adolph,

where is your fact to support your statement "For new investor within 10 years, bonus will be excluded." ?

This is absolutely not true and i am sure many others here who also have ASB can support what i just say.


You need to refer to his post again on how he came up with only RM250. Not the best calculation but you get the idea he was trying to convey...


Actually he kinda already did.


Can anyone please confirm this ? Can't check mine as i lost my first ASB passbook and the replacement passbook i have only has records as far as 2011. The only thing i am very sure is that no bonus will be given to investor of less than 10 years is definitely not true.

On a different note, please do not get hostile towards a fellow user here. We're here to gather and exchange information. So kindly refrain from using word like bullshit.

This post has been edited by MilesAndMore: May 27 2013, 11:28 AM

ok..i admit i suck at conveying my message. but tot i did give my not so perfect calculation above

devident declared for year 2011 is 7.65
bonus is 1.25 hence the number.

bonus is calculated tht way
first year u will get 1/10 second 2/10..until the tenth year u get 10/10 hence the full bonus.

i did provide my passbook for reference and it tallies with my calculation.

but u choose to harp on pnb this pnb that...no they didnt say that..thts why i said u mustve misundertood it. what they said was u will only get full bonus if uve invested it for 10 years. so if it only ur first year ot is prorated

im done trying..really.
cheers

Masami,

That's what I mean, I need a clarification in the form of documents links, or something similary stated from PNB since we don't received the message about this too. It depend fully on the letter, and how the letter convey the message and that's how to send the message to the public. Since even member of corporation members can convey wrong message, that applied to customer services. So, to make thing simple, everything must come with write-in on behave for someone. your reference only come in the form of calculation without attachment.

I heard the pro-rated previously, but some say yes, some say no while not all of the investors could received it from news outside heresay. then, I will do follow the procedure that given from authority rather than mistake. Please provide links or supporting documents on next thread in future. Have a nice day.

This post has been edited by adolph: May 27 2013, 12:51 PM

MilesAndMore,

The answer is no. It not come in the form of signature documents from PNB. Maybe I mistakenly convey the message at the first place. Whether bonus be given to investor, I will just applied the actual forms which given by authority for 10 year invest. since up until now, nobody can clarify this in the form of letters but only words until further notice or news from PNB whether it applicable or not, hope this will help about it.

This post has been edited by adolph: May 27 2013, 12:58 PM

mr. adolph

first and foremost. when i presented u with the calculation i presumed u were atleast aware of how devidend and bonus are calculated since u sounded u were well versed in asb. tht was why i put it like tht.

even if u doubted my calculation. at least try to do the calculation first. as i said i did the calculation based on my limited mathematics but i managed to get the figure correct till the decimal point.

unfortunately i cannot get u the letter from pnb where it teaches us how to calculate bonus. i dont think u can find it anywhere. but they did provide the formula like taken from this very blog that u mentioned earlier. but do u even read??

Bonus is given to minimum monthly bonus for the past 10 years (120 months).
Bonus will be most beneficial to those who have been saving for at least 10
years. Let’s say ASB bonus is 2% this year.To calculate Bonus:
monthly bonus = 0.02/120 x minimum monthly balance
When i said monthly balance, it is not this year’s months only, but including the
months’ from the past 10 years.
this year bonus = sums of monthly bonus for the past 120 months
Example: Let’s say that you just invest for 4 years (48 months) and your average
monthly balance for the past 48 months is $1000. So the bonus will be 48 x
( 0.02/120 x 1000) = $8
So that’s how to calculate the bonus and dividend for ASB. Any correction and
question please put in the comment section below. t
Update: Automatic calculator is available here http://www.irwan.biz/asb-
calculator-v3/

but i guess u wont be satisfied with this formula as there was no direct link from pnb. am i right??

if u scroll back. i was not wrong to say tht u r only interested in proving me wrong.

for others i hope u can try calculate with the given formula. or better still refer to the attachment of my passbook for reference

lastly for those who is still confused whether u'll get bonus for the first year. my answer is YES. and i stand corrected.

cheers

Masami,

The link could not be opened. Whether it right or wrong, without anyone clarify from any reliable source. I would not take thing to granted, and it getting boring to read all your message once more since it a same things, not even I finished it. Yet, tried to explained it again. Well, you keep on your believe, while I keep mine, that's no right or wrong until further notice. Not because I'm ignore it, but mainly because I don't believe anyone without proper clarification from right parties. Without proof, please don't reply me an answer or I will get pissed off, simple as that. that's me. Have a nice day.

