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ASN, ASN2, ASN3, ASG, ASB, ASW2020, ASM, ASD, AS1M, AMANAH SAHAM NASIONAL BERHAD V5
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wil-i-am
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 Jul 28 2014, 06:26 PM
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QUOTE(plumberly @ Jul 28 2014, 05:32 PM) Ha ha! 2 sides to every coin. Which is why I decided to try it in the morning at PM. You will not know till you try it. Listen to others and then decide on your action. Some truth to both stories. And they all depend on one thing ... . . . . LUCK!Cheerio. For me, best time to top up is d day after they paid annual dividend Having said tat, any day is gud for top up subject to LUCK  |
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plumberly
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Jul 28 2014, 07:06 PM
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QUOTE(wil-i-am @ Jul 28 2014, 06:26 PM) For me, best time to top up is d day after they paid annual dividend Having said tat, any day is gud for top up subject to LUCK I did not get much in the previous D day. I did not try hard enough thinking it would be over a few days. If I remember correctly, one friend in this forum got > RM90K! P/S Started reading a book called Luck Factor last night. Interesting book. You may know some people who seem to be luckier than others. Can that be explained? Or is it all by chance? This professor says there are 4 principles behind luck. So, ....    Luck to me is: * when preparation meets opportunity * the harder I try, the luckier I get Sorry, off topic. This post has been edited by plumberly: Jul 28 2014, 08:07 PM |
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davinz18
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Jul 28 2014, 10:29 PM
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QUOTE(cx2531 @ Jul 28 2014, 01:57 AM) but when u visit ASNB ebanking. Got note saying AS1M (Non Bumi Allocation), ASW2020, ASM & ASD are fully subscribed. regarding this, i knew it is fully subscribed, but how about when someone sold their unit? just like bank / pos office if someone didn't sell off, we unable to buy = fully subscribed, if someone sold, we can purchase the unit. so the terms fully subscribed just to mention is no more stock available but doesn't mean we cant purchase it if somebody sold their unit off. correct me if im wrong. In the website Got small note saying "At the moment, this service (m2u) is offered for ASB additional investment only. Other additional ASNB investments are currently not available online." and yes, without opening an account, u cant purchase, so additional add on only available because we do required key in our member id before we make additional purchasing. When u do the transaction in banks or ASNB branch, the transaction is done "real-time" unlike online where the ASNB HQ need to "process" your transaction which is time consuming. That's why when u try luck at banks, u know on the spot if there's any available units (someone sold their units). Remember even u do online, u need to update your passbook at the banks or ASNB branch. In the end, u still need to go personally to the branch. There's no short-cut for it  don't ask me why we can try luck at branch but not online (non-bumi). That question can only be answered by ASNB officers  |
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davinz18
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Jul 28 2014, 10:32 PM
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QUOTE(csl1987 @ Jul 28 2014, 05:15 PM) But there is PM staff told me don't come too early also, because there might be lesser people withdrawing their ASX funds too  unless there is left-over from yesterday?  u MIA so long, now only u active here.. u quietly accumulating ASM units  QUOTE(plumberly @ Jul 28 2014, 07:06 PM) P/S Started reading a book called Luck Factor last night. Interesting book. You may know some people who seem to be luckier than others. Can that be explained? Or is it all by chance? This professor says there are 4 principles behind luck. So, .... Luck to me is: * when preparation meets opportunity * the harder I try, the luckier I get Sorry, off topic.  This post has been edited by davinz18: Jul 28 2014, 11:21 PM |
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sms2u
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Jul 28 2014, 11:36 PM
