dari org yg kena berjalan kaki ke mana mana.

well...the best investment tool to hedge against time and inflation thus far is property. ini skang, but i kindda skeptic sbb hard lending rule commencing Jan 2014, buying and investing in property will never be the same again.

but then again, at least you have your kancil to ride on rather than hoping your 2 old sick foot.

talapia

tina^^ posted on 6-12-2013 10:30 AM
think this way,

at least in next 10 yrs you ada 200k yg maybe tarap habuk ajek. imagine this, o ...

haha.. tarap habuk je ek? klau fikir camtu mmgla rasa terkilan yg amat2... tapi better than nothing la kan. kancil pon kancil la..

but 1 thing for sure... ASB ni aset cair. so anytime bole guna utk beli or invest in anything better bila diperlukan. compared to properties.. value memang makin naik.. but bila terdesak... tak bole nak cash in on the spot. kalau sewakan pon... lebihan sewa selepas tolak installment pon... tak mampu nk support makan minum sebulan kot. but in 25 yrs.. rumah tu dah bole buat pusaka utk anak2.. itu pro n con ASB n properties. how about gold investment lak?

tina^^

talapia posted on 6-12-2013 10:40 AM
haha.. tarap habuk je ek? klau fikir camtu mmgla rasa terkilan yg amat2... tapi better than nothin ...

hihii taklah tarap habuk, perumpamaan ajek....at least ada abuk dari abuk pon tarak?? saper lagik loser? ekekekekek

ASB and property of cos both ada pro and cons.....tgk la credit capability kita mcm mana. at least, u have something to fall back in case of anything.

emas tak sure la coz im not into it...tp skang emas murah ek?? 128 per gram so i heard.

talapia

tina^^ posted on 6-12-2013 10:44 AM
hihii taklah tarap habuk, perumpamaan ajek....at least ada abuk dari abuk pon tarak?? saper lagik  ...

okay.. utk mengurangkan ralat di hati... pujuk hati camni je la... Penuhkan ASB tu.. then... in the mean time.. cari lubuk baru yang better than ASB. bila dah jumpa.. masa tu baru la gunakan apa yg dah disimpan bertahun2 tu utk dicampak dalam lubuk baru. Kalau nk harapkan dividen ASB aje... memang tak ke mana la rasanye. But ia bole jadi tools utk backup. But never put all ur eggs in one basket... tapi kalau sebiji kt sini.. sebiji kt situ.. bila masa nk kaya? wakakakaka

tina^^

talapia posted on 6-12-2013 10:52 AM
okay.. utk mengurangkan ralat di hati... pujuk hati camni je la... Penuhkan ASB tu.. then... in th ...

ASB best layan bila compunding interest dah besar.

struggle nye memula ajek....bila dah dapat snow ball effect, masatue, tunggu ajek ajek awal tahun nak tgk beautiful numbers updated in ur saving account

well again, at least u have something than nothing.

talapia

tina^^ posted on 6-12-2013 11:04 AM
ASB best layan bila compunding interest dah besar.

struggle nye memula ajek....bila dah dapat s ...

tina...

klau ASB dah full... dividen tu nanti tak bole la nk biar dia beranak pinak dlm tu eh? kenela keluarkan ye?

tina^^

talapia posted on 6-12-2013 11:12 AM
tina...

klau ASB dah full... dividen tu nanti tak bole la nk biar dia beranak pinak dlm tu eh?  ...

i tak usik my div and when i checked my limit dah naik additional 30k from the normal capping.

tp my frenz cakap, after certain limit asb akan kira div based on ur max capping tue ajek walau u have more than that. if thats the case, kena korek bawak kuar tempat lain or else rugi ajekla.

damiqula

dunno why,i believe kalau nk buat loan asb adelah dgn max out the amount,dan tenure yang pendek.

but my husband pulak believe dgn max amount the amount,tapi tenure panjang.

actually mana lebih untung?

tina^^

damiqula posted on 6-12-2013 02:22 PM
dunno why,i believe kalau nk buat loan asb adelah dgn max out the amount,dan tenure yang pendek.

...

personally, i agree with ur husband.

max amount with longest tenure.

your objective is not to settle all the loan within stipulated time. rather, u want to LEVERAGE on the ASB loan scheme and multiply wealth within a shorter period with few techniques that has been widely discussed and deliberated.

if you can save 1,200/month for the next 25 years, you are at the losing end if u take loan.

why must u pay RM1200 x 12 months x 25 yrs = RM360,000 just to get RM200,000 saving in ur ASB by year 25, right??

damiqula

tina^^ posted on 6-12-2013 03:25 PM
personally, i agree with ur husband.

max amount with longest tenure.

so kesimpulannya amik max amount,with longest tenure.let say dalam tempoh 5 tahun,sy cancel.n apply lagi dgn cara yang sama,kan?

thats what i understand la kalau nk max kan untung.ke fahaman sy salah?

joz_a

aarie posted on 5-12-2013 03:24 PM
kalau berjaya update ehh..

yes. ASB account dah active dalam maybank2u. dah transfer duit pun dlm tu. lega rs bila duit dh selamat dok dlm asb tu. nk kluarkan kena usaha sikit so biar dia dok dlm diam2. kalau dok dlm savings sekejapan dah susut. cuma x update buku je. yg tu nk tak nak kena pegi agen la kan?

aarie

joz_a posted on 7-12-2013 01:09 AM
yes. ASB account dah active dalam maybank2u. dah transfer duit pun dlm tu. lega rs bila duit dh se ...

happy for you...

bila2 pergi bank update ler..
tak update buku pun takpe.. dalam system akan sentiasa up to date..