[quote=adolph,Nov 7 2012, 11:37 AM]
When subscription is available, mean when existing holder sell off their units, then you're eligible. In such case, I do not recommend you to go bank, most likely they will not open an account for you nor even bother to check these units, they need to key in all your info then will know the result, simply check via their system is not applicable.
Or simply wait Pemodalan Nasional Berhad announce fund size increment in billion, these news can be found through newspaper but likelihood, the percentage is low and rare.
Another option would be wait till dividend declare once per year, then rush into the banks to try luck, a number of existing holders will withdraw their dividend to enjoy the fruitful result, but still the ratio is low.

If want the simply way, covert yourself to islam then you will be eligible such as Amanah saham bumiputera (ASB) and Amanah Saham Didik (ASD).

Thats right! The bank staff wont serve us even if there is unite left also they so no coz they don wan to do extra job.

[quote=wenching87,Nov 7 2012, 06:16 PM]
[quote=adolph,Nov 7 2012, 11:37 AM]
When subscription is available, mean when existing holder sell off their units, then you're eligible. In such case, I do not recommend you to go bank, most likely they will not open an account for you nor even bother to check these units, they need to key in all your info then will know the result, simply check via their system is not applicable.
Or simply wait Pemodalan Nasional Berhad announce fund size increment in billion, these news can be found through newspaper but likelihood, the percentage is low and rare.
Another option would be wait till dividend declare once per year, then rush into the banks to try luck, a number of existing holders will withdraw their dividend to enjoy the fruitful result, but still the ratio is low.

If want the simply way, covert yourself to islam then you will be eligible such as Amanah saham bumiputera (ASB) and Amanah Saham Didik (ASD).

Thats right! The bank staff wont serve us even if there is unite left also they so no coz they don wan to do extra job.

[/quote]


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.

just sharing my experience
in my hometown, i have known about many uncles putting huge sum of money with bank staff, the orders were to deposit in these amanah saham etc should there be any units available. in turn, these bank staff get some duit kopi or commission. i believe this happens in the whole country. surely this is illegal.

now have to ask these questions

who gets to get units? - depend on the bank staff, who she/he prefer. possibly based on his/her own list of priorities. who pays more is ahead in the queue
how long to wait? - as long as until there is units. now the next question is, how often? may take months, years...
is the banker trustworthy? - now one may not know what the bank staff do with this money. a smart person will just use this free fund to invest and take the returns for himself. who knows? and thes uncles 'invest' their money with 0% return, the bank staff smiling all the way.

should these so called investors go for something else?
the general answer that these people can give you is, no. these amanah saham are gov saham and are difficult to get. they give good returns and worth the wait.

but is this the reality? i bet many just do this because they know nothing about investing. like you mentioned, the power of compounding is great, but are you aware that the power of compounding is greatest when time is at their side?



as you can see from the chart above, its better to start early with a small sum than to start later with a big sum. notice the total years of contribution as well?

what my personal advice to amanah saham would be investors to keep an eye on other options.

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.

indeed you are absolutely correct. but if no investment then also mean no compounding

I already invest la.

i mean those waiting for units in amanah saham
dun wait too long or commit too much fund in waiting. at least must sit in FD if one really want to wait for units

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.

the reason why i suggest FD is because its most easy to liquidate. like you may already suggested, units in amanah saham will be gone like hot cake. if one prefer to put in stocks, can you sell off in time and buy available amanah saham units? for this purpose, at least what i can think of, you have to have liquidity and worth converting.

what are other kinds of investment that is liquid enough and worth sacrificing to go to amanah saham? mind share?

hi guys, may i know... other than ASB... which other amanah saham by asnb are capital guaranteed?

I guess you're the one who do not understand, I'm making an option for them who still want Amanah Saham, not to remove their hope. anyproblem for people who still prefer them rather than other investment.
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 than Amanah Saham.

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

This post has been edited by adolph: Nov 8 2012, 03:17 PM

forgive me then because i just take an example. you are very careful in examining every single word i say, rather than to read in between the lines and get my message

do you mind sharing what type of investment is worth putting in while waiting to strike when amanah saham got opening? keen to learn

This post has been edited by doneright: Nov 8 2012, 03:19 PM

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.

This post has been edited by adolph: Nov 8 2012, 04:05 PM

indeed someone would think its foolish to sell off stocks for amanah saham. but this is a general statement. if timing, purpose, opportunity is right, it still can happen. its up to the individual

you dont need to tell me exactly which. private and confidential? unless you are selling fish at the fish market, sharing your so called private and confidential 'knowledge' surely wont hurt doesnt it? and i thought you are in this forum to share your vast knowledge?

and of course i am not waiting for amanah saham. i have been earning better returns other sources.

are you waiting?

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.

in case you realize, you have upmost prejudice for unit trust advisors. your vision is blurred and you make biased statements, some of which are baseless that cannot be backed by any fact

you dont need to call me any names. i personally know a lot of people who have benefited from unit trusts. others can testify if they are wiling to

i never claim i am smart. if my info sharing is beneficial, then readers can take it. if not, can leave it. forumers here are smart enough. you dont need to call me a fool. they can see with their own eyes

by the way brother, be careful of what you say... dont mislead readers here

so you claim unit trust agents are stupid eh?


please share more of your knowledge, because you are the smartest

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.

Should i put a wisdom of word about ; your saying about other > brainless <, who the one felt very sure can convince other about your fund, should remember your statement.
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.

This post has been edited by adolph: Nov 8 2012, 11:01 PM

is this adolph or someonbe else again? why the english is so different?

by the way dont keep saying A then say B. you said it then admit you said it.

this is not the place to argue like this. i should stop entertaining this 22 year old impulsive kid

This post has been edited by doneright: Nov 8 2012, 05:14 PM

I do not mislead any reader, in fact, i gave opinion based on the Amanah Saham, not like you, not even about Amanah Saham, but only try to debate about Amanah Saham.
Sorry, if you want to prove I did say that, please bring some possible fact.
I'm just saying, these agent are people who sell their fund from their companies. And most of them, will advice investment is risky, and return not good, trying to pursue majority to invest in their funds.


Do i say, I'm the smartest? i guess, answer is negative.
If you don't invest in Amanah Saham, and would like to cons people into more risky investment, then go make your own topic, not troll "crap" from the beginning when you're here.

Sorry to say that, you never will sell any fund to me , if you say never trying to promote, my personal message can show your message, which try to cons me into mutual funds

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Added on November 8, 2012, 5:25 pmMy pardon,
I guess you never received education, that's very good, twenty two year old, you still call them, kid? do you know what ages, is consider kids.
that why you try to cons me, because of my age.
Grow up, and please behave, there's no saying, a younger are way not good as older.

you think i'm different? then, if the fact you're male, then i think you're female, is that fine. troll. I just try to give more better explanation, since you say i'm somebody else.

well, i admit what i'm saying, but please open your eyes, this is PNB fund, not try to cons people into mutual funds. So, where your signature of your great company.

Entertaining of a kid? Let me see, who the one began to message me privately, trying to cons me. I never entertain you, you're the one find me firstly.

This post has been edited by adolph: Nov 8 2012, 05:31 PM