The basics of ASB financing







An alternative method to invest in ASB other than cash investment. This financing facility is offered by ASNB’s agent banks to investors who fulfill the criteria set by the banks.





An investment instrument that is subject to financing rates and related charges.





This financing facility is offered by ASNB’s agent banks to investors who fulfill the criteria set by the banks.




Financing with attached protection/takaful in the event of death and disability.




Does not require upfront payment or any types of collaterals.




An investment instrumen that could potentially help you achieve long-term financial objectives with forced-savings.

Please refer the latest Master Prospectus and Product Highlight Sheet for more details on ASB features which can be obtained at www.asnb.com.my, ASNB branches and agents.

Where unit trust loan financing is available, investors are advised to read and understand the contents of the unit trust loan financing risk disclosure statement before deciding to borrow to purchase units. The disclosure statement will be provided by bank for ASB financing application.

Tips for investment via ASB financing





Affordability is the key


Align your investment goal and affordability. Budget the instalment amount to be within the capacity of your monthly commitment. Do not depend on yearly dividend.



Self discipline while investing


Discipline yourself to pay the monthly instalment from your own cash flow and not from the annual dividend like how you pay for car/house loan repayment.



Retain your dividend


Let your investment and dividend grow over the long term by retaining your yearly dividend. The more the amount of dividend you retain (compounded), the bigger benefits you will gain as compared to use it for monthly instalment.



Your future financial commitment


As ASB financing requires long term commitments, take into account your future financial commitment like buying a car/house or expanding your family expenses before deciding on ASB financing.



Adopt “let it grow” strategy


“Let it grow” strategy can be done by performing monthly auto-debit for payment of instalment. Once it matured, you can enjoy the fruits of your investment.



Subscribe insurance/takaful


Takaful coverage that is usually offered with financing can provide peace of mind against any risks of death and disability.





Setting the right financing amount that suits you

Determine the financing amount based on your income and ability to pay the monthly instalment. We provide some guidance for you.



Table 1: Estimated monthly instalment based on financing amount.



*Based on financing rate of 3.75% and financing tenure of 20 years




Lets see how they allocate their salary for savings/investment before spending

#As illustration and recommendation for monthly budget allocation. | *Total salary has taken into account the compulsory deductions such as EPF and monthly tax deduction (PCB). | ** Total financing, rate and tenure are based on Table 1


Get the correct information with the factual explanation from official and reliable sources

Where unit trust loan financing is available, investors are advised to read and understand the contents of the unit trust loan financing risk disclosure statement before deciding to borrow to purchase units. The disclosure statement will be provided by bank for ASB financing application.

Beware of the risks associated with ASB financing and their implications.



Please refer the latest Master Prospectus and Product Highlight Sheet for more details on ASB features which can be obtained at www.asnb.com.my, ASNB branches and agents.

Where unit trust loan financing is available, investors are advised to read and understand the contents of the unit trust loan financing risk disclosure statement before deciding to borrow to purchase units. The disclosure statement will be provided by bank for ASB financing application.

Benefits of the power of compounding to your investment



ASB Financing provides the advantages of lump sum investment

An opportunity to benefit from the compounding effect through lump sum investment and retained dividends compared with small amounts of monthly investments.

Table 2: Lump sum investment vs monthly investment

**based on ASB income distribution for financial year 2021





Difference between ASB financing and monthly investment




The past performance of a fund should not be taken as indicative of its future performance.

Power of compounding maximize your ASB financing

By retaining the initial investment and yearly dividend, it will generate a higher accumulated investment amount at the beginning the year and generate more dividend.




The difference between dividend retained and dividend withdrawn

The past performance of a fund should not be taken as indicative of its future performance.

Smart investors would choose to retain their dividend to take advantage of the power of compounding.




Which type of investor are you?




Where unit trust loan financing is available, investors are advised to read and understand the contents of the unit trust loan financing risk disclosure statement before deciding to borrow to purchase units. The disclosure statement will be provided by bank for ASB financing application.







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