ASN, ASN2, ASN3, ASG, ASB, ASW2020, ASM, ASD, AS1M

Lowyat.NET forums

Lowyat.NET Kopitiam Garage Sales

Lowyat.NET Rules and Regulations FAQ Help Search Members

Welcome Guest ( Log In | Register )

Lowyat.NET -> Finance, Business and Investment House

Bump Topic Topic Closed RSS Feed

13 Pages « < 3 4 5 6 7 > » Bottom

Outline · [ Standard ] · Linear+

ASN, ASN2, ASN3, ASG, ASB, ASW2020, ASM, ASD, AS1M, AMANAH SAHAM NASIONAL BERHAD V4

views

lucifah	Oct 4 2013, 08:56 AM Return to original view \| Post #81
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(myhvictor @ Oct 4 2013, 08:47 AM) beside reduction of the principal , their is one lump sump 34 k interest saving based on illustration below: Loan 200 k , lump sum paymnet 50k. tenure 15 year , mthly pymt rm 1499.50 Loan Amortization Schedule Loan Amortized at 4.2% Payment Payment Principal Date Number Amount Principal Interest Balance Opening Balance RM200,000.00 » Click to show Spoiler - click again to hide... « 4/10/2013 1 RM1,499.50 RM799.50 RM700.00 RM199,200.50 4/11/2013 2 RM1,499.50 RM802.30 RM697.20 RM198,398.20 4/12/2013 3 RM1,499.50 RM805.11 RM694.39 RM197,593.09 4/1/2014 4 RM1,499.50 RM807.92 RM691.58 RM196,785.17 4/2/2014 5 RM1,499.50 RM810.75 RM688.75 RM195,974.42 4/3/2014 6 RM1,499.50 RM813.59 RM685.91 RM195,160.83 4/4/2014 7 RM1,499.50 RM816.44 RM683.06 RM194,344.39 4/5/2014 8 RM1,499.50 RM819.29 RM680.21 RM193,525.10 4/6/2014 9 RM1,499.50 RM822.16 RM677.34 RM192,702.94 4/7/2014 10 RM1,499.50 RM825.04 RM674.46 RM191,877.90 4/8/2014 11 RM1,499.50 RM827.93 RM671.57 RM191,049.97 4/9/2014 12 RM1,499.50 RM830.83 RM668.67 RM190,219.14 4/10/2014 13 RM1,499.50 RM833.73 RM665.77 RM189,385.41 4/11/2014 14 RM1,499.50 RM836.65 RM662.85 RM188,548.76 4/12/2014 15 RM1,499.50 RM839.58 RM659.92 RM187,709.18 4/1/2015 16 RM1,499.50 RM842.52 RM656.98 RM186,866.66 4/2/2015 17 RM1,499.50 RM845.47 RM654.03 RM186,021.19 4/3/2015 18 RM1,499.50 RM848.43 RM651.07 RM185,172.76 4/4/2015 19 RM1,499.50 RM851.40 RM648.10 RM184,321.36 4/5/2015 20 RM1,499.50 RM854.38 RM645.12 RM183,466.98 4/6/2015 21 RM1,499.50 RM857.37 RM642.13 RM182,609.61 4/7/2015 22 RM1,499.50 RM860.37 RM639.13 RM181,749.24 4/8/2015 23 RM1,499.50 RM863.38 RM636.12 RM180,885.86 4/9/2015 24 RM1,499.50 RM866.40 RM633.10 RM180,019.46 4/10/2015 25 RM1,499.50 RM869.43 RM630.07 RM179,150.03 4/11/2015 26 RM1,499.50 RM872.47 RM627.03 RM178,277.56 4/12/2015 27 RM1,499.50 RM875.53 RM623.97 RM177,402.03 4/1/2016 28 RM1,499.50 RM878.59 RM620.91 RM176,523.44 4/2/2016 29 RM1,499.50 RM881.67 RM617.83 RM175,641.77 4/3/2016 30 RM1,499.50 RM884.75 RM614.75 RM174,757.02 4/4/2016 31 RM1,499.50 RM887.85 RM611.65 RM173,869.17 4/5/2016 32 RM1,499.50 RM890.96 RM608.54 RM172,978.21 4/6/2016 33 RM1,499.50 RM894.08 RM605.42 RM172,084.13 4/7/2016 34 RM1,499.50 RM897.21 RM602.29 RM171,186.92 4/8/2016 35 RM1,499.50 RM900.35 RM599.15 RM170,286.57 4/9/2016 36 RM1,499.50 RM903.50 