Scenario 1

Return per annum 8%

Cash Outflow ASB Investment

Year
(RM) (RM)

1 (13,627) 200,000
2 (13,627) 200,000
3 (13,627) 200,000
4 (13,627) 200,000
5 (13,627) 200,000
6 (13,627) 200,000
7 (13,627) 200,000
8 (13,627) 200,000
9 (13,627) 200,000
10 (13,627) 200,000
11 (13,627) 200,000
12 (13,627) 200,000
13 (13,627) 200,000
14 (13,627) 200,000
15 (13,627) 200,000
16 (13,627) 200,000
17 (13,627) 200,000
18 (13,627) 200,000
19 (13,627) 200,000
 20 (13,627) 200,000
21 (13,627) 200,000
22 (13,627) 200,000
23 (13,627) 200,000
24 (13,627) 200,000
25 (13,627) 200,000
26 (13,627) 200,000
27 (13,627) 200,000
28 (13,627) 200,000
29 (13,627) 200,000
30 (13,627) 200,000
Total (408,809)

Note:

The calculation above assumes the returns generated from the inv
Return - 8% Net Cash Flow
(RM) (RM)

0 (13,627)
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
 16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
16,000 2,373
464,000 55,191

generated from the investment are not re-invested into the fund.
Loan amount 200,000.00
Interest rate 4.50%