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QUOTE(plumberly @ Jul 28 2014, 07:06 PM) I did not get much in the previous D day. I did not try hard enough thinking it would be over a few days. If I remember correctly, one friend in this forum got > RM90K! P/S Started reading a book called Luck Factor last night. Interesting book. You may know some people who seem to be luckier than others. Can that be explained? Or is it all by chance? This professor says there are 4 principles behind luck. So, .... Luck to me is: * when preparation meets opportunity * the harder I try, the luckier I get Sorry, off topic. It depend on luck. But , most important , must know how to get better luck. |
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plumberly
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Jul 29 2014, 08:59 AM
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QUOTE(davinz18 @ Jul 28 2014, 10:32 PM) u MIA so long, now only u active here.. u quietly accumulating ASM units The Luck Factor You mean luck factor = whistling? Then I should start picking up this new hobby! Ha. |
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cybermaster98
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Jul 30 2014, 10:04 AM
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QUOTE(cybermaster98 @ Jul 28 2014, 12:57 AM) I made a withdrawal from ASB last week and moved funds into 2 variable UT funds. Kenanga Growth Fund (KGF) and Eastsprings Small Cap fund. I think taking on some risk is alright as long as ure planning for long term holdings. Besides security and lower risk, why do people still invest in fixed priced UT funds? |
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wil-i-am
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Jul 30 2014, 10:07 AM
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QUOTE(cybermaster98 @ Jul 30 2014, 10:04 AM) Besides security and lower risk, why do people still invest in fixed priced UT funds? On d spot liquidity |
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plumberly
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Jul 30 2014, 11:16 AM
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QUOTE(cybermaster98 @ Jul 28 2014, 12:57 AM) I made a withdrawal from ASB last week and moved funds into 2 variable UT funds. Kenanga Growth Fund (KGF) and Eastsprings Small Cap fund. I think taking on some risk is alright as long as ure planning for long term holdings. I may be 100% wrong with my line of reasoning here. With the global share markets making all time high in many places, the volatility and uneasy feeling in the markets (China, Germany slowing down, property "bubble", emerging market problems, etc), it may be time for another major correction. Unless the UT can deliver twice the ASNB rate, I prefer to keep my money in more secured places like FD and ASNB (though a global crash will also affect these). The smart ones can make money in good as well as bad time. But I am not one of them. Thus prefer ASNB for the time being. My 2 cents. Cheerio. |
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csl1987
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Jul 30 2014, 04:23 PM
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Getting Started
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[quote=davinz18,Jul 28 2014, 10:32 PM] u MIA so long, now only u active here.. u quietly accumulating ASM units Hehe, coz last few weeks not free to top up units...when i am back, no units for me~all grabbed by bro plumberly This post has been edited by csl1987: Jul 30 2014, 04:23 PM |
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cybermaster98
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Jul 30 2014, 05:22 PM
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QUOTE(plumberly @ Jul 30 2014, 11:16 AM) I may be 100% wrong with my line of reasoning here.
With the global share markets making all time high in many places, the volatility and uneasy feeling in the markets (China, Germany slowing down, property "bubble", emerging market problems, etc), it may be time for another major correction. Unless the UT can deliver twice the ASNB rate, I prefer to keep my money in more secured places like FD and ASNB (though a global crash will also affect these).
The smart ones can make money in good as well as bad time. But I am not one of them. Thus prefer ASNB for the time being.