RM596.00 RM169,383.07 4/10/2016 37 RM1,499.50 RM906.66 RM592.84 RM168,476.41 4/11/2016 38 RM1,499.50 RM909.83 RM589.67 RM167,566.58 4/12/2016 39 RM1,499.50 RM913.02 RM586.48 RM166,653.56 4/1/2017 40 RM1,499.50 RM916.21 RM583.29 RM165,737.35 4/2/2017 41 RM1,499.50 RM919.42 RM580.08 RM164,817.93 4/3/2017 42 RM1,499.50 RM922.64 RM576.86 RM163,895.29 4/4/2017 43 RM1,499.50 RM925.87 RM573.63 RM162,969.42 4/5/2017 44 RM1,499.50 RM929.11 RM570.39 RM162,040.31 4/6/2017 45 RM1,499.50 RM932.36 RM567.14 RM161,107.95 4/7/2017 46 RM1,499.50 RM935.62 RM563.88 RM160,172.33 4/8/2017 47 RM1,499.50 RM938.90 RM560.60 RM159,233.43 4/9/2017 48 RM1,499.50 RM942.18 RM557.32 RM158,291.25 4/10/2017 49 RM1,499.50 RM945.48 RM554.02 RM157,345.77 4/11/2017 50 RM1,499.50 RM948.79 RM550.71 RM156,396.98 4/12/2017 51 RM1,499.50 RM952.11 RM547.39 RM155,444.87 4/1/2018 52 RM1,499.50 RM955.44 RM544.06 RM154,489.43 4/2/2018 53 RM1,499.50 RM958.79 RM540.71 RM153,530.64 4/3/2018 54 RM1,499.50 RM962.14 RM537.36 RM152,568.50 4/4/2018 55 RM1,499.50 RM965.51 RM533.99 RM151,602.99 4/5/2018 56 RM1,499.50 RM968.89 RM530.61 RM150,634.10----------- reduce 50k then interest accumulated above need not pay for 56 pymt 4/6/2018 57 RM1,499.50 RM972.28 RM527.22 RM149,661.82 4/7/2018 58 RM1,499.50 RM975.68 RM523.82 RM148,686.14 4/8/2018 59 RM1,499.50 RM979.10 RM520.40 RM147,707.04 4/9/2018 60 RM1,499.50 RM982.53 RM516.97 RM146,724.51 4/10/2018 61 RM1,499.50 RM985.96 RM513.54 RM145,738.55 4/11/2018 62 RM1,499.50 RM989.42 RM510.08 RM144,749.13 4/12/2018 63 RM1,499.50 RM992.88 RM506.62 RM143,756.25 4/1/2019 64 RM1,499.50 RM996.35 RM503.15 RM142,759.90 4/2/2019 65 RM1,499.50 RM999.84 RM499.66 RM141,760.06 4/3/2019 66 RM1,499.50 RM1,003.34 RM496.16 RM140,756.72 4/4/2019 67 RM1,499.50 RM1,006.85 RM492.65 RM139,749.87 4/5/2019 68 RM1,499.50 RM1,010.38 RM489.12 RM138,739.49 4/6/2019 69 RM1,499.50 RM1,013.91 RM485.59 RM137,725.58 4/7/2019 70 RM1,499.50 RM1,017.46 RM482.04 RM136,708.12 4/8/2019 71 RM1,499.50 RM1,021.02 RM478.48 RM135,687.10 4/9/2019 72 RM1,499.50 RM1,024.60 RM474.90 RM134,662.50 4/10/2019 73 RM1,499.50 RM1,028.18 RM471.32 RM133,634.32 4/11/2019 74 RM1,499.50 RM1,031.78 RM467.72 RM132,602.54 4/12/2019 75 RM1,499.50 RM1,035.39 RM464.11 RM131,567.15 4/1/2020 76 RM1,499.50 RM1,039.01 RM460.49 RM130,528.14 4/2/2020 77 RM1,499.50 RM1,042.65 RM456.85 RM129,485.49 4/3/2020 78 RM1,499.50 RM1,046.30 RM453.20 RM128,439.19 4/4/2020 79 RM1,499.50 RM1,049.96 RM449.54 RM127,389.23 4/5/2020 80 RM1,499.50 RM1,053.64 RM445.86 RM126,335.59 4/6/2020 81 RM1,499.50 RM1,057.33 RM442.17 RM125,278.26 4/7/2020 82 RM1,499.50 RM1,061.03 RM438.47 RM124,217.23 4/8/2020 83 RM1,499.50 RM1,064.74 RM434.76 RM123,152.49 4/9/2020 84 RM1,499.50 RM1,068.47 RM431.03 RM122,084.02 4/10/2020 85 RM1,499.50 RM1,072.21 RM427.29 RM121,011.81 4/11/2020 86 RM1,499.50 RM1,075.96 RM423.54 RM119,935.85 4/12/2020 87 RM1,499.50 RM1,079.72 RM419.78 RM118,856.13 