so is through bank/post office? how bout online?

bro, u need to do some reading 1st, not forgetting visiting ASNB website.

Pity to Ancient-XinG- , He gave almost all the basis info needed for those newbie in the 1st & 2nd posting, & yet u still asking here 

I also years ago didn't know much about these amanah saham thingy, so I did some reading & research (mind u at that time internet is still new & 56kps dail-up connection yo ) so u can imagine how "fast" the website loads   
& there's no one to help me    unlike now we have LYN to help those newbie

Also stated in their web sites that non bumi units have been all subscribed.

subscribed which mean out of stock already? but sometimes if people sold their unit, we still able to add on / buying their unit through bank / pos office right? but not online anymore?

if really seems so, the only way is everyday go to pos office / bank 

i got an account for ASM, but my previos statement show me that i can make more purchase through online like rhb, cimb maybank etc.

i think this is the more effective way just stay online and can make additional purchase. (without going to bank / pos office) because working hours u know right, only can go out during lunch time.

bro, never listen & believe 100% what the banks staff said. u know why they said like that (bcoz they donwan 2 see u again in their branch "trying" & wasting their time )

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?

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 

u MIA so long, now only u active here..  u quietly accumulating ASM units
The Luck Factor 

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 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=MYKNGGF

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. 

Hence the importance of the track record. Thats why its important to invest in funds with at least a 10 yr track record. Plus those who get burnt in variable UT's are those who go in short term thus increasing their risks by a huge margin. If you can maintain your investment for at least 5-10yrs, what have u to worry? Even if you have a couple of years of negative returns, it wont matter cuz the returns will even out over the longer term. Btw, you can only make losses if you sell so if you have the holding power (just like property) why would you worry? Diversification of investments is important.

Plus, its very important to choose funds with good and proven fund managers. Lee Sook Yee is well known in the financial industry. She was formerly Head of Equities at Meridian Asset Management whr she managed >RM 1 billion in assets.

When you choose a unit trust fund, risk is very important concern. That’s why the Sharpe Ratio (SR) comes into play. The SR ratio was developed by Nobel laureate William F. Sharpe to measure risk-adjusted performance for investment funds. All unit trust funds in the world have an assigned Sharpe Ratio. The higher the SR, the higher the risk adjusted returns of the fund meaning if the SR value is higher, then the potential returns of the fund far outweighs the downside risk of the fund. KGF has a SR of 1.57 which is quite high for a moderate risk fund.

There are 612 different approved unit trust investments in Malaysia valued at RM 350 billion currently. So choosing the right fund is important. YOu earn through appreciation of the NAV and also the dividend payout. In 2012, Kenanga declared a 2 for 1 dividend meaning for every unit you owned, you would get 2 units in return. That’s a 200% return based on number of units alone.

In any investment, there are always cycles. If you can weather the storms with a good financial backing, then why worry about future gains?

Nah the link that you posted up isn't the full book. The full book is almost about 200 pages.
Thats the part that i wanted to know. How much did you buy the book for ?

I was expecting to see such a suggestion from reading the book haha.

But yeah, the more competition that you participate in, the higher would be your chances of winning it.

In terns of ASX, the more frequent visits that you make to either Pos, or the participating banks, the higher is your chance of securing some units

Talking about competitions, any of you guys here are going to place your deposits with Affin Bank ?

Realised that they are having a competition and the first price is a mercedes benz cla My Webpage

Did you choose to open up their FD or savings account ?

How large is yo large sum?

my question here probably has been asked by others.

Sorry, it too much for me to got page by page.

I just want to ask whether it is good idea to take personal loan (not asb loan) and put it on ASB account. Monthly payment just use my money.

Anybody have done this? Hope you guys can share with me..
thanks.

Congrats
Dedicated a song for u -> Title : Some Guys Have All The Luck
http://www.azlyrics.com/lyrics/rodstewart/...alltheluck.html