Repeat question, you may refer to this link,
http://forum.lowyat.net/topic/2256158/+500

And you will be reward compounding power for the following year, if you never withdraw the dividend and re-invest the dividend.
You may do a search engine; "compound interest calculator" to find out more.

You already question this on other thread, the fund is not guarantee and may goes up or down depend on the performance, as mentioned 30% of the fund can be withdraw every years while remaining 70% can be withdraw once each 55 year old. This is only other form of mutual fund, just like you purchasing an insurance plan (NAV) prices is not fixed, only a small number of private companies mutual fund can beat return up to 12% each year.

For Private Retirement Funds, there are a lot to consider especially it a private companies. While government can fall into big hole of debt, private companies can goes as well.

Do you mean by 10 times in a single day? those agents not gonna tried that much for you. Up until now, i question some banks and PNB, they mentioned for new account to open for Chinese is almost zero except announcement return on that day, number of banks say, never for AS1M while PNB say yes but not many, other fund almost zero. You may try your luck too.

Just go apply la, the amount is still big. Even Amanah Saham Didik still not yet full.
Bumi never fully subscribed except Amanah Saham 2020.

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Added on November 29, 2012, 5:24 pm
Just find the lowest Based Lending Rate (BLR) among banks.

This post has been edited by adolph: Nov 29 2012, 05:24 PM

[quote=MilesAndMore,Nov 29 2012, 06:36 PM]That is not true. ASD has been fully subscribed for a long time already.

[/quote]


http://www.asnb.com.my/LAPORAN%20TAHUNAN%2...0JUN%202012.pdf
Not sure, last week I went with a bumi, he went to top up and it successful.
Based on the report 2012, it only 4.229 billion out of 5.01 billions.
On last month, ASNB customer services do reply me an email, it not stated ASD is fully subscribed except other funds.

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Added on November 30, 2012, 8:25 am[quote=roger_faderar,Nov 30 2012, 12:46 AM]
[quote=adolph,Nov 29 2012, 05:21 PM]
Just go apply la, the amount is still big. Even Amanah Saham Didik still not yet full.
Bumi never fully subscribed except Amanah Saham 2020.

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Added on November 29, 2012, 5:24 pm


Just find the lowest Based Lending Rate (BLR) among banks.

[/]
is that all?

[/quote]


Then? you can google yourselves and find some bankers, do a simple comparison before step on it.
Based on your questions, It seem you're still in the field of doubtful about ASB loans.
Sorry, if i'm wrong.

This post has been edited by adolph: Nov 30 2012, 08:34 AM

You successfully opened AS1M, since you're chinese?
Anyway, I do not really understand what method by adding "0" without any dash (-) sign.
Do you mean, the registration paper slip, you put infront?

Eg,

801520-12-7055
But in the registration, you put, "0801520127055" ?

You register or do you mean tellers register for you?
Alright, I will try on next week, It's okey if I provided 0801520127055 on the registration opening account forms.
Hopefully it will works, thanks for your feedback.

Yes, i saw my slips with code "0" follow by my Identity Card number for my different funds.
thought some kind of computer generated code so I leave it, plus those tellers never mentioned about it.
And just like yours, my passbook also hand written by bank tellers.

Speculation and prediction will not give you a re-assurance and satisfaction to clear your worry. As such, you still need to relay on the real exact return from PNB for such case.
Even some parties claimed it will goes above or below your average points.

This is not banks, obviously no.
you cannot reserve the units for anyone.

In Lump sum on first January each year, as you mentioned above.
This is because it will be pro-rated by remaining months before distribution of dividend.

This post has been edited by adolph: Dec 12 2012, 05:44 PM

Pemodalan Nasional Berhad (PNB) never claimed all these funds which were opened guaranteed in returns in future.
Only some parties used past performance return to sell their ASB loan to convince the return is safe, majority only taking it as investment vehicle because it is offered in such a fixed units which is not volatile in pricing units.

It already stated very clearly when you surf the main pages below the bottom. For "Halal", you may refer back to your religious.
http://www.asnb.com.my/english/index.htm

they will probably maintain in $1 per units, only the return is not guarantee, but the true value for the fund may below on that average or more than that.
Just like they make an availability in switching fund between ASB and ASN.

ASN in the earliest year is a fixed price which capped at $1, but however later ASB in 1990 was announced which cause ASN is no longer fixed fund and price may up or down due to the movement of Net Asset Value (NAV). However, during that commencement period, they allowed on such as switching fund from ASN to ASB which is capped.


If you want higher return, of course ASW2020 is better since the charge is much lower, the debt ratio is yet, better than AS1Malaysia.

Today, government promote more unit trust investment, such as private retirement funds and Amanah Hartanah Bumiputra (AHB) but yet, all of these fixed fund normally only reserved for bumiputera.

This post has been edited by adolph: Dec 15 2012, 01:19 PM

Just go to the main website,
And click the select fund, your question will be answer. simple as that.

How does the dividend return look like for EPF's 1 Malaysia Retirement Saving Scheme, or it same with "Employee Provided Fund" return?
What the exact meaning for 5% contribution or subject to $60 per year for 5 year continuously.

Assuming in a scenario,
Mr ABC having a fixed income salary and consider as an employee in a listed company. However after several years, Mr ABC resigned from his initial position and took a business without fixed salaries such as agents to corporation. Do Mr ABC still eligible for this scheme since he was working previously with account in "Employee Provided Fund" but no salary deduction after resignation.

This post has been edited by adolph: Dec 21 2012, 10:23 AM

Employee get advantage by another 13% additional from employer for fixed income salary earner.
thanks for your information.

Haha, funny 2012-12-21 post for today from administration.

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Added on December 21, 2012, 11:43 amFor the past 12 years, ASB dividend only decreasing in long term but still a good investment, but no guarantee for another 20 years in future.

This post has been edited by adolph: Dec 21 2012, 11:43 AM

The link had been given,
Please read it by yourselves and you will be understand

Read this topic from the first page till the end, all your question and doubt will be found on this thread.

Out la, already so long.
except not fixed and variable units.

Amanah Saham Nasional 3 and Amanah Saham Gemilang only, which is not fixed unit prices.

More info,
http://www.asnb.com.my/

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Added on January 3, 2013, 2:25 pmYou still be able to invest, only that you're feel insecurity with the none fixed units.

This post has been edited by adolph: Jan 3 2013, 02:25 PM