4/1/2021 88 RM1,499.50 RM1,083.50 RM416.00 RM117,772.63 4/2/2021 89 RM1,499.50 RM1,087.30 RM412.20 RM116,685.33 4/3/2021 90 RM1,499.50 RM1,091.10 RM408.40 RM115,594.23 4/4/2021 91 RM1,499.50 RM1,094.92 RM404.58 RM114,499.31 4/5/2021 92 RM1,499.50 RM1,098.75 RM400.75 RM113,400.56 4/6/2021 93 RM1,499.50 RM1,102.60 RM396.90 RM112,297.96 4/7/2021 94 RM1,499.50 RM1,106.46 RM393.04 RM111,191.50 4/8/2021 95 RM1,499.50 RM1,110.33 RM389.17 RM110,081.17 4/9/2021 96 RM1,499.50 RM1,114.22 RM385.28 RM108,966.95 4/10/2021 97 RM1,499.50 RM1,118.12 RM381.38 RM107,848.83 4/11/2021 98 RM1,499.50 RM1,122.03 RM377.47 RM106,726.80 4/12/2021 99 RM1,499.50 RM1,125.96 RM373.54 RM105,600.84 4/1/2022 100 RM1,499.50 RM1,129.90 RM369.60 RM104,470.94 4/2/2022 101 RM1,499.50 RM1,133.85 RM365.65 RM103,337.09 4/3/2022 102 RM1,499.50 RM1,137.82 RM361.68 RM102,199.27 4/4/2022 103 RM1,499.50 RM1,141.80 RM357.70 RM101,057.47 4/5/2022 104 RM1,499.50 RM1,145.80 RM353.70 RM99,911.67 4/6/2022 105 RM1,499.50 RM1,149.81 RM349.69 RM98,761.86 4/7/2022 106 RM1,499.50 RM1,153.83 RM345.67 RM97,608.03 4/8/2022 107 RM1,499.50 RM1,157.87 RM341.63 RM96,450.16 4/9/2022 108 RM1,499.50 RM1,161.92 RM337.58 RM95,288.24 4/10/2022 109 RM1,499.50 RM1,165.99 RM333.51 RM94,122.25 4/11/2022 110 RM1,499.50 RM1,170.07 RM329.43 RM92,952.18 4/12/2022 111 RM1,499.50 RM1,174.17 RM325.33 RM91,778.01 4/1/2023 112 RM1,499.50 RM1,178.28 RM321.22 RM90,599.73 4/2/2023 113 RM1,499.50 RM1,182.40 RM317.10 RM89,417.33 4/3/2023 114 RM1,499.50 RM1,186.54 RM312.96 RM88,230.79 4/4/2023 115 RM1,499.50 RM1,190.69 RM308.81 RM87,040.10 4/5/2023 116 RM1,499.50 RM1,194.86 RM304.64 RM85,845.24 4/6/2023 117 RM1,499.50 RM1,199.04 RM300.46 RM84,646.20 4/7/2023 118 RM1,499.50 RM1,203.24 RM296.26 RM83,442.96 4/8/2023 119 RM1,499.50 RM1,207.45 RM292.05 RM82,235.51 4/9/2023 120 RM1,499.50 RM1,211.68 RM287.82 RM81,023.83 4/10/2023 121 RM1,499.50 RM1,215.92 RM283.58 RM79,807.91 4/11/2023 122 RM1,499.50 RM1,220.17 RM279.33 RM78,587.74 4/12/2023 123 RM1,499.50 RM1,224.44 RM275.06 RM77,363.30 4/1/2024 124 RM1,499.50 RM1,228.73 RM270.77 RM76,134.57 4/2/2024 125 RM1,499.50 RM1,233.03 RM266.47 RM74,901.54 4/3/2024 126 RM1,499.50 RM1,237.34 RM262.16 RM73,664.20 4/4/2024 127 RM1,499.50 RM1,241.68 RM257.82 RM72,422.52 4/5/2024 128 RM1,499.50 RM1,246.02 RM253.48 RM71,176.50 4/6/2024 129 RM1,499.50 RM1,250.38 RM249.12 RM69,926.12 4/7/2024 130 RM1,499.50 RM1,254.76 RM244.74 RM68,671.36 4/8/2024 131 RM1,499.50 RM1,259.15 RM240.35 RM67,412.21 4/9/2024 132 RM1,499.50 RM1,263.56 RM235.94 RM66,148.65 4/10/2024 133 RM1,499.50 RM1,267.98 RM231.52 RM64,880.67 4/11/2024 134 RM1,499.50 RM1,272.42 RM227.08 RM63,608.25 4/12/2024 135 RM1,499.50 RM1,276.87 RM222.63 RM62,331.38 4/1/2025 136 RM1,499.50 RM1,281.34 RM218.16 RM61,050.04 4/2/2025 137 RM1,499.50 RM1,285.82 RM213.68 RM59,764.22 4/3/2025 138 RM1,499.50 RM1,290.33 RM209.17 RM58,473.89 4/4/2025 139 RM1,499.50 RM1,294.84 RM204.66 