and yet many bumi prefer to spend their money on phones, cars and other tangible products

Haiz, another fund which set the non-bumi's aside again..

The hard-feelings that i have is so hard to describe.. can only try over the counter and most of the time ended up with zero, while the bumi can deposit their money into the account at any time..

and yet many bumi prefer to spend their money on phones, cars and other tangible products

I think this spending habits applies to all races. Especially the Generation Z,

I think this spending habits applies to all races. Especially the Generation Z,

When u can put in or withdraw your funds easily like ASB there is a tendency to spend off your income/dividend. Whereas if it is shxting difficult to even buy funds like ASM/AS1M/ASW u tend to treasure it because it is so difficult to buy back.

I am no sifu, but would like to share my understandings... All sifu here, do correct me if I my understanding is wrong. 
1) The 7.3 is the Net Distribution per unit (sen). For variable price fund, we should look at the returns, in this case it is 10.67% for 2013. This returns is net after all charges. Refer to this link.
2) Refer HERE for their daily prices.
3) My understanding is the mgmt fee are charged and taken into account during distribution calculation. Normally lower unit price after distribution.

I think I should donate my completed ASNB purchase forms to our museum now.

Why?

After so many trips, none has been used for the past few weeks!

The Post Office lady was helpful this afternoon trying to get some for me but none was available.

That is life, some get it and some don't. Ha.

Thanks tbheng, wil-i-am and davinz18.  Today went to open ASG persaraan and kesihatan. The unit price is so high, really 'rugi'.     Hopefully, the price will go higher and I don't lose out. The lady said that the dividend will be in early  April. Got a free bag.

For information, tried to open AS1M and ASM accounts, but none will let me open. Say no units

When u can put in or withdraw your funds easily like ASB there is a tendency to spend off your income/dividend. Whereas if it is shxting difficult to even buy funds like ASM/AS1M/ASW u tend to treasure it because it is so difficult to buy back.

I think I should donate my completed ASNB purchase forms to our museum now.

Why?

After so many trips, none has been used for the past few weeks!

The Post Office lady was helpful this afternoon trying to get some for me but none was available.

That is life, some get it and some don't. Ha.

Tat xplain y it's tough for non bumi to buy ASW/ASM/AS1M

Thanks tbheng, wil-i-am and davinz18.  Today went to open ASG persaraan and kesihatan. The unit price is so high, really 'rugi'.     Hopefully, the price will go higher and I don't lose out. The lady said that the dividend will be in early  April. Got a free bag.

For information, tried to open AS1M and ASM accounts, but none will let me open. Say no units

Where did you go? ASNB HQ or agents?
They didn't event process your request or they actually process and inform no available units?
It is a laptop backpack, right? 
I'll report back after 1 month of my ASG holdings.  ASG-Kesihatan seems outperform the other 2 siblings.

HQ. They didn't want to process or check at all. Told me that its full already although I was the only non-bumiputra there.  Its a backpack. Regret not spreading some of the $ to the pendidikan. Should have all 3 funds since who knows in the long term, which fund will outperform which.

I don't what to say to the staff.  Another attitude I don't like is when even we got the passbook, they straightaway say no units available without even "trying". in my mind wanna "slap" only the staff 

Thanks tbheng, wil-i-am and davinz18.  Today went to open ASG persaraan and kesihatan. The unit price is so high, really 'rugi'.     Hopefully, the price will go higher and I don't lose out. The lady said that the dividend will be in early  April. Got a free bag.

For information, tried to open AS1M and ASM accounts, but none will let me open. Say no units