Why we must always compete with the last? Last time I told my mum I way better than the last in class she whack me until I cannot recognize east south west north...

Wait for re-open of ASM in July?

I think ASW only have bumi & non-bumi, think indian are classified under non-bumi, means...

Not so fast I think.

Those loan in the past made some handsome return. But no one knows future for sure...

If I am you, I will take loan & buy. But subject to the amount I am comfortable with. Don't over invest.

ASM no loan, I think bank only loan for ASB

I think I shouldn't put one line comment that cause confusion to others.

My rationale:
Assumption:
- Risk averse personnel.
- No other equity or high.
- middle income, government job? Assume RM3,000/ mth.
- monthly investment (repayment of loan) constitute 10% of income (max 15%). RM300 repayment per month.
- Total unit buying, 12,085 unit (RM12,085)
- Interest rate, 1st year 3.5%, 2nd year 4.5%, 3rd year 5.5% (rising BLR? unlikely that much but I put it as the case).
- Return of 7% per year (i think that should be much higher, judge from history).
- No down payment, loan 100%.

Calculation:
By saving speed, one should have RM9,900 if he saved RM300 for 33 months (discard saving interest rate).
By 36 months (3 year), the amount should be RM11,139 (compound interest of 2% p.a. but no one pay you 2% interest when the amount less than RM1,000, I include that anyway).
By 36 months, the loan of RM12,085 should be fully repaid.
The difference is the power of leverage, not all leverages are bad, without leverage, we might not be able to buy a house until late 40s.
The calculation by simple excel spreadsheet.

Hope I made it clear. I did it for free, please don't hold me for responsibility.

Yes, ASB, no ASM, I never heard anything like loan for ASM anyway, maybe I was ill informed on that.
Well, that's just my personal opinion, I ask no one to follow.
ASM? If ASM better than ASB then I wonder why Bumi portion for ASM can remained unfilled for so long?
6.25% for ASM but no ASB, mind you check the return of ASB before comment?
I think I would just put a stop here, I don't want to argue for the sack of argue...
Good luck and all the best...
Cheers...

Because AS are more on long term unit trust, actually the new unit holders are sharing profit gain using old unit holders' capital (share was dirt cheap 10 or 20 years ago, over the years, they keep much reserve for future return, kind of earning modulation, that's also why you won't see them distributing 20% dividend in a year or so, even if they made that.). Imagine they might still holding on some Maybank's share maybe at cost of RM1, you guess what's the yield now? But new unit holders will become 'old' one day also

PB Mutual is higher in risk appetite. High risk high return always true (high risk high loss also true ). What they made immediately shown in the price (what they loss also).

Cheers...

Good news?

Tax exempted.
Unit; if unit finished, cash. Anyway, unit = cash.

ASM, personal opinion only.

If you are bumi, go tomorrow to bank (MBB/ CIMB/ RHB) or post office with 2 copy of photocopied IC & money (or equivalent, but money easier ). If you are Chinese, go Tuesday.

You already mentioned all the place you can buy from, then what else you want to know?

Think will only buy 100 unit to open the account, not going to Q on the first day also (if there is Q ).

You are not alone...
Me too feel a bit tak betul...

Please give me the 4D number from your crystal ball... for next draw...

Then I go buy BJ Toto better...