Hmm,... so reality finally sinks in,... and fundamentals are the ultimate truth in investing !
Tabung Haji Savings, Tabung Haji Savings
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 Apr 6 2019, 11:18 AM
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Senior Member
9,353 posts Joined: Aug 2010 
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Apr 6 2019, 11:42 AM
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All Stars
48,447 posts Joined: Sep 2014 From: REality
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QUOTE(muhammadb @ Apr 6 2019, 11:04 AM) Even if it goes to ASB, some people has said, even PNB can't keep up giving above 5% return rate. Not sure about EPF since they have foreign exposure... Which would give good return vs bursa Malaysia..Due to massive losses in Bursa since mid 2018 and even before that during low crude oil price period, which cause a lot of capital wiped out. If Khazanah Nasional has to declare around 7B of losses for 2018, dont you guys think EPF, KWAP and PNB and other related institutions like TH are in the same boat?  So EPF and PNB has been doing creative accounting also yeah  . With more than 5% returns for ASB1, ASB2, ASB3 and etc and also for EPF. Only Khazanah is transparent now. PNB.. Well the recently dividends is the real deal.. No more creative accounting... Why I said so?? If they were to do creative accounting.. Its would still be around 6% π for what do creative account yet declared lower dividends ,& spoiled the good name of pnb π΄ |
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Apr 6 2019, 09:50 PM
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Senior Member
3,963 posts Joined: Nov 2016
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after the worse Hibah announcement in history..
many are expected to withdraw their money in Tabung Haji.. |
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Apr 7 2019, 12:39 PM
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Senior Member
785 posts Joined: Mar 2012
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QUOTE(muhammadb @ Apr 6 2019, 11:04 AM) Even if it goes to ASB, some people has said, even PNB can't keep up giving above 5% return rate. Due to massive losses in Bursa since mid 2018 and even before that during low crude oil price period, which cause a lot of capital wiped out. If Khazanah Nasional has to declare around 7B of losses for 2018, dont you guys think EPF, KWAP and PNB and other related institutions like TH are in the same boat? So EPF and PNB has been doing creative accounting also yeah . With more than 5% returns for ASB1, ASB2, ASB3 and etc and also for EPF. Only Khazanah is transparent now.QUOTE(nexona88 @ Apr 6 2019, 11:42 AM) Not sure about EPF since they have foreign exposure... Which would give good return vs bursa Malaysia.. EPF, PNB indeed making loss in the Malaysia share market, but actually it wasn't creative accounting that let them paid good dividend, it is related with the new accounting standard MFRS9 and the exemption given to them.PNB.. Well the recently dividends is the real deal.. No more creative accounting... Why I said so?? If they were to do creative accounting.. Its would still be around 6% π for what do creative account yet declared lower dividends ,& spoiled the good name of pnb π΄  |
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Apr 7 2019, 06:57 PM
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Senior Member
3,050 posts Joined: Oct 2008
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QUOTE(vanitas @ Apr 7 2019, 12:39 PM) EPF, PNB indeed making loss in the Malaysia share market, but actually it wasn't creative accounting that let them paid good dividend, it is related with the new accounting standard MFRS9 and the exemption given to them. So actually Pnb is making loss but no need to declare on paper? |
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Apr 7 2019, 06:59 PM
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Senior Member
1,730 posts Joined: Jul 2016 From: tomato land 
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QUOTE(theevilman1909 @ Apr 6 2019, 09:50 PM) after the worse Hibah announcement in history.. 1.25 %many are expected to withdraw their money in Tabung Haji.. Say no more |
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Apr 7 2019, 07:02 PM
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Senior Member
3,963 posts Joined: Nov 2016
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QUOTE(tomato people @ Apr 7 2019, 06:59 PM) 1.25 % next few years expected hibah around 2% +/- Say no more friend of mine mention it. |
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Apr 7 2019, 07:35 PM
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Senior Member
785 posts Joined: Mar 2012
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QUOTE(PrincZe @ Apr 7 2019, 06:57 PM) So actually Pnb is making loss but no need to declare on paper? For certain stocks (top 10 stocks) that is transparent to investors, confirm making loss. But is there any profits for those not transparent in the report, I am not sure.But when it comes to accounting standard, it is using the same as EPF, you can interpret the sentence in the image yourself to get your answer. |
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Apr 7 2019, 07:38 PM
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Junior Member
471 posts Joined: Jun 2006
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QUOTE(theevilman1909 @ Apr 7 2019, 07:02 PM) next few years expected hibah around 2% +/- Better put in fixed deposit then. I'm giving them second chance to approve that at least they can give 3% for 2019. friend of mine mention it. If still 2% +-, I'll just go fixed deposit. At least one year, can still get 3 % |
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Apr 7 2019, 07:49 PM
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All Stars
48,447 posts Joined: Sep 2014 From: REality
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QUOTE(vanitas @ Apr 7 2019, 12:39 PM) EPF, PNB indeed making loss in the Malaysia share market, but actually it wasn't creative accounting that let them paid good dividend, it is related with the new accounting standard MFRS9 and the exemption given to them. Interesting..Now can blame on the accounting standards MFRS9 π |
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Apr 7 2019, 08:38 PM
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All Stars
48,447 posts Joined: Sep 2014 From: REality
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Bank run happening?
