The way i say mutual fund is bad and evil? there is no term such as mutual fund is bad, more technically. I do not invest in mutual fund which an excessive sales charge is imposed doesn't mean it a bad. Am i right?

And you can stop promote your fund privately to me or anything related in my message. Please read back your previous comment from the start you enter into this room, all your thread have a link that, if you think PNB is not worth to queue. then, please go ahead with any private companies fund, other than PNB, please behave and don't say anything outside than PNB, this thread only opened for PNB. such as, invest in public companies, taking loan and etc. The moment, you talk your fund with me, you shown that you're new to your mutual fund companies, probably you could not felt that.

Can you point out, just check your previous comment. which is people think of it, is totally invalid for PNB funds. you still don't understand, isn't. Please next time. anything not related, do not talk "crap" about it. other than that, I'm sure everyone is welcome about it. If you have any question, and would like to stop the public from looking for PNB fund and invest in private company, go make your own topic, i seem that your thread is not even about PNB, only negative as usual. I understood that investment come with pro and cons. but it seem, that you probably not investing about this fund, since you never talk about it rather than other funds outside PNB.

Your suggestion is totally not helpful, we are focusing on PNB fund, not anything not related to PNB, if you think putting money inside PNB is wrong, then go ahead put your money in other funds. can you show me which thread reply is about PNB from the first time? not even one of it.

We're sharing information, what you mean about contribution. nobody cared, we're here for exchanging information about certain topic regard our personal view. other than that, please take it out or talk it in other topic.

thank you to clarify,
I did think that way too, if we using cheque, and our cheque turn out to be something wrong, how about the units that we already purchase, they need to enter the units into our passbook.

Well, not all banks acting like that, most of it.
Probably they knew Chinese quota always full, and don't bother for that.
This fund is not bad, since compounding return and guarantee fixed funds available. Good for passive type investor. 

Yes, i do know the different and investing early. it a common basic knowledge.
And I'm sure a lot of them already invest in other option such as stocks, passive income and commodity, that including myself.
We never mentioned only invest in PNB.
These compound was found by Albert Einstein, the greatest mathematics, such as rule of 72.

Eg, let take an example, percentage of return on investment is 12.5%
72 / 12.5 = 5.76 years to double your money.

If in such case (ASB),
72 / 8 = 9 years.

Warren Buffet's secret weapon in creating fortune is through power of compounding, he manage to get an average return 24.7%, which only double his income each 2.9 years old.

That's why it important to re-invest the return for compound growth. 

I already invest la.

Yup, agree. but i personally disagree about Fixed deposit, at least it works for me. i rather put something in investment rather than fixed deposit. different people, different mindsets. Just to updated, a member of Pemodalan Nasional Berhad told me that, for Chinese subscription, they could try their luck once dividend already declared.

Anyway, for those who still dislike more risky investment, they can try this.
For the moment, all fixed unit funds already declared, the upcoming will be after 31 March, Amanah Saham Malaysia. 

I guess you're the one who do not understand,
And, there's something you need to clear off, nobody mentioned about stocks, except you. stocks is high yield return and also high growth basket that can give a return better than Amanah Saham, i do not think anyone will sell their share just because they saw Amanah Saham is applicable at that moment, except you mentioned which is totally not making any sense.

Of course, you can sell off any kind of low yield investment, such as fixed deposit and other capital guarantee fund which give low return that Amanah Saham.

My definition of investment will be,
Security, Growth and High Growth investment.

Wah.because you mentioned stocks, if you really understand the capability of your stock, i do not really think they will sell it off for amanah saham, nor me. 

Sorry, if you want to know which i'm putting then it consider private and confidential, there's tons of place to put outside, just search your own. and, I do not think you're waiting for Amanah Saham.

Do that fact concern you? Who you think you're. Just mind own business. by the way, I had replied to the thread, but closed, so don't be too happy. 
I just see a salesman from mutual fund try to cons public through forum, doneright, you seem you do not understand other people matter, it their choice not to telling you or anything. i just see that you do not respect other when people prefer not telling you anyone, that is very funny agent.

then, you should no troll a lot of rubbish and try to show you're smart, if you really smart, won't end up as a unit trust agents.

Do that fact concern you? Who you think you're. Just mind own business. by the way, I had replied to the thread, but closed, so don't be too happy. 
I just see a salesman from mutual fund try to cons public through forum, doneright, you seem you do not understand other people matter, it their choice not to telling you or anything. i just see that you do not respect other when people prefer not telling you anyone, that is very funny agent.

then, you should no troll a lot of rubbish and try to show you're smart, if you really smart, won't end up as a unit trust agents.

really, of course a portion of them do benefits from unit trusts.
Do i say, none about it. that's a matter of fact too, whether you like Amanah Saham, they still give a roughly dividend 6% above that less risky than other mutual funds.

Sorry to say, i never say you're fool. I'm sure you are the one, who say; brainless to others, when they invest Amanah Saham and topic, that seem none of the Amanah Saham case. if you need proof, just check this thread on the past.  

Then, what you expect?
your question never on Amanah Saham, just claim it too fishy or anything else. if you're not interested, then why waste your time on this thread, that's seem too fishy too. this is not the topic you can "crap" about it, as we mentioned before, but you never take for granted. 

do not waste time to go bank to top up ASM, ASW200 or AS1M for non bumi...cos bank will no do for you.

Also, if they do also will try to do for small amount - few hundreds. They will tell you finish if first time try failed. They never try second time.

Also, if you are SUPER SUPER SUPER SUPER lucky tht u can get the few hundred and if u ask them to try more. I can tell y that u will definitely cannot get after that. Cos they will ask their other officer to buy themselves rather than try for you.

If given you have savings in some FDs, will u guys move maybe 80% of it to AS-type funds? The other 20% maybe reserve for emergency, due to FD has better liquidity, easily uplift via online, flexible months of tenure.

However despite AS-type funds 'guaranteed' at rm1 per unit, is this really safe in long run? maybe rules change etc. AS funds are also not PIDM guaranteed from what i read. But of course people can say the track record for multiple decades of AS is a testament to its yearly stable dividends, with previously even better yields.

yup, i tried topping up at banks for my ASW, also received the same response, they look at the computer and say either of these:
-system down
-already filled up or finished

I have been to the banks many times to try to fill up and that is the response I get.  Some sort of discrimination at work here?

hallooooo
i managed to top up As1m units for rm50K
do online via cimb clicks
i think indian quoata now got as some indian withdraw to cleblate deepavali.
so happpyyy

most of my emergency fund placed in AS1M, that's the main reason why i opt for PNB fund (which fund that NAV is fixed).. while the money wait for my emergency case (touch wood not happen), it also help to bring back some money to me.. 

If I withdraw from ASW2020 , can I reserve the units to my friend if she is to deposit during the withdrawal ?

you don't need to and you can't because the moment you even start filling up the form to withdraw..... the small syndicates in the PNB office would have already informed another teller staff to standby to pick up your ASW2020 for their syndicate or own accounts.