RM57,179.05 4/5/2025 140 RM1,499.50 RM1,299.37 RM200.13 RM55,879.68 4/6/2025 141 RM1,499.50 RM1,303.92 RM195.58 RM54,575.76 4/7/2025 142 RM1,499.50 RM1,308.48 RM191.02 RM53,267.28 4/8/2025 143 RM1,499.50 RM1,313.06 RM186.44 RM51,954.22 4/9/2025 144 RM1,499.50 RM1,317.66 RM181.84 RM50,636.56 4/10/2025 145 RM1,499.50 RM1,322.27 RM177.23 RM49,314.29 4/11/2025 146 RM1,499.50 RM1,326.90 RM172.60 RM47,987.39 4/12/2025 147 RM1,499.50 RM1,331.54 RM167.96 RM46,655.85 4/1/2026 148 RM1,499.50 RM1,336.20 RM163.30 RM45,319.65 4/2/2026 149 RM1,499.50 RM1,340.88 RM158.62 RM43,978.77 4/3/2026 150 RM1,499.50 RM1,345.57 RM153.93 RM42,633.20 4/4/2026 151 RM1,499.50 RM1,350.28 RM149.22 RM41,282.92 4/5/2026 152 RM1,499.50 RM1,355.01 RM144.49 RM39,927.91 4/6/2026 153 RM1,499.50 RM1,359.75 RM139.75 RM38,568.16 4/7/2026 154 RM1,499.50 RM1,364.51 RM134.99 RM37,203.65 4/8/2026 155 RM1,499.50 RM1,369.29 RM130.21 RM35,834.36 4/9/2026 156 RM1,499.50 RM1,374.08 RM125.42 RM34,460.28 4/10/2026 157 RM1,499.50 RM1,378.89 RM120.61 RM33,081.39 4/11/2026 158 RM1,499.50 RM1,383.72 RM115.78 RM31,697.67 4/12/2026 159 RM1,499.50 RM1,388.56 RM110.94 RM30,309.11 4/1/2027 160 RM1,499.50 RM1,393.42 RM106.08 RM28,915.69 4/2/2027 161 RM1,499.50 RM1,398.30 RM101.20 RM27,517.39 4/3/2027 162 RM1,499.50 RM1,403.19 RM96.31 RM26,114.20 4/4/2027 163 RM1,499.50 RM1,408.10 RM91.40 RM24,706.10 4/5/2027 164 RM1,499.50 RM1,413.03 RM86.47 RM23,293.07 4/6/2027 165 RM1,499.50 RM1,417.97 RM81.53 RM21,875.10 4/7/2027 166 RM1,499.50 RM1,422.94 RM76.56 RM20,452.16 4/8/2027 167 RM1,499.50 RM1,427.92 RM71.58 RM19,024.24 4/9/2027 168 RM1,499.50 RM1,432.92 RM66.58 RM17,591.32 4/10/2027 169 RM1,499.50 RM1,437.93 RM61.57 RM16,153.39 4/11/2027 170 RM1,499.50 RM1,442.96 RM56.54 RM14,710.43 4/12/2027 171 RM1,499.50 RM1,448.01 RM51.49 RM13,262.42 4/1/2028 172 RM1,499.50 RM1,453.08 RM46.42 RM11,809.34 4/2/2028 173 RM1,499.50 RM1,458.17 RM41.33 RM10,351.17 4/3/2028 174 RM1,499.50 RM1,463.27 RM36.23 RM8,887.90 4/4/2028 175 RM1,499.50 RM1,468.39 RM31.11 RM7,419.51 4/5/2028 176 RM1,499.50 RM1,473.53 RM25.97 RM5,945.98 4/6/2028 177 RM1,499.50 RM1,478.69 RM20.81 RM4,467.29 4/7/2028 178 RM1,499.50 RM1,483.86 RM15.64 RM2,983.43 4/8/2028 179 RM1,499.50 RM1,489.06 RM10.44 RM1,494.37 4/9/2028 180 RM1,499.60 RM1,494.37 RM5.23 RM0.00 GRAND TOTAL RM269,910.10 RM200,000.00 RM69,910.10 RM0.00 new interest RM 35229 new last payment date is on january 2024 however you lost the opportunity cost .It depend on individual requirement that is a very detailed calculation. but how much interest is saved? is it 34.7k? (69,910 - 35,229) i noticed you only put in 50k on year 5, so i made a simulation on AS1M compounding dividend for 10 years Dividend 6.7 Year 1 50,000 2 53,350 3 56,924 4 60,738 5 64,808 6 69,150 7 73,783 8 78,726 9 84,001 10 89,629 you get 39.6k dividend (89,629 - 50,000) am i correct in this calculations?
Card PM	Report Top Like Quote Reply