This post has been edited by adolph: May 27 2013, 03:35 PM

i see tht coming..haha nevermind then. igorant is a bliss as they say eh?

owh, funnily i just notice that the quotation above is the exact content from this link http://www.irwan.my/how-to-calculate-asb-dividend-and-bonus/ that you hv posted earlier to defend yr point. but it actually agrees with me.

another one

eddyirwan.blogspot.com/2012/02/cara-pengiraan-asb.html?m=1

Daripada: < asnbcare@pnb.com.my >
Tarikh: 2008 Disember 16 12:03
Subjek: Re: Fw: Dividen ASB
Kepada: Eddy Irwan Bin Mahamad < eddyirwan@gmail.com >
En. Eddy
Kami dengan hormatnya merujuk kepada email tuan mengenai perkara di atas.
Terlebih dahulu, kami ingin mengucapkan ribuan terima kasih kerana tuan
memilih unit amanah ASNB yang diuruskan oleh Kumpulan PNB melalui anak
syarikatnya, Amanah Saham Nasional Berhad (ASNB), sebagai instrumen
pelaburan tuan.
Kadar pengagihan pendapatan dan bonus ASB yang diumumkan bagi tahun
berakhir 2008 adalah seperti berikut:-
Pengagihan Pendapatan 7%
Bonus 1.75%
Berikut adalah dinyatakan cara pengiraan pengagihan pendapatan dan
bonus ASB untuk makluman tuan.
(a) Pengagihan Pendapatan
Pengiraan pengagihan pendapatan adalah berdasarkan kepada baki
terendah pada setiap bulan untuk jangkamasa 12 bulan ataupun
setahun. Untuk mendapat pengagihan pendapatan penuh pada bulan
tersebut, pelaburan tambahan mestilah dilakukan pada 01 haribulan
pada bulan tersebut dan dikekalkan sehingga hujung bulan. Sekiranya
pelaburan tambahan dilakukan selepas tarikh tersebut, perolehan
pengagihan pendapatan hanya akan dikira untuk bulan ke hadapannya.
Contoh pengiraan pengagihan pendapatan bagi tahun berakhir 2008:-
Jumlah *BMB dari bulan Januari 2008 hingga Disember 2008 x KADAR
12 Bulan
* BMB adalah Baki Minimum Bulanan dan merujuk kepada baki yang terendah
di antara 1hb hingga hujung bulan bagi setiap bulan
* Baki minimum bagi setiap bulan akan ditentukan terlebih dahulu mulai
Januari, 2008 sehingga Disember, 2008 (12 bulan).
* Baki-baki minimum tersebut akan dicampurkan kesemuanya dan dibahagi
dengan 12 (jumlah bulan dalam setahun) bagi mendapatkan purata baki
minimum
tahunan.
* Purata baki minimum tahunan yang diperolehi akan didarabkan dengan
kadar pengagihan pendapatan yang diisytiharkan.
(b) Bonus
Pengiraan bonus pula adalah berdasarkan kepada purata baki terendah
bulanan untuk jangkamasa 10 tahun ataupun 120 bulan terdahulu.
Contoh pengiraan bonus bagi tahun berakhir 2008 :-
Jumlah *BMB dari bulan Januari 1999 hingga Disember 2008 X KADAR
120 Bulan
* BMB adalah Baki Minimun Bulanan dan merujuk kepada baki yang terendah
di antara 1hb hingga hujung bulan bagi setiap bulan
* Baki minimum bulanan selama 10 tahun bermula dari Januari 1999 hingga
Disember 2008 (120 bulan) dicampurkan kesemuanya dan dibahagikan
dengan
120 bagi mendapatkan purata baki minimum untuk tempoh 10 tahun.
* Purata baki minimum 10 tahun yang diperolehi didarabkan dengan kadar
bonus yang diisytiharkan.
Sekiranya tuan memerlukan sebarang maklumat atau penerangan lanjut, sila
hubungi kami di Jabatan Perhubungan Pelanggan dan Ejen, Ibu Pejabat ASNB,
Kuala Lumpur melalui talian telefon 03-2057 3000/2057 3111 atau mana-
mana Pejabat ASNB yang berdekatan atau layari laman web kami
di www.asnb.com.my .
Sekian, terima kasih.
Amanah Saham Nasional Berhad
201-A Jalan Tun Razak
50400 Kuala Lumpur
Tel : 03-2057 3000 / 2057 3111
Fax: 03-20505220


