Thanks for the wonderful thread. Have a few questions to ask the sifus here.

Planning on opening ASG-persaraan. The dividend rate is around 7.3%.

1) However, the return will be lower right? The return will only be 7.3%-annual management fee 1.5% -annual trust fee 0.07%=5.73%?

2) Understand that its variable pricing for this UT. However, I can't seem to find the price for 1 unit of this. Can anyone provide the link. Don't want to buy when the Unit trust price is high.

3a) Is the annual management fee and annual trust fee deducted immediately when we first opened the account of after 1 year later?

3b) For the 2nd year, are these fees deducted at the end of the year or beginning of the year? Are they deducted at the end of December (calendar year end) or March (financial year end)?

3c) Are the fees based on the $ amount at the end of a certain period? If so, can always adjust the $ amount to reduce it before the fees and increase it before dividend payout.

Thanks for the help

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

This post has been edited by sav123456: Feb 25 2014, 04:23 PM

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.

Thanks
Yeah, fund close--no units available.


Its ok. I'm hoping the price will go up again after some time--hopefully.

This post has been edited by sav123456: Feb 25 2014, 07:10 PM