as always, obvious fishy matter and still people are going crazy for amanah saham. i dont look down on these people, just know and hope they are better educated and informed. if putrajaya change team soon and they probe into PNB, be prepared for chaos... cause they will dig out all other fish in the deep freezer

22K in dividend + bonus. It's more than 200K 

Yes more. Bout 265K. But just realised that i have space for another 20K. So will top up in Feb.

that's why i feel sad for my fello bumiputra friends

got money, go buy cars, hp and gadgets, holidays, vacations, and other tangible purchases

don't want to invest in AS1M, let alone ASB. others are fighting for the tiny funds left from the non-bumi quota...

okay.

let's use your scenario above

let's say you have a balance of RM10,000 in your ASB as of 30/6/2013

on 01/07/2013, you add in RM 500
on 08/07/2013, you add in RM 800
on 26/07/2013, you add in RM 200

and let's say the dividend is 8%

based on my experience and confirmation from ASB officers, your July dividend will be counted as:

JULY: lowest balance on 01/07/2013: RM 10,500 * 0.08 / 12 = RM 70.00
AUGUST: lowest balance on 01/08/2013: RM 11,500 * 0.08 / 12 = RM 76.67

hopefully that gives you a clear image on what it meant by "dividend based on the lowest balance in the month"

bonus is an entirely different thing. it is based on the lowest balance of the year x 10 years average

I got two ASB accounts now. Should I split the savings into two accounts or concentrate one account to reach 200k?

.. U remember me.. 

Do excel as below or else compounding formula
http://brunialamira.blogspot.com
P/s my lovely father and mother passed away .. Sad and miss them