cheers

This post has been edited by masami: May 27 2013, 05:54 PM

Masami,

Thank you for your information. Finally, it reveal with better information. Now, it's better to provide link, isn't. The fact is the point where I could used to defence my rights when certain party sue me against agreement. Please don't mind with my mindset, because that's salesman mindset especially business or accounting people within small portion of them, maybe for me. Cheers

This post has been edited by adolph: May 27 2013, 08:18 PM

-

This post has been edited by silkysilk: May 27 2013, 08:42 PM

This calculation is simplified, but its close enough. Of course its clearly mention "for easy calculation sake".

If you want details,
Assumption

On 30 December 2011, you open an ASB account and put in 200k.

ASB declare 7.5 sen per unit dividend and 1.25 sen per unit dividend for its financial year ended 31 December 2012.

Your dividend would be.

Baki minima bulanan
Jan 2012 -RM200k
Feb 2012 -RM200k
.
.
Dec 2012 -RM200k
Total - RM2,400k

The above divide by 12 = RM200k
times 7.5 sen = RM15,000

Don't believe, read as someone cut and paste below.
Baki-baki minimum tersebut akan dicampurkan kesemuanya dan dibahagi
dengan 12 (jumlah bulan dalam setahun) bagi mendapatkan purata baki
minimum
tahunan.
* Purata baki minimum tahunan yang diperolehi akan didarabkan dengan
kadar pengagihan pendapatan yang diisytiharkan.

Bonus:

Baki minima bulanan
Jan 2003 -RM 0
Feb 2003 - RM 0
.
.
.
Dec 2011 - RM 0
Jan 2012 -RM200k
Feb 2012 -RM200k
.
.
Dec 2012 -RM200k
Total - RM2,400k


The above divide by 120 = RM20k
times 1.25 sen = RM250

Baki minimum bulanan selama 10 tahun bermula dari Januari 1999 hingga
Disember 2008 (120 bulan) dicampurkan kesemuanya dan dibahagikan
dengan
120 bagi mendapatkan purata baki minimum untuk tempoh 10 tahun.
* Purata baki minimum 10 tahun yang diperolehi didarabkan dengan kadar
bonus yang diisytiharkan.

Sources not reliable enough?
http://www.asnb.com.my/news/asb_pendapatan2012.htm

Pengiraan pengagihan pendapatan ini adalah berdasarkan purata baki pegangan minimum bulanan bagi tempoh pelaburan sepanjang tahun kewangan ASB yang berakhir pada 31 Disember 2012. Pengiraan bonus pula dibuat berdasarkan kepada purata baki pegangan minimum bulanan yang dimiliki pelabur dalam tempoh 10 tahun bermula dari 2003 sehingga 2012.

So, yes masami your estimation is correct.

This post has been edited by vergas: May 28 2013, 02:14 PM

Tried to find out whether Sukuk 1M'sia will be terminated this Jun (end of 3 years) but BNM has not replied to my query. If you know, please share.

With the mega $$$ they spent for GE13, wonder if they still have spare cash to pay back to all S1M subscribers.

Cheerio.

I don't see any issues in paying us the capital... just that the Govt gets more debt on their plate only.

hi all ,
does ASN fund help u increase your housing loan amount??
i know FD does help

Benlaw,

If you are referring to the amount of housing loan, such as better approval rate. ASN is under investment company, because it fluactuate but have no actual idea whether it could be uses but for your information, public bank could accept unit trust funds as an extra documents. There are some local banks that accept ASB as extra documents such as maybank berhad. For our bank, it is not acceptable.

This post has been edited by adolph: May 30 2013, 11:07 PM

my fren ask me now that all the fixed amanah sold out what is the next fund to invest.....asg or asn3?

Popice2u,

It depend your risk appetite, a good investment doesn't mean it suitable for you.

asd also sold out.....

quota-wise asd is the most hard to get considering its limited shares...bumi can chase them during the dvd taking season

Dividend lah