ASB financing loan worth it or just invest cash slowly?

I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats your loan interest. In good years dividend was 6-7% and my loan around 4-5%, so I profited the spread. BUT dividends have trended down over the years while loan rates can rise with OPR, so the margin is thinner now than before. Key things I learned: only take an ASB loan if you can comfortably pay the monthly instalment from your salary even if dividend is low that year, dont rely on the dividend to service the loan. Treat it as forced long term savings with mild leverage, not a get rich scheme. It is low risk (ASB capital guaranteed, Bumiputera fund) so safer than most leveraged plays. Over 8 years I am net positive but it was not the jackpot the bank salesperson painted. Read the loan terms, watch the interest rate type, and dont overextend.