Assalamualaikum and Happy New Year 2026! 🎉 Welcome back to Kakiforex.com , where we share practical tips on managing your finances smartly and building a brighter future.
Every year, when January rolls around, many Malaysians get excited—why? Because it’s dividend season for ASB! 🌟 And if you haven’t opened your ASB account yet, no worries—it’s never too late. Opening an account is super easy, and I’ve even shown it step-by-step in my previous videos via mobile apps.
Recently, a follower, asked a fantastic question:
"Can you explain the actual returns from ASBF if I invest for just 10 years? How about the annual dividends, total loan interest, and net balance if I terminate the certificate?"
Perfect question! 🤩 Many of you have been asking: Which is more profitable—ASB or ASBF? Interest rates, dividends, and economic conditions have changed, so it’s crucial to see the updated comparison. Today, I’ll break it down step by step.
Step 1: Gather the Essentials 📝
To compare ASB and ASBF properly, you need a few key tools:
Financial Calculator – iOS users can use iSator, Android users can use Financial Calculator.
Information You Need:
Loan amount (example: RM100,000)
Loan term (example: 35 years = 420 months)
Dividend rate (ASNB declared 5.75% for 2025)
Interest rate (example: 4.3% per year)
With this, we can calculate monthly payments, total payments, and interest. For example, a 35-year ASBF loan of RM100,000 at 4.3% interest = RM461/month. ✅
Step 2: Calculating ASB Investment 💰
If you save RM461 per month in ASB for 10 years at a 5.75% dividend rate, here’s what happens:
Total investment after 10 years = RM74,291.90
Using the TVM (Time Value of Money) calculator, you’ll see the magic of compounding in action.
Step 3: Calculating ASBF Investment 📊
Now, let’s leverage the bank with ASB Financing (ASBF):
You take a RM100,000 ASB loan and pay RM461/month to the bank for 10 years.
Your total ASB balance after 10 years grows to RM174,905.62.
After subtracting the remaining loan balance (RM84,648.27), your net profit = RM90,257.35
🎯 Verdict: ASBF gives higher returns than ASB in this scenario!
Step 4: Key Considerations ⚠️
Before you rush into ASBF, remember:
It’s a commitment. RM461/month is mandatory. Miss a payment, and there are consequences.
Dividends and interest rates fluctuate. Changes can impact your returns.
ASB is flexible. You can pause contributions if needed—no risk, lower stress.
High risk, high reward with ASBF. Lower risk, steady growth with ASB. Your choice depends on your risk tolerance and financial discipline.
Bonus Trivia 🤓
Did you know ASBF is actually a unit trust instrument? That’s right! Unlike ASB, which pays annual dividends, some unit trusts can give both dividends and capital appreciation, potentially outperforming ASB.
For beginners unsure about which unit trust to pick, ASB remains the safest route. But if you’re ready to explore, I even have a special class on investing in unit trusts independently—no agents needed! Just click the link in the description.
Ready to Grow Your Wealth in 2026? 🚀
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Huawei: https://bit.ly/myasnb-huawei
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