TH branch in Bachok, Kelantan cash finished because too much cash withdrawals by depositors π΄ Saw some news online... Tomorrow Monday whole of Malaysia could happen? |
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Apr 8 2019, 03:10 AM
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Senior Member
7,818 posts Joined: Jan 2005
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QUOTE(vanitas @ Apr 7 2019, 12:39 PM) EPF, PNB indeed making loss in the Malaysia share market, but actually it wasn't creative accounting that let them paid good dividend, it is related with the new accounting standard MFRS9 and the exemption given to them. When I first read about this, I felt something is not right. Thought I didn't understand that well enough. |
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Apr 8 2019, 03:14 AM
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Senior Member
7,818 posts Joined: Jan 2005
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QUOTE(nexona88 @ Apr 7 2019, 08:38 PM) Saw some news online... http://www.bernama.com/en/news.php?id=1713762Tomorrow Monday whole of Malaysia could happen? After they legal action her, they legal action you, milady. Imagine having to sell all your ASx to pay for legal expenses/fine.  |
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Apr 8 2019, 07:43 AM
Show posts by this member only | IPv6 | Post
#294
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Junior Member
206 posts Joined: Jan 2013
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from tabung haji, can transfer to own bank account right? Via online
Other than asb1 where is the best place to save? This post has been edited by rivetindigo: Apr 8 2019, 07:45 AM |
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Apr 8 2019, 07:47 AM
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Senior Member
1,590 posts Joined: Nov 2006
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QUOTE(rivetindigo @ Apr 8 2019, 07:43 AM) from tabung haji, can transfer to own bank account right? Via online Asb2 n asb3Other than asb1 where is the best place to save? |
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Apr 8 2019, 07:53 AM
Show posts by this member only | IPv6 | Post
#296
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Junior Member
206 posts Joined: Jan 2013
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QUOTE(epie @ Apr 8 2019, 07:47 AM) Asb2 n asb3 Oraite thanks! |
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Apr 8 2019, 09:01 AM
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All Stars
48,447 posts Joined: Sep 2014 From: REality
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QUOTE(rivetindigo @ Apr 8 2019, 07:43 AM) from tabung haji, can transfer to own bank account right? Via online Other than asb1 where is the best place to save? QUOTE(epie @ Apr 8 2019, 07:47 AM) Asb2 n asb3 Subjected to unit availability πSince fund size is limited to certain amount vs ASB1 which is unlimited totally... |
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Apr 8 2019, 09:15 AM
Show posts by this member only | IPv6 | Post
#298
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Junior Member
206 posts Joined: Jan 2013
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QUOTE(nexona88 @ Apr 8 2019, 09:01 AM) Subjected to unit availability π I tot asb1 limited to 250k?Since fund size is limited to certain amount vs ASB1 which is unlimited totally... |
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Apr 8 2019, 09:20 AM
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All Stars
48,447 posts Joined: Sep 2014 From: REality
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QUOTE(rivetindigo @ Apr 8 2019, 09:15 AM) I tot asb1 limited to 250k? Ehh not 200k? When up till 250k  And what I mean is total fund size... Like how ASB1 grown to multi billions vs ASB 2 or 3 which have around 12bil fund size limits only.. Once 12bil fully taken up. Only when someone sells u can buy. No sell cannot buy π |
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Apr 8 2019, 11:00 AM
Show posts by this member only | IPv6 | Post
#300
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Junior Member
206 posts Joined: Jan 2013
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QUOTE(nexona88 @ Apr 8 2019, 09:20 AM) Ehh not 200k? When up till 250k Last november i asked they told me it was 250k, so i happily add in max 250k. Now its more than 260k.And what I mean is total fund size... Like how ASB1 grown to multi billions vs ASB 2 or 3 which have around 12bil fund size limits only.. Once 12bil fully taken up. Only when someone sells u can buy. No sell cannot buy π |
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