Look on the bright side. This unfair practice will push us  to be more financial savvy instead of being spoonfed. It forces us to look for alternative investment and this learning experience is invaluable. This happen in the biz environment too where we still thrive despite of the many obstacles. Same thing happens in the Property market where we dont enjoy any discount and yet we invested in properties which has shot up in price and these properties can be traded without restriction because they are non-bumi lots. We thrive on frustration, disappointment, deprivation, discrimination and suppression and grow stronger.

I did remember my cousin (who works as ASB agent for RHB) mentioned something about dividends being part of the calculation to "increase" your limit from 200k. I am confused anyway … but since my target to max out is suddenly RM88k now, I'll just top up whenever I have some $$ then.