lucifah	Oct 5 2013, 12:00 PM Return to original view \| Post #82
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(myhvictor @ Oct 5 2013, 10:49 AM) you are right You didn't consider inflation rate , as 50K now is not equivalent to 50k 10 year later based on 3% inflation rate the 95K only worth 71k after 10 year i am interested in your last statement. many of us would have overlooked the inflation factor simplifying things up, the dividends generated for 10 years would "only worth" 21k? (71k - 50k) doesn't this mean that reducing the principal will be the more logical choice? it'd save you rm 34k vs rm 21k? this is getting very interesting.
Card PM	Report Top Like Quote Reply

lucifah	Oct 8 2013, 01:43 PM Return to original view \| Post #83
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(acmilan2005 @ Oct 8 2013, 01:41 PM) Need some enlighten here, recently I have updated my ASW2020 after couple of years. I discovered that no dividends have been credited from the year 1999-2004. Has anyone here gone through the same? Thank you. from 1999 - 2004, they issue cheques for the dividends
Card PM	Report Top Like Quote Reply

lucifah	Oct 8 2013, 01:51 PM Return to original view \| Post #84
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(areankim @ Oct 8 2013, 01:47 PM) from my yearly statement, it seems to be added into my total units... never get any cheques... starting 2005 they re-invest dividends into your account
Card PM	Report Top Like Quote Reply

lucifah	Oct 9 2013, 10:36 AM Return to original view \| Post #85
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(Ancient-XinG- @ Oct 9 2013, 10:31 AM) lucifah eh? i was busy doing loan simulations and inflation hike effects
Card PM	Report Top Like Quote Reply

lucifah	Oct 10 2013, 12:36 PM Return to original view \| Post #86
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(MGM @ Oct 10 2013, 12:31 PM) Maybe what he is trying to say is govt. no money to pay interest on these, and since election is over no need to create feel good enviroment, so lower dividend, No?? that's what is being pointed out here. the ASB dividends are not paid by the govt. instead, the govt makes it easier for ASB to derive the dividends from their investment, which again, i have no liberty to discuss here. maybe over a nice cup of coffee. but not online.
Card PM	Report Top Like Quote Reply

