Hi guys. Went to Maybank yesterday cluelessly, planning to start an ASB2 account. However the bank exec told me to look at ASG-Kesihatan instead, and he cited that the growth are more stable and on upward trend.

Should I agree with him and jump in with ASG-Kesihatan? Or are there other PNB funds that performs better?

Let me inform my objective first. I would like to save some of my saving accounts cash elsewhere to:
1. get better return than FD
2. minimal risk
3. easy liquidity - incase I need to take out and use it for emergency (marriage, house needs, etc... Yeah, I consider marriage fund as emergency, lol).

Not sure if I should go ahead with ASG-Kesihatan since all ASG have 5% sales charge. Even if est. 2015 returned is at 7.2%, I'll only get 2.2% max (7.2% - 5%) if the marriage fund is required for next year 

Anyone has an idea what's the best option for me? Will it still be any PNB funds with 0% sales charge?

Thanks everyone 

[attachmentid=4320414]

Hi guys. Went to Maybank yesterday cluelessly, planning to start an ASB2 account. However the bank exec told me to look at ASG-Kesihatan instead, and he cited that the growth are more stable and on upward trend.

Should I agree with him and jump in with ASG-Kesihatan? Or are there other PNB funds that performs better?

Let me inform my objective first. I would like to save some of my saving accounts cash elsewhere to:
1. get better return than FD
2. minimal risk
3. easy liquidity - incase I need to take out and use it for emergency (marriage, house needs, etc... Yeah, I consider marriage fund as emergency, lol).

Not sure if I should go ahead with ASG-Kesihatan since all ASG have 5% sales charge. Even if est. 2015 returned is at 7.2%, I'll only get 2.2% max (7.2% - 5%) if the marriage fund is required for next year 

Anyone has an idea what's the best option for me? Will it still be any PNB funds with 0% sales charge?

Thanks everyone 

[attachmentid=4320414]

ASB maxed out already. So I guess its ASB2 then? Many thanks guys.

-deleted- NO Action Taken

yes. ASB2. good option.

if u can't get ASB2, u still have plenty of other better choices compared to ASG

Fixed priced and variable priced funds have their own advantage/disadvantage that one should consider. Personally there's no harm in diversifying in some variable priced funds to take a bit more risk, as they say high risk/high reward.

However if you're not willing to take the risks of price fluctuations than I guess ASB2 isn't too bad. We'll know how good it is in March this year

i am still using old books. no notice whatsoever to change to new one.

yes. ASB2. good option.

if u can't get ASB2, u still have plenty of other better choices compared to ASG

Other choice like?

ASW, ASM & AS1M

bumi units are always available and they give consistent returns of 6.5 - 6.7% annually

i have a substantial amount in ASN2. gave me heat ache a few weeks ago when price collapsed to below 6.2 sen per share. i buy in at 6.46 and only yesterday show some positive sign... 

ASB maxed out already. So I guess its ASB2 then? Many thanks guys.

i would advise to only look at pnb fixed priced offering such as asb, asb2 asw and as1m. If you are looking for variable fund, there are many mutual fund out there that can beat the return of pnb variable price fund.

Check fundsupermart out, cheaper service charge

I thought you need to change to the new book with new account number to buy ASM units now. Salah faham saya?

Cheerio.

have to change, now using new system and new acc. no... but not sure why PM and bank agents don't want to change for us.. maybe they still yet to received stocks for the new book... i managed to change mine in ASNB office but kena wait 3 hours... so many people...

Thanks.

When did you change it? Recently or weeks ago? Hope by now the queue is a lot less. Will try ASNB tomorrow.

The new book has reduced the number of buyers as well as the sellers as they have to change to do the transaction. Just wondering whether the school of ASM fish available now is bigger or smaller than before.

Cheerio.

changed it recently but it's worth the wait to change... besides not many userid for the new system available yet to PM and agent banks... and also not many people have changed their book yet...

i suggest you change as soon as possible before a big rush to change... BTW, one nice lady at the ASNB office told me that they will progressively change the rest of the books to the new system with the next inline is ASW...

as for additional ASM topup, try be nice to the people especially at agent banks... they are known to do "wonders"...

good luck fishing !