Silver and gold would only be moderately better in the long run as compared to funds like ASB. Take for instance gold. If someone had invested in 2010 in Maybank, he would have paid about RM 131/g. The buying price now is RM 168. That's only a profit of 28% in 2 years. ASB gives out about 17% in 2 years. Silver would not fare as well as gold for sure.

i would definitely think that a bumi should always try to invest in ASB (or such) first as the returns are quite good. unfortunately, the non-bumis dont have the priviledge to buy. but, there are still many funds out there that they can buy, that can give similar if not better returns.

i am just speaking from my own experience

of course one have to be careful with gold, silver i dont have comment. while we dont even need to go into stocks. this is why gov schemes is there. some people buy because they believe the risk is acceptable to them. of course the misconception is that gov funds dont have any risks, which, may be true. but with similar risks, one may be able to get better returns elsewhere

This post has been edited by doneright: Sep 11 2012, 03:01 PM

Yup ive already maxed out the ASB. Thats why i went into gold and now considering silver.

wah so envy u

This post has been edited by doneright: Sep 11 2012, 05:07 PM

ANS3 quota for non-bumi still available? no luck in topping-up ASW..

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Added on September 12, 2012, 2:07 pm*ASN 3

This post has been edited by edministrator: Sep 12 2012, 02:07 PM

yes this fund has never been full

hey guys, want to ask, where can I withdraw my money? If i make my asb account at cimb bank, and withdraw the money at other cimb branch or even maybank can ? just need to bring the book right ? thanks

editted : will the money be in cash or they bankin inside our cimb/maybank account ??

This post has been edited by Porie: Sep 12 2012, 05:04 PM

what does he mean max out. there are more than ten thousand accounts with more than 500kRM.

it will be in cash, unless u also fill in account deposit form.

@cybermaster98

Which other PNB fund for bumis to choose beside ASB?

I want something similar like ASB, meaning easy to withdraw and buy units (i.e always available every month when you masuk gaji -->most important for me) and income tax exempt.

Thanks man,

It is all in the ASNB website Q&A section

oh.. thats weird. thought they payput 6% dividend last yr?
gonna try to put in some $ in ASN3 then. no chance to top up my ASW2020.
thanks for ur reply!

Your maximum investment in ASB is 200K. But your dividends can accumulate without a limit. But i personally know of a number of individuals who have got their max limit raised. You gotta have the right connections.

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Added on September 13, 2012, 3:19 pmIm hoping the elections would be in 2013 because for sure all PNB funds especially ASB will get good returns. Even EPF.

This post has been edited by cybermaster98: Sep 13 2012, 03:19 PM

i think max loan is 200k, no limit if put cash.

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Added on September 13, 2012, 5:04 pmASN3 comes with a sales charge of 5%. That is if, there is no price unit movement, you need at least one year dividend to offset the sales charge, only then after that you'll gain. buy using epf account, the sales charge is at 3%.

Probably this is the reason for lower attraction.

This post has been edited by whyee: Sep 13 2012, 05:04 PM

Nothing to do with loan. Max investment is 200K. After 200K investment, only your dividends can increase but u cant put in more cash.

i am a newbie here, if i bought in asn3, i will be charged 5% per unit i bought. if they are giving out 6sen to every unit this year, is that mean i only earn 1% for this first year?

what about amanah saham gemilang? is it still available?

all floating price products of PNB are comes with sales commission. It is at the ASNB website. Newbie also need to do homework

thankz cheach, is asg still available?

meaning if principal+div = 210k, then if withdraw 5k cannot put in back 5k?

No no. You CAN put the RM5k you withdrew back in but it can't be more.