lucifah	Oct 10 2013, 03:06 PM Return to original view \| Post #87
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(cybermaster98 @ Oct 10 2013, 02:46 PM) The point im trying to make is that the dividends this year will NOT be as good as last year regardless where the profits come from and if its only paper dividends. history has shown that ASB dividend is always in tandem with BLR rate. but let's not use past performance to predict the future
Card PM	Report Top Like Quote Reply

lucifah	Oct 10 2013, 04:08 PM Return to original view \| Post #88
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(hyelbaine @ Oct 10 2013, 04:04 PM) True that. When measuring the spread between dividends (ex-bonus) and BLR, the average since 1990 till 2012 is 0.8%. It even went negative during the early 90's and of course during 1998 of course. Again I've excluded bonus in the equation as it's not an absolute figure but taken over 120 months or 10 years. Food for thought for those thinking of taking ASB loans, don't fall for the "selling" tactic used by banks who always quote bonus as though it is absolute when it isn't. i agree many people got duped by ASB return = dividend + bonus = 7.75 + 1.15 = 8.9% that is why most of my example calculations here exclude the bonus calculations. and since i fvcked up my ASB records (depleting almost zero balance during my dark years), my bonus is affected. in fact, my effective bonus for 2012 is actually just a mere 0.2% of my current ASB balance, which is pathetic.
Card PM	Report Top Like Quote Reply

lucifah	Oct 10 2013, 05:07 PM Return to original view \| Post #89
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(hyelbaine @ Oct 10 2013, 04:59 PM) For everyone's benefit (especially those silent readers who may be contemplating ASB loan due to the rumor that ASB loan tenure would be capped at 10 years) here's the image of the ASB dividend vs BLR spread. Again, don't fall for the bank's sweet talk. The margin is smaller than you think [attachmentid=3669058] but still, a +1.15% over the BLR (based on 2012 returns), is still acceptable... and if you include the BLR -1.65% offered, then it will be 1.15% + 1.65% = 2.8% above the interest charged? correct me if i'm wrong This post has been edited by lucifah: Oct 10 2013, 05:09 PM
Card PM	Report Top Like Quote Reply

lucifah	Oct 10 2013, 05:16 PM Return to original view \| Post #90
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(davinz18 @ Oct 10 2013, 05:14 PM) Some of the year the total dividend is 14% Very2 lucky those holding big amount those time during that time, BLR is 11%... and no, u got it wrong. it's NOT the dividend, but the BONUS that is high (3%) like mentioned previously, BONUS = fake percentage
Card PM	Report Top Like Quote Reply

lucifah	Oct 10 2013, 05:20 PM Return to original view \| Post #91
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(hyelbaine @ Oct 10 2013, 05:15 PM) You're correct but I never bothered with the BLR-x.xx% portion of the equation because not everybody is guaranteed to get that rate. It would depend on the applicant's existing commitments, exposure and credit history/profile. It's the same logic I apply in terms of ASB bonuses too. Not everyone gets the absolute value and the same applies to the discount rate one may get from the base lending rate yup. you're right about the variables. they can change anytime, and is not absolute nor fixed. can you teach me how you get the effective rate based on the dividend, bonus and BLR, as per your table?
Card PM	Report Top Like Quote Reply

lucifah	Oct 11 2013, 01:59 PM Return to original view \| Post #92
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(yklooi @ Oct 11 2013, 11:24 AM) found this site...seems like related to what you sifus are discussing... ASB is the only fund from ASNB that provides additional bonuses to their investors. That has raised quite a number of speculation with regards to the capability and sustainability of ASB. Is it even possible for any fund to provide returns even in the harshest of economy situation? http://invest-made-easy.blogspot.com/2013/...g-loans-to.html QUOTE(davinz18 @ Oct 11 2013, 12:21 PM) Thanks for sharing the site. The website got a lot of useful information & can clear some of the doubt i stopped reading when i reached the first table someone with deep knowledge about ASB will never lump together ASB returns = dividend + bonus, as the effective % rate for bonus is highly dependent on many factors, and is best ignored, unless your account balance is static > 10 years.
Card PM	Report Top Like Quote Reply