My 2 cents. Cheerio. I too was only focusing on ASNB until i was recently informed about variable unit trusts. Did alot of research past 1 month before i moved about 17% of my funds from ASB. You should check the returns of funds like Kenanga Growth Fund. Annualised returns for the past 10 years was 17.2%pa. Cumulative returns for the past 10 years was 387%. http://www.fundsupermart.com.my/main/fundi...lnumber=MYKNGGFThis post has been edited by cybermaster98: Jul 30 2014, 05:23 PM |
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shankar_dass93
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Jul 30 2014, 08:13 PM
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QUOTE(plumberly @ Jul 28 2014, 05:32 PM) Ha ha! 2 sides to every coin. Which is why I decided to try it in the morning at PM. You will not know till you try it. Listen to others and then decide on your action. Some truth to both stories. And they all depend on one thing ... . . . . LUCK!Cheerio. Went over to KLCC to look for the book The luck Factor by Richard Wiseman and they had one copy in which they could locate it as t which part of the bookstore it was at. Assumed that a customers would have taken the book and placed it at a different shelve.  This post has been edited by shankar_dass93: Jul 30 2014, 08:13 PM |
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davinz18
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Jul 30 2014, 08:34 PM
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QUOTE(csl1987 @ Jul 30 2014, 04:23 PM) Hehe, coz last few weeks not free to top up units...when i am back, no units for me~all grabbed by bro plumberly oic. No problem. when got time u can try. the ASM scheme will be there (won't liquidated anytime soon), only units not sure available QUOTE(shankar_dass93 @ Jul 30 2014, 08:13 PM) Went over to KLCC to look for the book The luck Factor by Richard Wiseman and they had one copy in which they could locate it as t which part of the bookstore it was at. Assumed that a customers would have taken the book and placed it at a different shelve. I'm not sure if the link given is Full E-Book or not (not yet fully read it  ) The Luck Factor |
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wil-i-am
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Jul 30 2014, 10:58 PM
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QUOTE(cybermaster98 @ Jul 30 2014, 05:22 PM) I too was only focusing on ASNB until i was recently informed about variable unit trusts. Did alot of research past 1 month before i moved about 17% of my funds from ASB. You should check the returns of funds like Kenanga Growth Fund. Annualised returns for the past 10 years was 17.2%pa. Cumulative returns for the past 10 years was 387%. http://www.fundsupermart.com.my/main/fundi...lnumber=MYKNGGFI bot KGF n KSGF too D ony setback for non-bumi is once withdrawn, it's xtremely tough to re-deposit |
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TS[Ancient]-XinG-
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Jul 30 2014, 11:33 PM
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QUOTE(wil-i-am @ Jul 30 2014, 10:58 PM) I bot KGF n KSGF too D ony setback for non-bumi is once withdrawn, it's xtremely tough to re-deposit even kgf also like that?! |
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wil-i-am
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Jul 30 2014, 11:51 PM
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QUOTE(Ancient-XinG- @ Jul 30 2014, 11:33 PM) even kgf also like that?! Nope |
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cybermaster98
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Jul 31 2014, 08:23 AM
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QUOTE(wil-i-am @ Jul 30 2014, 10:58 PM) I bot KGF n KSGF too
D ony setback for non-bumi is once withdrawn, it's xtremely tough to re-deposit Why? As long as u still have remaining quota and your fund not maxed out you still can |
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plumberly
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Jul 31 2014, 08:36 AM
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[quote=csl1987,Jul 30 2014, 04:23 PM] [quote=davinz18,Jul 28 2014, 10:32 PM] u MIA so long, now only u active here.. u quietly accumulating ASM units Hehe, coz last few weeks not free to top up units...when i am back, no units for me~all grabbed by bro plumberly [/quote] My 888.88 sincere apology for grabbing your units. Will check for your name/ownership in the future. Will ask the staff to take someone's else units! Ha. Cheerio. |
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plumberly
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Jul 31 2014, 08:41 AM
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QUOTE(cybermaster98 @ Jul 30 2014, 05:22 PM) I too was only focusing on ASNB until i was recently informed about variable unit trusts. Did alot of research past 1 month before i moved about 17% of my funds from ASB. You should check the returns of funds like Kenanga Growth Fund. Annualised returns for the past 10 years was 17.2%pa. Cumulative returns for the past 10 years was 387%. http://www.fundsupermart.com.my/main/fundi...lnumber=MYKNGGFGood that you have done some homework before jumping in. I will be asking myself: * can the UT take a big beating if there is a crash? How did it perform in the last crash? * can it continue with the good returns? Any change in the management, UT objective, etc? * etc All the best with your investment journey! |
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plumberly
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Jul 31 2014, 08:45 AM
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QUOTE(shankar_dass93 @ Jul 30 2014, 08:13 PM) Went over to KLCC to look for the book The luck Factor by Richard Wiseman and they had one copy in which they could locate it as t which part of the bookstore it was at. Assumed that a customers would have taken the book and placed it at a different shelve. Maybe that was me misplacing the book? Ha. Still reading the book. Easy to read and with many interesting stories. Can relate to some of them. Know why some people have good luck in winning competitions? You will be surprised at the answer. And you can also apply their technique! Cheerio. |
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