If me I'd take 200k ASB loan for 20 years, take 16k from your 50k to pay the first year of the ASB loan installment. Then leave it on autopilot for the next 20 years. Balance 34k can use for UT, AHB, etc... If anybody thinks this isn't a good idea do share your thoughts

Just to add: "And yes, I’m a bumi and ASB only limited for bumi people in Malaysia."

Apparently, if you married a bumiputra, and convert to Islam, you are entitled to ASB too

already found it 

Siapa golongan minoriti?

Golongan minoriti adalah satu golongan yang telah mendapat kebenaran khas dari Perdana Menteri untuk melabur dalam semua unit amanah yang diuruskan oleh ASNB iaitu:

    Siam
    Portugis / Eurasian / Serani
    Mualaf / Beragama Islam tetapi bukan Bumiputera

Nota : Golongan ini mendapat kebenaran melabur dalam semua skim ASNB kecuali bagi skim yang mempunyai pecahan Bumiputera dan bukan Bumiputera (skim ASW 2020) ianya dikategorikan sebagai Bukan Bumiputera.

http://www.asnb.com.my/eligibility.htm

No problem. Sharing is caring 
That's the requirement. Just follow only (don't know if they got change anything recently)

Only in Bolehland

Officially no, but if the banggla got mykad? (you know, I know  )

No Comment 

Tabung Haji earned a lot from people that went for Hajj(especially Hajj Season), that is why the dividend is high.

And th last time I've checked, to open a TH account, you need to be a muslim BUT before raya I went to Tabung Haji in JB, I saw alot of Chinese and Indian people there. Not sure if TH policy change or the chinese/indian people is already a muslim.

Sorry for the out of topic