Year Balance b/f Interest Instalment

1 200,000 750 (1135.58)
2 199,614 749 (1135.58)
3 199,227 747 (1135.58)
4 198,839 746 (1135.58)
5 198,449 744 (1135.58)
6 198,058 743 (1135.58)
7 197,665 741 (1135.58)
8 197,270 740 (1135.58)
9 196,875 738 (1135.58)
10 196,477 737 (1135.58)
11 196,078 735 (1135.58)
12 195,678 734 (1135.58)
13 195,276 732 (1135.58)
14 194,873 731 (1135.58)
15 194,468 729 (1135.58)
16 194,062 728 (1135.58)
17 193,654 726 (1135.58)
18 193,245 725 (1135.58)
19 192,834 723 (1135.58)
20 192,421 722 (1135.58)
21 192,007 720 (1135.58)
22 191,592 718 (1135.58)
23 191,175 717 (1135.58)
24 190,756 715 (1135.58)
25 190,336 714 (1135.58)
26 189,914 712 (1135.58)
27 189,491 711 (1135.58)
28 189,066 709 (1135.58)
29 188,639 707 (1135.58)
30 188,211 706 (1135.58)
31 187,781 704 (1135.58)
32 187,350 703 (1135.58)
33 186,917 701 (1135.58)
34 186,482 699 (1135.58)
35 186,046 698 (1135.58)
36 185,608 696 (1135.58)
37 185,168 694 (1135.58)
38 184,727 693 (1135.58)
39 184,284 691 (1135.58)
40 183,840 689 (1135.58)
41 183,393 688 (1135.58)
42 182,946 686 (1135.58)
43 182,496 684 (1135.58)
44 182,045 683 (1135.58)
45 181,592 681 (1135.58)
46 181,137 679 (1135.58)
47 180,681 678 (1135.58)
48 180,223 676 (1135.58)
49 179,763 674 (1135.58)
50 179,302 672 (1135.58)
51 178,839 671 (1135.58)
52 178,374 669 (1135.58)
53 177,907 667 (1135.58)
54 177,439 665 (1135.58)
55 176,968 664 (1135.58)
56 176,496 662 (1135.58)
57 176,023 660 (1135.58)
58 175,547 658 (1135.58)
59 175,070 657 (1135.58)
60 174,591 655 (1135.58)
61 174,110 653 (1135.58)
62 173,627 651 (1135.58)
63 173,143 649 (1135.58)
64 172,657 647 (1135.58)
65 172,168 646 (1135.58)
66 171,679 644 (1135.58)
67 171,187 642 (1135.58)
68 170,693 640 (1135.58)
 69 170,198 638 (1135.58)
70 169,700 636 (1135.58)
71 169,201 635 (1135.58)
72 168,700 633 (1135.58)
73 168,197 631 (1135.58)
74 167,692 629 (1135.58)
75 167,185 627 (1135.58)
76 166,677 625 (1135.58)
77 166,166 623 (1135.58)
78 165,654 621 (1135.58)
79 165,139 619 (1135.58)
80 164,623 617 (1135.58)
81 164,105 615 (1135.58)
82 163,585 613 (1135.58)
83 163,063 611 (1135.58)
84 162,538 610 (1135.58)
85 162,012 608 (1135.58)
86 161,484 606 (1135.58)
87 160,954 604 (1135.58)
88 160,422 602 (1135.58)
89 159,888 600 (1135.58)
90 159,352 598 (1135.58)
91 158,814 596 (1135.58)
92 158,274 594 (1135.58)
93 157,732 591 (1135.58)
94 157,188 589 (1135.58)
95 156,642 587 (1135.58)
96 156,094 585 (1135.58)
97 155,544 583 (1135.58)
98 154,991 581 (1135.58)
99 154,437 579 (1135.58)
100 153,881 577 (1135.58)
101 153,322 575 (1135.58)
102 152,761 573 (1135.58)
103 152,199 571 (1135.58)
104 151,634 569 (1135.58)
105 151,067 567 (1135.58)
106 150,498 564 (1135.58)
107 149,927 562 (1135.58)
108 149,353 560 (1135.58)
109 148,778 558 (1135.58)
110 148,200 556 (1135.58)
111 147,620 554 (1135.58)
112 147,038 551 (1135.58)
113 146,454 549 (1135.58)
114 145,868 547 (1135.58)
115 145,279 545 (1135.58)
116 144,688 543 (1135.58)
117 144,095 540 (1135.58)
118 143,500 538 (1135.58)
119 142,903 536 (1135.58)
120 142,303 534 (1135.58)
121 141,701 531 (1135.58)
122 141,097 529 (1135.58)
123 140,490 527 (1135.58)
124 139,882 525 (1135.58)
125 139,271 522 (1135.58)
126 138,657 520 (1135.58)
127 138,042 518 (1135.58)
128 137,424 515 (1135.58)
129 136,804 513 (1135.58)
130 136,181 511 (1135.58)
131 135,556 508 (1135.58)
132 134,929 506 (1135.58)
133 134,299 504 (1135.58)
134 133,667 501 (1135.58)
135 133,033 499 (1135.58)
136 132,396 496 (1135.58)
137 131,757 494 (1135.58)
138 131,116 492 (1135.58)
139 130,472 489 (1135.58)
140 129,825 487 (1135.58)
141 129,177 484 (1135.58)
142 128,526 482 (1135.58)
143 127,872 480 (1135.58)
144 127,216 477 (1135.58)
145 126,557 475 (1135.58)
146 125,896 472 (1135.58)
147 125,233 470 (1135.58)
148 124,567 467 (1135.58)
149 123,898 465 (1135.58)
150 123,228 462 (1135.58)
151 122,554 460 (1135.58)
152 121,878 457 (1135.58)
153 121,199 454 (1135.58)
154 120,518 452 (1135.58)
155 119,835 449 (1135.58)
156 119,149 447 (1135.58)
157 118,460 444 (1135.58)
158 117,768 442 (1135.58)