lucifah	Oct 23 2013, 05:52 PM Return to original view \| Post #93
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(natzakaria @ Oct 23 2013, 05:14 PM) Need your expert advise My ASB is fully loaded and I have not collected dividends for the longest time. Should I take out the dividends and dump it in another Amanah Saham or leave it there let it inside ASB. the dividend is compounded that means your dividend is generating dividend
Card PM	Report Top Like Quote Reply

lucifah	Oct 28 2013, 08:03 AM Return to original view \| Post #94
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(davinz18 @ Oct 26 2013, 01:45 PM) It's your luck, others people try few times also failed to get any QUOTE(Mickey C @ Oct 26 2013, 04:20 PM) why u so lucky, can give us 4D no. to buy???? QUOTE(wil-i-am @ Oct 27 2013, 05:27 PM) Buy jackpot n lottery QUOTE(plumberly @ Oct 27 2013, 05:38 PM) Have tried that and can only say, better luck next time! Ha. QUOTE(guy3288 @ Oct 28 2013, 12:03 AM) anybody going to try top up tomorrow morning? i have something to do at CIMB, will try there. QUOTE(davinz18 @ Oct 28 2013, 12:26 AM) Again? I salute your determination on getting the units has this thread become a chat thread? if yes, i will move it to kopitiam please keep to discussions and not idle chats about topping up, luck and all that. this is not kopitiam.
Card PM	Report Top Like Quote Reply

lucifah	Oct 30 2013, 10:03 AM Return to original view \| Post #95
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	Time to digest Budget 2014 Nothing mentioned about abolishment of ASB financing. I guess the ruse made up by banks were to stir up the market
Card PM	Report Top Like Quote Reply

lucifah	Nov 3 2013, 08:29 AM Return to original view \| Post #96
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(plumberly @ Nov 3 2013, 07:37 AM) In following this thread, noted that sellers are mostly those with AS1M and ASW2020. Why? Something not right / not secured with these units? No ASM sellers? Cheerio. as far as i recall, all three amanah saham gives similar return this year maybe the difficulty in obtaining the fund as non-bumi quota is finished... ASM - 6.8% + special dividend AS1M - 6.7% ASW2020 - 6.7%
Card PM	Report Top Like Quote Reply

lucifah	Nov 11 2013, 04:28 PM Return to original view \| Post #97
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(ShinG3e @ Nov 11 2013, 04:19 PM) Guys, wanna ask about this ASB thingy. The dividend will be declared this coming December right? When will be the last day to deposit money inside the account? Or they kira full pro-rated depends on the date you deposit. Kindly advice. dividend is calculated based on the lowest balance of each month the cut off date / grace period is the 1st of each month
Card PM	Report Top Like Quote Reply

lucifah	Nov 11 2013, 04:32 PM Return to original view \| Post #98
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(ShinG3e @ Nov 11 2013, 04:29 PM) So if example, 2013 balance is 100k. September deposit 30K = Total 130K as of September 2013 December declare % So apa mcm? on what day of september did you put it in?
Card PM	Report Top Like Quote Reply

lucifah	Nov 11 2013, 04:55 PM Return to original view \| Post #99
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(ShinG3e @ Nov 11 2013, 04:33 PM) 12th. then the additional 30k will be calculated into their pro-rated calculations from october onwards
Card PM	Report Top Like Quote Reply

lucifah	Nov 12 2013, 08:15 PM Return to original view \| Post #100
St. Fu Staff 7,948 posts Joined: Jan 2005 From: Soviet Sarawak	QUOTE(blackcsc @ Nov 12 2013, 04:58 PM) Hi all sifu sekalian, i went to reg a new AS1M account y'day and got rejected as the system shown the quota is filled @@ can anyone confirmed on that ? Even for the Bumi quota is filled ? I tot AS1M for Bumi one still available ? QUOTE(davinz18 @ Nov 12 2013, 06:07 PM) AS1M bumi quota sold-out? I tot still got a lot available & can add anytime last i checked still available easiest way to check is try to top up via online banking. if the option is there, then it means the fund is still available
Card PM	Report Top Like Quote Reply

« Next Oldest · Finance, Business and Investment House · Next Newest »

13 Pages « < 3 4 5 6 7 > » Top

Topic ClosedOptions

Change to:

0.8551sec

0.81

7 queries

GZIP Disabled
Time is now: 9th December 2025 - 07:31 PM

All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)

Removal Request

Powered by Invision Power Board © 2025 IPS, Inc.