Before we discuss in details, let us see the differences between these 2 kind of investment
ASB INVESTMENT
ASB INVESTMENT
Calculation:
E.g year 2000 until year 2008
11.75 + 10 + 9 + 9.25 + 9.25 + 9 + 8.55 + 9 + 8.75 = 84.55 %
In summary, total profit in ASB for 8 years is 84.55% (include bonus per year)
GOLD INVESTMENT
| YEAR (DEC) | BUY | SELL |
| 2002 | 1335 | 1387 |
| 2003 | 1615 | 1678 |
| 2004 | 1699 | 1766 |
| 2005 | 1989 | 2057 |
| 2006 | 2271 | 2347 |
| 2007 | 2858 | 2952 |
| 2008 | 3099 | 3200 |
| 2009 | 3669 | 3902 |
(source : www.bnm.gov.my)
E.g 1 oz kijang emas
Calculation:
E.g 1 oz kijang emas
RM3902 - RM1335
RM2567 x 100/RM1335 = 192.38%
In summary, the gold increase about 192.38% in 7 years. Therefore 1 year approximate to 27.46%.
MY CONCLUSION
ASB is one of good investment because the track record for the last 15 years are still consider higher than any Fixed Deposit (FD) or any other investment. However gold investment have a track more than 10 decades based on the world gold price and still proven as strong investment than others.
ASB has 2 types which are loan and non-loan. ASB loan can get higher profit because you can make loan until RM200,000. But you must remember Base Lending Rate (BLR). It will cut your profit because you consider as taking personal loan. However, ASB non-loan get a solid dividen and bonus but small volume of profit unless you are rich
For me, both of these investment are good. Why not investing in ASB and gold vice versa?
ASB has 2 types which are loan and non-loan. ASB loan can get higher profit because you can make loan until RM200,000. But you must remember Base Lending Rate (BLR). It will cut your profit because you consider as taking personal loan. However, ASB non-loan get a solid dividen and bonus but small volume of profit unless you are rich
For me, both of these investment are good. Why not investing in ASB and gold vice versa?
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