Kisah 4 Orang Rakan Baik Urus Modal Simpanan Namun Hasil Berbeza

Simpanan (Modal) Sama, Hasil Berbeza

➡ ASB Financing WIN ‼

➰Ada 4 orang rakan baik. (Alan , Bad, Chan dan Danial)
➰Masing-masing mempunyai pandangan yang berbeza tentang cara menggandakan wang.
➰Setiap mereka mampu menyimpan RM1074 sebulan. ✔️

– Alan tidak percaya sistem perbankan islam. Katanya backdoor riba. Haram!
– Alan pun simpan RM1074 duit nya di dalam tabung rumahnya.

– Bob kata buat pinjaman ASB merugikan. Bagi untung bank je. Tak kan bank tak mau untung.
– Orang yang buat pinjaman ASB ni tak pandai. 7.25% – 5.20% = 2.05%. Buat pinjaman asb hanya dapat keuntungan 2.05% sahaja. Baik simpan terus di ASB setiap bulan. Dapat terus 7.25%. Tak perlu nak pening-pening nak bayar pinjaman kat bank nanti.
– So Bob pun simpan lah setiap bulan RM1074 di akaun ASB nya.

– Chan mahu guna OPM untuk gandakan wangnya. Chan tahu yang pinjaman ASB ini lebih untung dari simpanan secara biasa.
– Chan tahu walaupun pinjaman asb ni bagi untung bank, tapi Chan lebih untung.
– So Chan pun buat pinjaman ASB RM200k untuk tempoh 30 tahun dengan bayaran bulanan RM1074.

📌 Daniel
– Daniel faham apa itu OPM. Daniel mahu maximum kan penggunaan OPM sepenuhnya dalam pinjaman ASB.
– Daniel tahu buat pinjaman ASB dan ASB2 lebih untung dari hanya buat pinjaman ASB sahaja.
– Daniel tahu dari biarkan dividen compounding dalam akaun ASB, lebih baik guna duit dividen itu untuk membuat pinjaman ASB2.
– So Daniel buat pinjaman ASB 200k untuk tempoh 30 pada tahun pertama dengan bulanan RM1074 (5.0%).
– Tahun kedua, Daniel apply pula Pinjaman ASB2 untuk tempoh 30 tahun dengan bulanan RM1098 (5.2%). Dividen dari ASB digunakan untuk membayar installment pinjaman ASB2.
– Ulang langkah ini setiap tahun.


✅ALAN (Saving sendiri)
– Simpanan Alan dalam tabung rumah ada 1074 x 36 bulan = RM38,664👍

✅Bob (Monthly saving di ASB)
– Compounding dividen dalam akaun ASB berjumlah RM43,148👍

✅Chan (ASB Financing)
– Principal RM9,300
– Compounding Dividen RM46,730
– Total RM56,030👍

✅ Daniel (ASB Financing + ASB2 Financing)
– Principal ASB RM9,300
– Principal ASB2 RM5,800
– Compounding Dividen ASB RM17,433
– Compounding Dividen ASB2 RM30,051
– Total RM62,594👍

Kesimpulannya, dengan bermodalkan RM 1074, pulangan 4 orang ini adalah BERBEZA! 😱😱😱

Alan = RM 38,664 ✅
Bob = RM 43,148 ✅
Chan = RM 56,030 ✅
Daniel = RM 62,594 ✅✔️✔️✔️

Siapa lagi bijak?

Nak buka akaun ASF ? Nak dapatkan penerangan percuma tentang ASBF ?

Sila Klik No >> 0178078400

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