Taking on debt to invest is like holding a ticking time bomb. Investments like Amanah Saham, EPF offer you returns of between 4-7%( a year. Your personal loan or credit card debt interest rates are around 10% to 18% *Source: click here). You are very unlikely to make enough returns from your investment to pay back your debt! And, if you can’t pay back your debt, you’ll end up in a cycle of debt which leaves you in a worse financial situation than you were in before you started investing. So don’t make yourself worse off!

DO NOT PUT YOURSELF IN THIS SITUATION!