Don worry. Don need to be in a hurry to invest your money
There are still a lot of investment tools around beside ASW, ASM

No one know what dividend will be paid out. But there is risk there for ASB considering political uncertainties which may affect the mega projects which they have invested into and als GLC companies...

If you buy unit trust during last year until now. You will be making losses about 40% or greater.

Definitely will not end any time soon...

You can try your luck at pos office, maybank, cimb , rhb . You can enter in few thousand if you are lucky.

ASM the return is almost same as ASW.

Few years back yes. But now no more, the dividend are being reinvested. Now they need to use the money to support our KLSE

ASM is capital guaranteed too

For ASB if you are bumi you can put in anytime no limitation.

Whereas ASW and ASM you need to wait for unitholder to withdraw then you can buy in.

[QUOTE][quote=MilesAndMore,Oct 26 2008, 05:20 PM]
I know people have zeroed out the non-Bumi quota long ago but how about the Bumi quota ? The fund is 51% reserved for non-Bumi and if i'm not mistaken, that one hasn't sold out right ?

[/quote]

Regarding the bumi quota i am not sure. But the non-bumi quota... Non-bumi do withdraw their saving from ASW/ASM everyday. If you are lucky enuff you can manage to put in as you must know they are a lot of non-bumi queuing to buy too.

If you prefer more constant annual dividend and no capital appreciation then ASW, ASM will be a better choice. If you choose to have capital appreciation then go for unit trust then.

Definitely yes so far as our country don end up like Indonesia, Philipines ....

Well JUST to share with you , i have housing loan of RM 200K FOR 25 years. The total amount i paid for 25 years for my loan is RM 360K every month about RM 1200. So every year i paid RM 14,400...(compound interest of 4.75%)


Lets average up ASW annual dividend to be around 7%. With 200k you basically will get RM 14,000 per year....

Do your own judgement

Look at these country economy... Corruption.....Depreciation of their currency.....

Then y not buy ASW OR ASM? They are also open to all races... Further more is capital guarantee. Whereas if you buy ASN-3M at FOR 10K you might get back 7k only if you withdraw....Whereas for ASW OR ASM you can treat it like your saving account.

For me i think buying ASN-3 is similar like you buying any other unit trust...

Already got the dividend lar few months back

For the incoming year, the dividend will reduce base on current recession...

Yup, issued new units few months back on september 2008

This post has been edited by darkknight81: Nov 26 2008, 10:41 PM

Of course ASB is high but it is solely for bumi only

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Added on November 27, 2008, 8:51 pmFor last 2008 it is 7% but it is not guaranteed to be 7% it might be higher or lower.....

For your case... you will only entitled 7% only if you put amount A on or before 1 september 2007 and without withdraw out amount A until 1 september 2008 ....

If you happened to be withdrawing out then surely the & is different.....

This post has been edited by darkknight81: Nov 27 2008, 08:51 PM

I never said i will park all my money in PNB. Today i din go to queue even as don want to waste my time. I beliv putting your money at ASW now is not a wise move....

PIDM? are you sure....PIDM only guarantee your saving account. ASW is capital protected which means your investment capital is being insured at RM 1.00 per unit...Which means you can always withdraw the same amount of the capital you invested in ASW...But you got to see too.... IF SItuation is very bad... even the insurance company cannot bear the losses made by ASW..... But it is very very unlikely.

Wise or not invest in ASW is very personal, for me i will invest more on equity instead...Use the dividend to inject into share market ....

My another concern on ASW is that it is solely invest in local listed company like :

TENAGA, TELEKOM, YTL, GAMUDA, MAYBANK, CIMB, RHB, PUBLIC BANK, YTL POWER, BAT, NESTLE ...

You may face the single country risk on INVESTMENT.