how you can top up 5k, i only 0.5k

is this for pnb fund? or other?

The limit has been lifted. If you have RM100 million, you can buy RM100 million of AS1M for yourself. But that's of course, provided AS1M isn't sold out yet. And as of today, AS1M is still available (for Bumi only).

anyone know how I can open new account for AS1M?

If compare AS1M fund, which began on year 2009, the total investor almost reach 271,000 members, 89,158 of them hold more than $10,000, 895 of these members hold at least $500,000 in these fund, which projected a fund of $5.5 billion on last year, but the total fund is 14.0 billion units, guess other race quota still available.

but too much money sitting in an emergency fund is also a 'waste'. of course how much is too much is different with different person.

Can I have the link for the info provided?
Then, how about ASNB ? should be full withdrawal, isn't?

Yes dividend calculation is daily rest based on the total available balance in the account. And yes after some time, you can withdraw all your initial 200K and leave only the dividends earning from earlier dividends. But of course to reach 300K in dividends alone will take a few years.

Ive calculated if i leave the entire amount of 285K in the account untouched, i would end up with approx RM 1.54 mil in 20 years assuming a yearly interest of 8.9% per annum.

Hi

Just to check. Anyone here tried Maybank isamic Loan before.

Example:
RM30k loan (ASB)
RM45,100.00 Loan paybank (Fix for 8 years)

I find it so expensive and not worth it. I rather go for convention method and pump more money to control the monthly interest.

Anyone experience this before?

makes no difference bro, since both will have the same dividend payout

but concentrate on one first so you can benefit from the bonus in the long run (very minimal impact also)

bonus is calculated based on the "lowest balance of the year" and is averaged for 10 years

let's say the bonus is 1.15%

based on your scenario, since your lowest balance for year 2012 = rm 0, and your lowest balance for 2013 = RM 100k (assuming you didn't take out any sums in 2013), then your bonus payout should be:

(RM 100,000 + 0 + 0 + 0 +0 + 0 + 0 + 0 +0 +0) / 10 years * 1.15% = RM 115.00

i can be wrong, but let others check too. i know my 2013 bonus is just 0.4% of my last balance in 2012. my dividend is a healthy 7% average. (my acc was almost zero due to stupid young blood rush spending in 2005)

Thinking of applying 70-30 formula to the two account.. Bonus will go to 70% account.
Anyway thanks for the reply..

Die la... No people knowing this...

On one account, yes. 

TH awesome dividend was only for year 2012. dunno how it will perform in the future. plus, TH head is UMNO crony now. just like how PNB's current CEO is.

i haven't got time to check yet, but based on M2U, u can still top up RM50k. so i guess the fund is still there at the moment.