Of course i agree that it is best to leave it and enjoy the compounding effects. But when given a choice of spending it or using the dividen (or you have another solution for it) , which is a better as per popice2u enquiry.

Silkysilk,

Then why you give a scenario to support your explanations. It is still not your choice afterall, so you think that my feedback got problem which is not suitable, isn't. you got a problem with that. Really, I didn't saw that you mentioned it is good to received compounding effects for investment just now,can you give show me your explanation which phrase you did mentioned compounding effect, You just encourage re-invest dividend to be withdraw to cover for amortization because it a property. do you.

This post has been edited by adolph: May 25 2013, 10:51 PM

apartment will only be ready in 2016.
question is should
1) i put all rm200k in asb and forget abt the property
2) down payment rm100k, loan 10 yrs for the balance, rm100k in asb or
3) use rm200k for the apartment

hi...how do u get 200k in ASB ? Do u take any ASB loan ?
lets me share my story....
last year i just bought under construction apartment cost rm135K in setia alam,
but facing difficulty to get a good housing loan (good blr and sum of loan) and
i end up by using personal loan by BSN (interest 3.88 fixed) for 20 years for loan amount 200K,
luckily in eligible for the loan
due to the apartment is still under construction i just put 100K in ASB while waiting progress payment ,
the rest of money i do full settlement for car and ptptn...some in fixed deposit,,sspn,, buy dinar, kijang emas,...
and i already got around 1k of dividend from ASB (i just put the money on October onward),
and every 3 months enjoy the dividend from fixed deposit..
if your government servant i advise u to take the personal loan from bank rakyat or bsn...
http://www.bankrakyat.com.my/web/guest/asl...BF745116DB1927B

i no take asb loan. mmg ada rm200k cash. also not government servant.

In that case , go for asb...

How much you paid monthly for this loan?
I saved up rm1500 monthly, if I continue this way for 10 years, I'll get my first rm230k, with the dividends untouched.

Should I take up the loan? It will affect my chances to get the housing loan eh?

if put rm200k in asb how much with i get for the interest yearly (average)

Popice2u,

For new investor within 10 years, bonus will be excluded. Average total return is 7.50 distribution yield. Eg, $200,000 x 0.075 = $15,000 assuming it not pro-rated and invest for 365 days without withdrawals. After ten years, you do the calculation based 8.50 distribution based on the past performance.

Info,
http://1-million-dollar-blog.com/dividends...ham-bumiputera/

This post has been edited by adolph: May 26 2013, 06:18 PM

for easy calculation sake

if pnb declares asb dividend of 7.5 and 1.25 bonus for 10 years straight and u hv 200k untouched. u will get 15k plus 250 for bonus for the first year.

for second year onward u will get more from the compounding effect i.e your devidend will be calculated on 215250.

and u will get the additional bonus each year by 250 + 250+250 till the 10 th year. after which u will get the full declared div i.e if pnb declares 7.5 div and 1.5 bonus. u can now combine these two 7.5 + 1.5 = 9

hope this helps

thks guy. so to have rm3.75k mthly i need to put rm600k in asb (in 3 different account). got to start saving.......

ASB investment is a no brainer, the best risk free investment in the world.

Masami,

Gosh, who tell you that for the first year onward will be able to get the dividend without having to invest 10 years. EVen Tabung Haji know this calculation very well and all bankers under agent known the fact too. Only some financial advisor, or banker who sell product mentioned to the public within 1 year onward since declare dividend will be eligible for bonus entitlement in order to achieve their target and commission. So, you're trying to say banks information about the fact bonus will be entitled for 10 year above is wrong and you're right in this matter. Easy by using bonus dividend to do the calculation on first year?

Info,
"Bonus dividend only for those who have been saving for at least 10 years"
http://www.irwan.my/how-to-calculate-asb-dividend-and-bonus/
http://www.nadlique.com/index.php/2007/12/...ividends-bonus/

This post has been edited by adolph: May 26 2013, 10:02 PM

yes u can get the bonus as i mentioned above but not all..tht is why i put it at 250 not 2500.

in the above scenario he will get 250 for the first year 500 for the second 750 for the third..you get the drift

meaning in the first year u will get 1/10..second 2/10..on the tenth year u will get the full bonus of 2500.

my acc is the evident.

