Wow, that's quite some info you got there. Mana dapat? I've heard about the exam/license thingy but didn't know it was mandatory by law. Was under the impression it was a nice to have thingy.

It may just be me but most of the PM agents that come up to me wouldn't have the card or license thingy if I ask them. Will try asking for it the next time I get approached

Not perli lah, I genuinely didn't know it was a mandatory thing given the fact that many PM agents don't seem to have it. Wonder what's the penalty like if one is caught selling without FIMM card/license thingy

From what I can gather in this thread and also the previous 4 threads, any account opening exercise is best suited to be done via ASNB branches or less frequently visited POS Malaysia branches. Doing it via any of the 3 banks is as good as nothing unless you already have an established with the said branch ie: you know the branch manager or equivalent otherwise if you're walking-in than you're not going to achieve anything.

Theoretically variable priced funds should earn more than fixed priced funds because the former provides you with 2 source of income, price appreciation + dividend distribution while the latter only provides dividend distribution. I also realised that people tend to look at returns purely from a dividend POV only and not yield. Yield is always the best way to judge a funds performance in my view.

Which is why when ASNB announced the unit split for ASN2, many of my friends were a tad bit disappointed. They'd much prefer a reduction in ISC like the ASG campaign last year (2%) as compared to cheaper units. I know many of them who bought during the ASG ISC discount campaign thingy are now just waiting for the right time to cash out as they don't have to wait too long as compared to if the ISC stays at 5%