Thanks boss.

These are Government Bonds. They are low risk, but does not mean no risk, You may need to consider the following criteria before going into it

1. Return on Investment, is it enough to cover the inflation? Normally Bond yielding lower than inflation.
2. Target tenure ,normally bond is more than 5 years.
3. Government Risk. Change of goverment etc,
4. underlying assets for the bond,

I am banker as well, 10 years experience and focusing more on Business Loan, Housing Loan, Business Premises Financing, Project Loan. Contacable at 010 5466531 or email : jcming18@gmail.com


Business Card and Business loan are good for business owner as it will not expose your individual lending exposure, and ease for auditing.

Offering the following services
Collateral Business loan
Non- collateral Business loan.
Mortgage Loan for new project and sub-sales.
Business Credit card merchant terminal.

Wintersun,

I'm members and bankers from RHB groups. so, you should know where i get the answer already.

This post has been edited by adolph: Mar 22 2013, 10:22 PM

U r reply to who? As i know Amanah saham not period tied so no need 5 yrs Then the government risk im afraid u think the coming GE will affect the dividen yield to go down if PR take over?

oic.. i tot is available to public liao.. thnx for the early tips

It is believed that Sovereign Bond has its own risk, But, if we have words from the back stage... then its different story

News,

As on this 31 March 2013,
# ASG Pendidikan = 7.10 per units
# ASG Kesihatan = 7.20 per units
# ASG Persaraan = 7.30 per units

The income distribution will be distribute based on net asset value on every 31 March of the year.


Info,
http://www.asnb.com.my/news/asg_pendapatan2013.htm

Hi sifus out there,

may i know which amanah saham is more prefer by chinese?

thinking to get but have no idea

This post has been edited by SpeechLess11: Mar 27 2013, 10:36 AM

ASW, AS1M and ASN. Quota might be an issue though

Highest in ASG history. If I load my units last December I still get the 7.2 distribution right?

I just check at their website and found out the return is 6% or more for this 3 years. Seem like quite promising. Normally you guy just go to the asnb to buy the unit? and how to check for the quota?

6% is the lowest in the history. They have paid more than that since 1990s, since ASW2020 was launched.

even for Bumi, ASW2020, ASM, ASD are fully subscribed by Bumi, now only left AS1M available for Bumi.

Wintersun,

Do you mean by last year, if that is your answer. However, I had to say that it will be pro-rated because you're not investing it for 12 months, just like you're saving it in fixed deposit. Yes, you will receive 0.072 dividend but will be deduct and pro-rated by remaining months.

SpeechLess11,

Based on your last replied, it shown that you're Chinese. For fixed funds, all Chinese already grabbed by existing investors and yet, fully subscribed until existing investors sell off their units, then it can be taken by other investors, only Amanah Saham Gemilang (ASG) and Amanah Saham Nasional 3 is available not a variable fund prices, depend funds performance totally. For more info, please check the main website from ASNB.

Aiks.. means its work like FD and pro rated my dividen not work like mutual fund? Means haf to put in all money at beginning of fund fiscal year to enjoythe full dividen la..

cant play like mutual fund when price low only buy

They shud make it like mutual fund so investor can follow the price and in watevr time they like and still get full dividen based on remaining unit

Wintersun,

It is almost alike mutual funds, only you do not fully understand the true about it. In the world of investing, buy low and sell high is one of the most inexperience way to invest, it won't going to work forever, it is also known as flipper. only salesman without real experience will advice on that particular ways for clients to invest their penny money. At the end, everything is burns.

This post has been edited by adolph: Mar 27 2013, 10:35 PM

Ya i really dun understand plz advice.

First how can say that buy low sell high is inexperience? If u can tell the future, any reason u not want to buy slow sell high? Thats something impossible to do cos u dunno when will be low. Very interesting to see why u say inexperience.

Then u say almost like mutual fund. SHouldnt it be more like FD cos need to put 1 full year to really enjoy the full dividen. Let say I masuk 100 unit at RM1 per unit at December. So now dividen declare 7 sen means the actual dividen I get is not 7 sen per unit but 9/12*7sen?

Wintersun,

Do you think mutual fund performance are effected by buying low and selling high, and do the real long term investor like to switch fund and focus on short terms? if you don't know the fund performance, then it consider gambling. Isn't it almost alike such as buying 4D sportstoto and wishes to get the prizes since you don't understand how to get a good investment but only depend solely by focusing on buying low price, expecting sell high, you may get your lucks and strike a good return for a few times but if you keep sell off your units, 10 times a year, that is 100 times in ten year. do you think you can strike a good lucks for this 100 times with your good luck, isn't it more risky. Do you think market is rational by investors, it always caused by fear and greed over market speculation. If you're asking a way how to know a good investment, i won't reveal it since it my private. For calculation, please download as below and just follow the calculation, please do not spoon feed.

Info,
http://www.asnb.com.my/ASG%20interim%202012.pdf

Lucky, manage to top up RM 3k on monday.

Desmond fantasy,


Which fund you are referring to, for the successful invested amount?