I predicted that the dividend for AS1M might not be expected to be higher..

The KLCI has been dropping like no one's business...

I guess just hoping for the same 6.7% or the worse scenario 6.5% for the AS1M dividend...

my prediction will be 6.30 - 6.50

I don't think you can be lucky for more than 3 decades and 2 major economic crisis yet still be consistently providing returns that beat most estimates and/or benchmarks

Hold and ride it out. Unit trusts are long term investment which averages out the ups and downs over time. Besides, the value of your investment is still the same, RM1. So you just lose out dividends for a year or so but your value is still the same. Which other unit trust product gives you that? Heck as I've mentioned earlier, some UT products had negative returns during the 2008 financial crash.

If you're afraid if a catastrophic market crash than run towards FD or MGS but neither give you returns that come close to even 4% that you're so worried about

There's always possibilities in both good and bad times in the economy. We should by now realize that economics up an downs are just cycles which can trigger due to many factors that are beyond our control.

If an when the next economic downturn comes, the warning signs have come early enough for us to make preparations. As the Oracle from Omaha says, maybe it's time for us to be greedy when everyone is fearful?

Case in point: if anyone bought MAS shares after it did its stock split exercise or even you bought it less than 3 weeks ago, you could have made 9 cents profit just last week

Or a more relevant example regarding this thread; if those ppl ignored the early sentiment regarding as1m, they would be very happy now because they were greedy when so many were fearful

I like the quote.  Those invested "big amount" would be laughing all the way to the bank 

my prediction will be 6.30 - 6.50

Last year 6.60%
Dis year I predict 6.70%

Last year 6.60%
Dis year I predict 6.70%

my prediction will be 6.30 - 6.50

Any non-bumi here managed to get some AS1M or ASW2020 units through the investment through the EPF?

I am planning to try to use my KWSP to buy some AS1M units through EPF..

For ASW2020, really not so applicable for me because i do not have the account for ASW2020...

as long as it is above BLR rate - 1.65%, i'd be safe 

U r taking financing to buy AS1M?
Mind to share which Banks?

i'm leveraging my ASB units

transferrinf my ASB units to AS1M to offset the ASB financing interest charges and still can leverage an additional 1.6 - 1.9%

Perhaps they can reduce the management fees from 1% to 0.75% or 0.50%  during bad times
This will sustain d dividend @ 6%

I thought non Bumi AS1M sold out 

Personally I doubt that they'll do that. Unlike PNB's variable priced funds, its fixed priced funds do not charge any sales charges which means that the management fees are its only income. Nothing is free in this world unfortunately hehehe

ASB pays higher div than AS1M
Mind to share how yo leveraging works as I dun understand

i'm now seriously contemplating to port all money from ASB to AS1M (hopefully still available) and do a full ASB loan (up to 400k)

still doing some simulations and will consider the best tenure period and loan amount needed

by my rough calculations,

1. loan interest rate: BLR (6.6%) - 1.65% = 4.95%
2. ASBRTA - ASB reducing term assurance = RM 1,200 per 100k loan (assumption)
3. effective interest rate (include ASBRTA) = 5.15% (assume the ASBRTA takes another 0.2% interest)

ASB Dividend: 7.75% (2012)
AS1M Dividend: 6.6% (2012)

Nett return: 7.75% + 6.6% - 5.15% = 9.2%

that is 9.2% - 7.75% = 1.45% more than what ASB alone can generate

that is EXCLUSIVE of ASB bonus...