159 117,074 439 (1135.58)
160 116,378 436 (1135.58)
161 115,679 434 (1135.58)
162 114,977 431 (1135.58)
163 114,273 429 (1135.58)
164 113,566 426 (1135.58)
165 112,856 423 (1135.58)
166 112,143 421 (1135.58)
167 111,428 418 (1135.58)
168 110,711 415 (1135.58)
169 109,990 412 (1135.58)
170 109,267 410 (1135.58)
171 108,541 407 (1135.58)
172 107,813 404 (1135.58)
173 107,081 402 (1135.58)
174 106,347 399 (1135.58)
175 105,611 396 (1135.58)
176 104,871 393 (1135.58)
177 104,129 390 (1135.58)
178 103,384 388 (1135.58)
179 102,636 385 (1135.58)
180 101,885 382 (1135.58)
181 101,132 379 (1135.58)
182 100,375 376 (1135.58)
183 99,616 374 (1135.58)
184 98,854 371 (1135.58)
185 98,089 368 (1135.58)
186 97,321 365 (1135.58)
187 96,551 362 (1135.58)
188 95,777 359 (1135.58)
189 95,001 356 (1135.58)
190 94,222 353 (1135.58)
191 93,439 350 (1135.58)
192 92,654 347 (1135.58)
193 91,866 344 (1135.58)
194 91,075 342 (1135.58)
195 90,281 339 (1135.58)
196 89,484 336 (1135.58)
197 88,684 333 (1135.58)
198 87,881 330 (1135.58)
199 87,075 327 (1135.58)
200 86,266 323 (1135.58)
201 85,454 320 (1135.58)
202 84,639 317 (1135.58)
203 83,820 314 (1135.58)
204 82,999 311 (1135.58)
205 82,175 308 (1135.58)
206 81,347 305 (1135.58)
207 80,517 302 (1135.58)
208 79,683 299 (1135.58)
209 78,846 296 (1135.58)
210 78,007 293 (1135.58)
211 77,163 289 (1135.58)
212 76,317 286 (1135.58)
213 75,468 283 (1135.58)
214 74,615 280 (1135.58)
215 73,760 277 (1135.58)
216 72,901 273 (1135.58)
217 72,038 270 (1135.58)
218 71,173 267 (1135.58)
219 70,304 264 (1135.58)
220 69,432 260 (1135.58)
221 68,557 257 (1135.58)
222 67,679 254 (1135.58)
223 66,797 250 (1135.58)
224 65,912 247 (1135.58)
225 65,023 244 (1135.58)
226 64,132 240 (1135.58)
227 63,236 237 (1135.58)
228 62,338 234 (1135.58)
229 61,436 230 (1135.58)
230 60,531 227 (1135.58)
231 59,622 224 (1135.58)
232 58,710 220 (1135.58)
233 57,795 217 (1135.58)
234 56,876 213 (1135.58)
235 55,954 210 (1135.58)
236 55,028 206 (1135.58)
237 54,099 203 (1135.58)
238 53,166 199 (1135.58)
239 52,230 196 (1135.58)
240 51,290 192 (1135.58)
241 50,347 189 (1135.58)
242 49,400 185 (1135.58)
243 48,450 182 (1135.58)
244 47,496 178 (1135.58)
245 46,539 175 (1135.58)
246 45,577 171 (1135.58)
247 44,613 167 (1135.58)
248 43,645 164 (1135.58)
249 42,673 160 (1135.58)
250 41,697 156 (1135.58)
251 40,718 153 (1135.58)
252 39,735 149 (1135.58)
253 38,748 145 (1135.58)
254 37,758 142 (1135.58)
255 36,764 138 (1135.58)
256 35,766 134 (1135.58)
257 34,765 130 (1135.58)
258 33,760 127 (1135.58)
259 32,751 123 (1135.58)
260 31,738 119 (1135.58)
261 30,721 115 (1135.58)
262 29,701 111 (1135.58)
263 28,677 108 (1135.58)
264 27,649 104 (1135.58)
265 26,617 100 (1135.58)
266 25,581 96 (1135.58)
267 24,541 92 (1135.58)
268 23,498 88 (1135.58)
269 22,450 84 (1135.58)
270 21,399 80 (1135.58)
271 20,344 76 (1135.58)
272 19,284 72 (1135.58)
273 18,221 68 (1135.58)
274 17,154 64 (1135.58)
275 16,083 60 (1135.58)
276 15,007 56 (1135.58)
277 13,928 52 (1135.58)
278 12,845 48 (1135.58)
279 11,757 44 (1135.58)
280 10,666 40 (1135.58)
281 9,570 36 (1135.58)
282 8,471 32 (1135.58)
283 7,367 28 (1135.58)
284 6,259 23 (1135.58)
285 5,147 19 (1135.58)
286 4,030 15 (1135.58)
287 2,910 11 (1135.58)
288 1,785 7 (1135.58)
289 656 2 (1135.58)
290 (477) -2 (1135.58)
291 (1,614) -6 (1135.58)
292 (2,756) -10 (1135.58)
293 (3,902) -15 (1135.58)
294 (5,052) -19 (1135.58)
295 (6,206) -23 (1135.58)
296 (7,365) -28 (1135.58)
297 (8,528) -32 (1135.58)
298 (9,696) -36 (1135.58)
299 (10,868) -41 (1135.58)
300 (12,044) -45 (1135.58)
301 (13,225) -50 (1135.58)
302 (14,410) -54 (1135.58)
303 (15,600) -58 (1135.58)
304 (16,794) -63 (1135.58)
305 (17,992) -67 (1135.58)
306 (19,195) -72 (1135.58)
307 (20,403) -77 (1135.58)
308 (21,615) -81 (1135.58)
309 (22,832) -86 (1135.58)
310 (24,053) -90 (1135.58)
311 (25,279) -95 (1135.58)
312 (26,509) -99 (1135.58)
313 (27,744) -104 (1135.58)
314 (28,984) -109 (1135.58)
315 (30,228) -113 (1135.58)
316 (31,477) -118 (1135.58)
317 (32,731) -123 (1135.58)
318 (33,989) -127 (1135.58)
