How PAY a SAGA FL easily?

1.3 Standard M/T RM37,998
1.3 Standard A/T RM40,998
1.3 Executive M/T RM40,698
1.3 Executive A/T RM43,298

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Let us take the Manual for executive which cost us RM40k...
pay down payment of RM5k...
take up car loan of RM35k with 2.75% for 7 years...
each month we have to pay around RM500++
this will cost us RM6k per year!!

i always plan to let my $$ work harder for me...
so i will build a investment portfolio to pay for the monthly prepayment for my car..
same as what i planned last time for the PTPTN prepayment...

we can easily find a STOCK which pay consistent div of 8%...
example: 4 top REITs listed in bursa...one of my holding~WELLCALL pay more than 8%..
Annual dividend of RM6k by a Dividend Yield of 8% need a total of RM75k in the portfolio...

with my current portfolio...
20k as the start up of this plan...
i just have to invest RM500 into my portfolio for the rest of 5 years...
and get an average return of 15% p.a...
i will be able to get RM80k at the end of the 5th year...

for better comparison...
i will buy the SAGA FL by 2012 after i graduated and start working...
my portfolio grew 1 year dy...so left 4 years...
i pay the SAGA FL by my own salary at 1st and let the portfolio grow...
after 4 years...i can let my RM80k portfolio to pay for the car...
thats mean,i PAY the whole new SAGA FL in 4 years with monthly repayment of RM500++ ONLY!!!
does this sound good??

at that time,
i can choose to let my portfolio grow at the 15% and i pay myself....OR
i let my investment grow slower at around 7% after i took the 8% DIV out for the repayment...

i can even let the portfolio pay for my mortgage!!!
i let it grow until the annual dividend reach rm15k to rm20k...

BTW,
monthly additional capital will increase from year to year after i get promotion and other side income...
scenario 1:
same plan as above but i double up my monthly additional capital to rm1k~rm12k p.a
and let it grow ofr 10 years...i will have RM324k!!
at that time 8% div of my portfolio will give a monthly outflow of RM2.16k...
i can purchase a house worth RM360k without down-payment...
with mortgage charge 6% interest and pay for 30 years!!!
thats mean i pay the HOUSE for only 10 years!!!

scenario 2:
my wife and I earn an average of RM8k monthly for the 10 years or even 20 years...
we bought the car(repayment RM500) and house (repayment RM2.16k)
we used 33.25% of our household income...(still consider healthy in term of our finance position)
then we allocate 25% into the investment portfolio...which is 2k...
RM3.36k leftover for living expenses and other expenses should be enough to live above the water ba....
1k for all the insurances...2.36k for F&B + utilities...

then after 10 years our portfolio will have a value of RM568k!!!
8% dividend of 568k is RM45k p.a....
or RM3.8k monthly...
15 years??
value of RM 733k
20 years??
value of RM 1.5mil...

i'm 24 this year...i can be a millionaire when i'm 44 years old...
"EVERYONE can be a millionaire if you know how to plan and manage your finance"