i always got confused. it's the red book. is that ASW or is that ASM?

blue - asb
yellow - as1m
red - asm / asw2020?
gold - asw2020 / asm ?

i know gold is finished liao. red got.

my own saving actually is rm59k and last year on july 2013 i took asb loan from maybank for 50k...
so my total asb is around 109k... and the dividend for this year is 7.7 %...
so u just need to calculate ... i also dunno...

I have extra cash to pump into ASB but sadly ive already max'd out

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

The 30K sijil was pumped into the account maybe around 2011. In mid 2013 about 190K cash was pumped in. That would take the overall investment to 220K. This does not include dividends. But the current book balance after the last update is about 202K. Hence my earlier statement that sijils are not counted as part of the 200K investment limit for each account although the dividends are included as part of the total book balance.

Just a note to add here.

The signed form can only be used ONCE!

My wife signed the form and I used it at ASNB office. The staff stamped it and put it in the tray. When I asked whether I could have it back, answer was no. Can only use the signed form once only!

This is really turning our sustainable environment drive 180 degree back ward! Wasting paper and energy.

i can update saving book for 3rd party in most banks.....what is the hoo hah in asb?

ok if asb is already full which is the next best asnb product to invest?

why nobody investing in Amanah Saham Gemilang ...
the return also not too bad ape 

Year Dividend (sen)
Pendidikan Kesihatan Persaraan
2004 6.50 7.00 6.25
2005 7.25 7.30 6.75
2006 6.50 6.75 6.25
2007 6.50 6.75 6.25
2008 7.00 7.25 6.75
2009 5.50 6.00 5.00
2010 5.50 6.00 5.00
2011 5.60 6.10 5.10
2012 7.00 7.10 7.05
2013 7.10 7.20 7.30

Then how would you explain the scenario i mentioned above where there was a 30K sijil in the account and then another 190K was pumped in mid last year?

Thats why im asking here. But if sijil's are not counted, then i need to know cuz i can then do it for 'mine'.

This particular account has been maxed out already.

Both maxed out.

Which is why im asking about sijils because if sijils are not counted as part of the 200K investment limit per account then i could try to use the 'sijil' method but i dont know how to go about doing it.

Must a sijil be a form of loan or can the cash be pumped in some other way? Example take a loan first to get it into the ASB but pay off the loan behind using the spare cash i have? Thats what im asking cuz i dont know ASB all that well.

the only way to check if still got is to call is it?

Yes this is what im beginning to think now. Thats why i dont want to take the ASB book and get them to check it. It might backfire on me which is why im asking here. But when the book was being updated on the 2nd, the officer at the bank was asked about the sijils and she said that sijils are not included as part of the 200K limit.

Not sure if its a blanket rule or a mistake.

Let me know if you found anything.

Otherwise, it'll be either ASW, AS1M or Amanah Hartanah for me lah. Anything that buy RM1 and sell at RM1, I'll have a look. I know, I'm boring. LOL.

that is my question.

can i then withdraw the 'dividend' money and not the investment money?