TH has always been known to give the HIGHEST dividend rate in Malaysia for her investors !

Reserves? You mean their 3.1billion negative reserves from last year? 
The bonus portion only apply to a small portion I think; unlike ASB which applies to the entire amount. So 5%+3% bonus is definitely not 8% effective rate 

While your statement is correct, I believe my statement is more refined. Refer to the screenshot from the annual report. The Haj bonus only limit to <RM10k even if you have yet to perform haj and not on the 100% deposit for depositors yet to perform haj.

[attachmentid=8455477]

Hence my comment of 5%+3% does not equate 8%. In the context of someone who have yet to perform haj and have RM100k in tabung haji; the dividends they would get is RM100k*5%+RM10k*3% haj bonus = RM5,300 thereabouts, which is effectively 5.3%

Don't you think the picture is now very different from what Tabung Haji shows on media 5%+3% bonus

Edit: See FAQ #7
https://cms-th.s3.amazonaws.com/16112016+TH...s+%28ENG%29.pdf

So any mean if the saving inside TH is 10k or more meaning we are ready to be called to perform Hajj already even let say i got year 2065?