I assume u already ask for upgrade the limit from 200k from ASNB 

Wa how do you have more than rm400k without upgrading your limit?
And if you injected your funds in 2nd half of 2012 you would get the full year dividend for 2013.
Storm already over la, upcoming more likely a shower.

Oic...
My personal advise is u continue with ASB unless u manage to find alternative investment that shares d same characteristic of ASB

I'm very intrigued as to how you believe PNB directly contribute to the government's coffers?

Maybe you can borrow using your wife name (if you have one) or brothers, sisters or son or daughter. That if you are willing to guarantee their future loan as it will affect their loan eligibility.

If you dont have the above, then you cant add anymore in your account.

the cert + passbook is also subjected to 200k max..
if you hv 150k cash in ur passbook..then u can only buy 50k worth of cert

but the dividend will further increases your limit by more than 200k

Wow. You are cash rich! 

yes..that is exactly what i meant..
the additional 3k is actually dividend that u get
if u go and update the the passbook now u probably will get approximately 10k worth of dividend + bonus
this will further push the limit to rm 213k++.. but u cant dump another fresh amount into ur asb as the limit is only 213k

but if u take out 13k..and left the 200k untouched..later on u still can top it up by the exact amount that u took out
my current limit is 254k..that 54k is accumulated dividend + bonus.

account holders can always check their fund limits at the counter.

If we have like 300k, take 100k out, later we can add 100k also?

ok..from  ur illustration.. at one point ur asb limit is 226k..as i said earlier, the additional 26k is your dividend. i suspected u hv invested in asb for quite sometime already hence the 26k dividend accumulated over the years.i have discussed this at length in another forum.

point is , if somebody has more than 200k in asb..the additional amount is definitely from the dividend..another way is through inheritance

Sehubungan itu, berkuatkuasa pada 05 Julai 2013, semua pemegang unit yang ingin mengemaskini buku pelaburan mereka perlu hadir sendiri ke kaunter bagi melaksanakan urusniaga tersebut

why make it so difficult? update book only maaaa

so u mean, your balance is over the 200k limit (excluding dividend). How can it be?   

i can confirm that the sijil is calculated together into your initial investment limit

Why not ask ASNB about it.  One problem if they found it's their mistake, then u may lose the "additional" investment amount (excluding dividend) 

I would say "diam2 sudah" , don't need to ask ASNB

so the earlier scenario given is not yours??
if that is the case then the person must have invested for a good numbers of years already.. then at one point he withdrew it.. at this point he must have gotten several k worths of dividend..plus the dividend from the 30k cert and 190k cash..so the is no mystery about the exceeded limit.

as i said earlier the only way for u to get more than 200k in asb is through accumulated dividend and bonus..another way is through inheritance.

why not just "try" to add more cash into your ASB account. u said before got some extra money.  No harm trying right 

if it doesn't pose you any problem, why bother to push your issue here?

everyone has been saying the same thing, but you insist on your own theory

oic, I tot it's your account. so basically it's "other" people one

okay, why not u try to  "over" limit the account the "personal" account.  I mean "try" add above the limit.

some people would say it's impossible, why not just try your luck