What other investments give better returns minus the risks?

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.

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

Don't waste your precious time on "hunting" the AS1M or any other sold-out ASxx
There's better options in the market than giving money to Govt's biggest ponzi scheme.

ASB offers the best interest rates compared to other ASNB funds. Last year they gave out 7.65+1.15 = 8.80%.

If government open for Chinese, it should be sold 10 billion units not more than 2 week at least. Since in the past, other Amanah Saham which offer 0 % sales charge and fix fund units can sold out almost 500 million units in less than 24 hours after announced for Chinese quota. 

I will buy 20,000 units directly if it happens! 

Native rights? But the question here is are the natives really natives of Malaysia? 

Found out that ctually any places can get u the units amount you want, it all depends on the willingness of the teller and the time (many ppl at bank queue or not). And it is not easy to get units by 1 try or even 10 tries, u need to find someone who willing to spend the time n energy for u, tht they r not busy (too many people), and their heart is willing to help. If not, it's doomed. Of course, if they click once, 90% won't return any success. It is very repetitive, keep on tapping and tapping to refresh, but if u found a willing teller, they can get you the units u want, within maybe 15-20 minutes, not in 1 transaction, but multiple transactions if your amount is large. Most of the time, the unwilling tellers will (in order of 'un-helpfulness'):
a) Try once and give u the easy answer "No Units". May even mock you for telling them to try amounts like 2k or 3k, bash you with liners like "You'd be lucky to get even 50 units!"
b) Try a couple of times, stops and then tell u no units.
c) Try harder than (b) until at least 1 transaction is successful, even if not up to the amt u want, just finish the transaction and ask u to fill up form.
d) Willing to try incrementally (multiple transactions) until it gets to the amount you want. Then only call you up to fill forms etc. (This is the really rare gems to seek for).

Of course, if you have connections, family/relatives working as tellers, it'd be so much easier, I saw stacks of ASW/ASM passbooks at one teller and I asked them, they said, it is for their staff only (probably family and relatives as well), they told me they don't provide outsiders the service to put your books thr and they try to search units for you.

Yes thats true. But i think the main reason is because of the high returns of ASB, the Gov wants to be seen as giving more 'exclusive' rights to a selected race. If it were open to all, then the effect of exclusivity is lost. But in reality, its mainly the higher income groups and some of the middle income ppl who are clearly benefiting from ASB. Hence, the rich get richer while the poor remain poor.

Exactly,
Assuming, Last year ASG 6.8% dividend payout. $1 / 1 Unit, if you buy $1,200 = 1,200 units

1200 * 5% = 60, So in the end you received $1,140 principle.

1,140 + 6.8% =1,217.52. On the 1st year once dividend declared, you have $1217.52.

And other charge, The direct charges incurred by you when buying units are the initial service charge or sales charge.
Yes. but that not the only part, the fund units, Net Asset Value (NAV) is fluctuated and will be varied each days.

I didn't say ASG is a fixed price unit funds.

It just assuming, the ASG NAV today is RM1 per 1 units. Other related question, you can ask Tan Sri Dato' Sri Hamad Kama Piah Bin Che Othman or direct to their ASNB HQ.

Some like it, some dislike it. usual 

No, I don't. Just sharing knowledge 

Like that de lo..
Bank always charge this and that.
Nowadays, even ATM machine has it own limitation for withdrawal per months to some bank.
It almost several years, ASNB never announced a new fund to the public, except Sara 1Malaysia, which is for household only. But still, the fund is invested into AS 1Malaysia.

Hopefully they will launch a new fund 

wrong thread.

+ 1

I'm not really sure about that, I can't enjoy ASB because I'm non-bumi and not wish to give an opinion that I don't have knowledge on it. The early you invest, the early you will enjoy compounding return.
I guess you know the meaning of compounding, right. Take advantage of the ASB loan available, to achieve compounding return.

One thing is sure, ASB loan only can fully withdraw after 25 year to get the principle amount, let say you took ASB loan for 25 year or through personal loan, which can withdraw at anytime but the return from ASB must be 7% - 8% average to enjoy the interest. No worry, ASB always give persistent return on the past, but no guarantee in the future.

Example of past ASB dividend return,
http://1-million-dollar-blog.com/dividends...ham-bumiputera/

However, this question has similar thread, please refer more.
http://forum.lowyat.net/topic/667676/all
http://abcmoneywise.blogspot.com/2010/03/a...t-worth-it.html

It should be goes,
ASB dividend return should be higher than loan repayment interest, then you will earn. if in the unnecessarily moment, don't withdraw the interest you earned so that it will be re-invest and accumulate. Correct me If i'm wrong.

Did i say no hidden? or you add it yourself?
For ASB loan financing, you don't have to paid all the year for loan repayment. but still better than investing my money into excessive sales charge fund, that's not my cup of tea. I'm pretty sure not all of them are stupid, to get loan that unable to paid later.

Just forgot there is a small charge impose not more than 1% of management fee and trustee  fees.

Info,
http://www.asnb.com.my/english/ASB%20n%20ASN.pdf

Firstly , you need to say your races, because this company limit quota of percentage to certain races.
If you're Bumi, likelihood of top up will be successful.
At the moment, ASM (for all Malaysian), ASW 2020 (Bumi and Non Bumi) and  AS 1Malaysia (for Chinese, Indian and Others) unit allocations have been fully subscribed.

Add unit is depend on on any existing unit holders withdrawal. any existing withdrawal always fully subscribed in just a moment.

Nobody force you to join this scheme, if you don't like it, go ahead. go invest in your mutual fund company. and you could stop promoting your mutual fund. Your smell is so obvious, this topic only for PNB fund. This is not your first time keep telling people in this thread about PNB return smell curious, unable to paid the loan, and etc that not about this thread.
Please read the topic of this forum before starts your words, if you telling this in the fixed deposit thread, you posted something familiar to this, I'm sure people will against you.

If you want to start your private companies investment, go make a new topic or fund investment corner.
This topic only for PNB fund exclusively.

Nobody force you to join this scheme, if you don't like it, go ahead. go invest in your mutual fund company. and you could stop promoting your mutual fund. Your smell is so obvious, this topic only for PNB fund. This is not your first time keep telling people in this thread about PNB return smell curious, unable to paid the loan, and etc that not about this thread.
Please read the topic of this forum before starts your words, if you telling this in the fixed deposit thread, you posted something familiar to this, I'm sure people will against you.

If you want to start your private companies investment, go make a new topic or fund investment corner.
This topic only for PNB fund exclusively.