You sure have a $ angel helping you! Ha.

It was a very disappointing and frustrating day for me today. Thought it was a good idea to do a few things (7 of them) in one go when I went to town but it back fired on me. 

1. Went to a bank after lunch but it was not open until 1:45 pm for the Friday prayer. So waited for about 30 mins there. Second surprise was they did not have enough RM50s for my FD withdrawal (now don't jump the gun, not a lot lah, only XX,000). Waited for another 30 mins for them to sort this out.

2. Went to another bank to withdraw and the bank was packed. Did not bring my Priority Banking card but managed to jump queue after talking to the officer there. 

3. Went to a bank to try my luck on the ASX. After my number was called, went to the counter and the teller told me to find a seat and wait. He called me back after some 3 mins only to tell me that no units were available. Don't really know whether he checked or not. One MB staff is considerate enough to show me the screen when he checked for units. Others do it behind "curtains". Ha. 

4. Got a parking fine on my return form the bank. I was only 5 mins past my ticket time! Now I will have to pay for the fine! Adding salt to my injury! 

Learning for me is to avoid going to the banks on Fri (too many people and especially so being at the end of the month). And avoid doing too many things in one trip to town!

Cheerio.

Who knows, that could be my life saving?

You are entitled to your opinion on what you see or read but please respect others and not hastily jump to your conclusion.
Thanks!

On fixed price vs variable price funds, fixed is better for me as I know I will be getting X% per year in dividend and not worry about the price. There are some shares in KLSE where they give one x% dividends but still making a lost due to the declining share prices. So work within my money risk profile.

Yeah, something like that...maybe they will add on some Critical Illness coverage...but just wondering how many % they able to give us? they always showed us 2 columns, one is lower % and the other one with higher % (if they perform well)

Do these kind of saving plan attracted to you guys? personally, I don't really fancy it due to they have certain maturity date to comply before you can withdraw the money hence limited the flexibility as compared to ASX fund...am i right?

I manage to get 1k at one shot. This is after several times of trying over last 2 months. Thank u for whoever that sell the 1k as1m non-bumi lot.

Dont give up as sometimes u may have luck.

Around RM35 on 1st Oct 2014 (pro-rated 6mth dividend, assume 7sen) 

Would the dividend be taxed 25%?

juz realized that ASB2 financial year is 31March juz like ASM & ASG.
Another thing what's with the "aset campuran" thingy? Equiti should be more appropriate

it's also benchmark against  5-year MGS yield (juz hope AS1M saga don't repeat again  )

about 66k per annum

or rm 5,500 per month

tax free

not bad 

pls elaborate further. i am interested.... 

will do. will do.

i just want to know whether the 10% is after deducting SC and also is it a guaranteed return of 10% every year?

a bit off topic, but what is drawdown?

and by 64% profit, do you mean that every RM 100 invested gets a return of RM 64?

i'm a bit noobie with regards of other investment instruments 

I see. And I agree with that approach/strategy. Peace of mind and also with a smiling face knowing your $$$ are working hard for you! Ha. Though not >10% in UT or shares, it is already about twice the FD return. That is, RM30,000 EXTRA compared to FD! And once you have RM3 million in ASNB, it will be RM90,000 pa EXTRA cf FD!
Agree. There are returns at 15, 20, 25 ... % but are they consistent? They may be for a year or 2 and then negative growth. PB's regular saving fund has done pretty good at about annualised 10% return but I still prefer to be the captain of my $$$ ship and not rely on others. Just look at the hundreds of UT in the market. How many are really giving consistent good returns? From EPF's story, bulk of the people who took money out for UT investment did not do well, with negative growth. Maybe due to the 2009 crash?

Cheerio.

Saw that in the newspapers.

I also took some money out from my EPF to invest in UT in the 2000's. But luckily for me, I withdrew all my UT and transferred back to my EPF 1-2 yrs before the 2009 crash. Lucky timing? Guess so.

Cheerio.

first hand experience here. i was just playing and testing water

w/draw a sum of money from EPF and put it in aggressive growth fund

after 1 yr, w/draw all and compare to EPF return

i get a bit less than what EPF gives after minus all the SC

in short, it was not impressive at all and needs me to monitor the market every now and then
or maybe i am just a newbie. later research more on UT