Masami,

Oh really, even Pemodalan Nasional Berhad admit at least 10 year above. Pathetic, your evident did not shown anything rather than an accounts with nothing. So, you're smarter than Pemodalan Nasional Berhad staffs who known everything, isn't. How funny. How come it $250 with what principle amounts? average with what, since bonus is not fixed while you claimed $250 with no exact formula from PNB. That not explain anything rather than you can't calculate because of dividend re-invest, then why it 1/10 from your speculation while it declare 1.5 bonus as example. Your accounts, or Pemodalan Nasional Berhad send you a proofs to support your documents, or nothing rather than you think it is really have . What you want to say more, please don't talk something you you think that have no proof from banks or Pemodalan Nasional Berhad. Your investment book

This post has been edited by adolph: May 27 2013, 12:09 AM

i think i've made myself clear in the previous post that the bonus of 250 is derived from the imaginary declared bonus of 1.25 for 10 years for easy calculation. based on 200k.

i suspect that u were too eager to prove me wrong that u decided to ignore my point or maybe im not good at illustrating but my point is..u will still get bonus on yr first year but not full. u will only get 1/10 of the bonus. not full.

look..im here to help not to mislead people with info im not sure of. and im 100% sure on this.

but i bet u will still brush me off. but im sure later when u finally know how bonus is calculated than only u say damn..he was right all along haha.

ps. i think u misunderstood pnb statement about the bonus. please clarify with them on this by asking whether u will get bonus or not on your first year. im sure they say yes..tapi sikit je incik sbb dia kira untuk 10 tahun i.e 120 bulan. ini cara kami reward customer yg loyal. owh fyi even if one month also u will get the bonus too.

This post has been edited by masami: May 27 2013, 12:56 AM

Masami,

Oh really, $250 for 1.25 bonus entitlement based on 200,000 for first year. That's very nice calculation and no brainer, without proof still talking something which cannot be explained by calculation nor any formula available. Yet, still claimed it royal bonus which is kinda ridiculous and still say bullshit without statement. By the way, Bank and Pemodalan Nasional Berhad already convince that it is not available. Even all agents received e-mail for it for bankers under agents by using Microsoft Outlook. It only small portion from re-invest amouts, they really told you, isn't. without statement and formula, sound like financial advisors in the public nowaday. You suspect always remain suspect while you think all the ways till today still saying the same thing, numbers and fact statement do not lie.

Your point of course, could be ignore without formula from right parties, you think I'm fool just just like majority insurance agents under corporation with valid license claimed the insurance is good profits just by talking without evidence or tellers from corporation, most of them without proper knowledge even applied to banks. Please give a link or statement to support your explaination, this is civilized world, not living your puppet worlds by just simply believing without numbers or statement authorization neither past performance results. You should go back to your school, I heard that "kami reward customer yg loyal" previously because mostly, they want to ignore the question from customers after I clarify with the HQ.

This post has been edited by adolph: May 27 2013, 01:31 AM

wow seriously dude??
civilized world ? i was merely telling the truth ask and asking you to verify with pnb..but u choose to ignore because u can never be wrong.

ok lets put in the numbers
200k x 7.5 = 15000 div
200k x 1.25 = 2500 no u dont get this 2500
what u will get is 2500/10 = 250 this is because u just get 1/10 of the bonus on yr fist year.
so if you put in 200k for a year and the declared devident are 7.5 and 1.25 you will get 15000 + 250= 15250.

this is my passbook. i bet ull say this is photocopped



Attached thumbnail(s)

ok let me explaine on the above
as u can see

i put in 200k on 25 july so devidend will not be calculated on tht month. it has to be there since the biginning i.e on 1st july till 31 july for me to get the devident.

so, my 200k will attract div and bonus for 5 month only.

so the calculation is like this

200k x 7.65/100= 15300
15300/12 = 1275
1275 x 5 = 6375

bonus
200k x 1.15/100= 2300
2300/10 = 230
230/12 = 19.16
19.16 x 5 = 95.83

please lower ur tone..its irritating really...

i reread ur previous statement again..wow u sir seriously need anger mangement therapy..it seems that u hv issues with me. it can be civilized as u put it. but look at you.. throwing tirade all over ur comments. if you dont agree. or maybe my explaination is no good then please tell me nicely. dont just brushh me off yet.

now tht i ve proven my calculation with evident..i dont know what will u accuse me after this..

This post has been edited by masami: May 27 2013, 08:57 AM

Masami,

And again to make it short this time, if you want to support your statement which your bonus is given in 1st year. You should at least provide a link as an evidence. Even PNB never declared such statement nor it public it about these facts, banks never received these news from my info. you don't expect me to believe something that people just simply believe without facts. aren't. It sorts like in the situation which explain to the police without evidence with words, nobody gonna to believe it for sure. Your evidence once again, is worthless, calculation without evidence. It just funny when people saying I'm accusing you while I never did because that's the fact. All i want is links, or formula, not this. Everyone can do that with simple mathamatic, do you understand now.

All is facts and written by number from PNB, not by other people who claimed it right or wrong. It's it much more simple by provide a link from other source then it consider done rather than talking so long without nothing rather than a "junk" calculation. Till now, you still saying the same thing over and over again with no evidence. Especially, why it declared 1/10 bonus distribution yield which you say it is available. And, about my atitude, that's not your concerns. So, please provide a link or source next time to support your documents and not a simple like that, I do not believe people words especially without documents.

This post has been edited by adolph: May 27 2013, 10:37 AM