319 (35,252) -132 (1135.58)
320 (36,520) -137 (1135.58)
321 (37,792) -142 (1135.58)
322 (39,069) -147 (1135.58)
323 (40,352) -151 (1135.58)
324 (41,638) -156 (1135.58)
325 (42,930) -161 (1135.58)
326 (44,227) -166 (1135.58)
327 (45,528) -171 (1135.58)
328 (46,835) -176 (1135.58)
329 (48,146) -181 (1135.58)
330 (49,462) -185 (1135.58)
331 (50,783) -190 (1135.58)
332 (52,109) -195 (1135.58)
333 (53,440) -200 (1135.58)
334 (54,776) -205 (1135.58)
335 (56,117) -210 (1135.58)
336 (57,463) -215 (1135.58)
337 (58,814) -221 (1135.58)
338 (60,170) -226 (1135.58)
339 (61,531) -231 (1135.58)
340 (62,898) -236 (1135.58)
341 (64,269) -241 (1135.58)
342 (65,646) -246 (1135.58)
343 (67,027) -251 (1135.58)
344 (68,414) -257 (1135.58)
345 (69,806) -262 (1135.58)
346 (71,204) -267 (1135.58)
347 (72,606) -272 (1135.58)
348 (74,014) -278 (1135.58)
349 (75,427) -283 (1135.58)
350 (76,846) -288 (1135.58)
351 (78,270) -294 (1135.58)
352 (79,699) -299 (1135.58)
353 (81,133) -304 (1135.58)
354 (82,573) -310 (1135.58)
355 (84,018) -315 (1135.58)
356 (85,469) -321 (1135.58)
357 (86,925) -326 (1135.58)
358 (88,386) -331 (1135.58)
359 (89,854) -337 (1135.58)
360 (91,326) -342 (1135.58)
(408,808.80)
Balance c/f
199,614
199,227
198,839
198,449
198,058
197,665
197,270
196,875
196,477
196,078
195,678
195,276
194,873
194,468
194,062
193,654
193,245
192,834
192,421
192,007
191,592
191,175
190,756
190,336
189,914
189,491
189,066
188,639
188,211
187,781
187,350
186,917
186,482
186,046
185,608
185,168
184,727
184,284
183,840
183,393
182,946
182,496
182,045
181,592
181,137
180,681
180,223
179,763
179,302
178,839
178,374
177,907
177,439
176,968
176,496
176,023
175,547
175,070
174,591
174,110
173,627
173,143
172,657
172,168
171,679
171,187
170,693
170,198
169,700
169,201
168,700
168,197
167,692
167,185
166,677
166,166
165,654
165,139
164,623
164,105
163,585
163,063
162,538
162,012
161,484
160,954
160,422
159,888
159,352
158,814
158,274
157,732
157,188
156,642
156,094
155,544
154,991
154,437
153,881
153,322
152,761
152,199
151,634
151,067
150,498
149,927
149,353
148,778
148,200
147,620
147,038
146,454
145,868
145,279
144,688
144,095
143,500
142,903
142,303
141,701
141,097
140,490
139,882
139,271
138,657
138,042
137,424
136,804
136,181
135,556
134,929
134,299
133,667
133,033
132,396
131,757
131,116
130,472
129,825
129,177
128,526
127,872
127,216
126,557
125,896
125,233
124,567
123,898
123,228
122,554
121,878
121,199
120,518
119,835
119,149
118,460
117,768
117,074
116,378
115,679
114,977
114,273
113,566
112,856
112,143
111,428
110,711
109,990
109,267
108,541
107,813
107,081
106,347
105,611
104,871
104,129
103,384
102,636
101,885
101,132
100,375
99,616
98,854
98,089
97,321
96,551
95,777
95,001
94,222
93,439
92,654
91,866
91,075
90,281
89,484
88,684
87,881
87,075
86,266
85,454
84,639
83,820
82,999
82,175
81,347
80,517
79,683
78,846
78,007
77,163
76,317
75,468
74,615
73,760
72,901
72,038
71,173
70,304
69,432
68,557
67,679
66,797
65,912
65,023
64,132
63,236
62,338
61,436
60,531
59,622
58,710
57,795
56,876
55,954
55,028
54,099
53,166
52,230
51,290
50,347
49,400
48,450
47,496
46,539
45,577
44,613
43,645
42,673
41,697
40,718
39,735
38,748
37,758
36,764
35,766
34,765
33,760
32,751
31,738
30,721
29,701
28,677
27,649
26,617
25,581
24,541
23,498
22,450
21,399
20,344
19,284
18,221
17,154
16,083
15,007
13,928
12,845
11,757
10,666
9,570
8,471
7,367
6,259
5,147
4,030
2,910
1,785
656
(477)
(1,614)
(2,756)
(3,902)
(5,052)
(6,206)
(7,365)
(8,528)
 (9,696)
(10,868)
(12,044)
(13,225)
(14,410)
(15,600)
(16,794)
(17,992)
(19,195)
(20,403)
(21,615)
(22,832)
(24,053)
(25,279)
(26,509)
(27,744)
(28,984)
(30,228)
(31,477)
(32,731)
(33,989)
(35,252)
(36,520)
(37,792)
(39,069)
(40,352)
(41,638)
(42,930)
(44,227)
(45,528)
(46,835)
(48,146)
(49,462)
(50,783)
(52,109)
(53,440)
(54,776)
(56,117)
(57,463)
(58,814)
(60,170)
(61,531)
(62,898)
(64,269)
(65,646)
(67,027)
(68,414)
(69,806)
(71,204)
(72,606)
(74,014)
(75,427)
(76,846)
(78,270)
(79,699)
(81,133)
(82,573)
(84,018)
(85,469)
(86,925)
(88,386)
(89,854)
(91,326)
(92,804)