Yes it does not seem like a good deal, I calculated it once, it was like 1-2% per year, and that was their best case scenario if people want insurance they should buy insurance, if they want to invest they should invest. All these hybrid plans, not enough coverage and also not enough return

IF investing in ASB is harus,then how about if i borrow money?Is this considered as borrowing money from the nak with INTEREST RATE?As far as i know money borrowing with Interest Rate is prohibited for Muslim?Please enlighten me if I'am wrong.

i really pity "pious" guys like these, who debate endlessly about riba, interest and such but still watch pirated anime, listen to pirated music, buy photocopy of university text books... and not forgetting watching porn and fapping silently in the toilet of the campus

Anyway, I managed to top up another RM1450 into my ASM today

RM 350 + RM 150 in the morning

RM 100 + RM450 + RM400 in the afternoon 

Actually I am wondering is there any associated risk with this ASX fund? if government changed (if only if  ), will it affect this fund?

Yeah I guess something is wrong now. Having a lot of my non-bumi friends getting to too up their amanah saham accounts. I guess many people are selling off their units.

Is there anything to be worried off ? Signal of anything ?

if this is kopitiam, i may talk about some delicious rumours about the sources and backings of the ever performing Amanah Saham... 

2% service charges -v- 5% next week onwards

Yup, Pendidikan, Kesihatan n Persaraan

Hi all,
Just to share my ASG performance so far after 1.5 month, for those who are interested to know.

I had opened ASG (all the 3 funds) at end Jan 2014, after one month they have appreciated to cover the 2% SC (except for ASG-Pesaraan).

As of this week the returns are as follow after net off the 2% SC:
(the returns are purely based on unit price movement w/o dividend)
ASG-Pendidikan : cum roi = 0.40%; annualized roi = 3.98%
ASG-Kesihatan : cum roi = 0.67%; annualized roi = 6.85%
ASG-Persaraan : cum roi = -0.09%; annualized roi = -0.84%
ASG-overall : cum roi = 0.33%; annualized roi = 3.29%

Note 1: Diversify to get all the 3 funds seems better in risk management as shown here. 
Note 2: roi is slower at the start as it has to overcome the 2% SC. Annualized roi should grow along the year.

I rmb i last bank in 31/7/13 NAV was 1.18 (after 2% imposed.) now the NAV is 1.223.

Generally what are you guys choice after ASB and ASW2020 ?

how to calculate?

Annualized ROI = (1.223-1.18) / 1.18 / (14Mar2014 - 31Jul2013) * 365 = 5.89%

noted 
ok noted 

Really   

Maybe someday they should issue one fund Amanah saham only for muslim.

I think so.....

Any1 know where is d venue of MSAM 2014?