CIMB MAYBANK OR RHB

ASM and ASW are two different account.

Bumi??
They can put their money in their ASB anytime with higher return which average between 10 - 12 % annually

ASM and ASW return are almost the same.

I have done comparison between ASW, ASB and ASM on their returns for the past 10 years which i got from my bankers who i ask him to help me put in my ASW and ASM.

ASB previously has been over 10% with dividend and bonus
These few years it dividend has been erroded same with ASW and ASM. From the table , ASB has been always the highest in return as there are bonus there compare to ASW and ASM which do not have that

Basically most of the fund in these three fund has been invested heavily on local GLC...Risk is their if you are talking about decrease earings of GLC...That is my major concern too as you can see their dividend has been depreciate since last time....My strategy is keep the capital of your what ever ASM ASW OR ASB...Whereas use the dividend to slowly invest in other investment tools

You don know the how much savings malaysians have especially the chinese.... A million can be finished within few minutes and seconds.....Unless they have stated one person maximum 10k if not will finished up very fast one

I am asw and ASM fans since 12 years old now i am 26 been queueing every time there are new launching.

POS office also quite early, remember last time i use to queue up at pos office at 7.30 am

If our economy keep on contracting due to global economy slowdown... Next year dividend may hit below 5%

Don expect a high dividend next year for sure.

Still remember 14 years back i can get annual dividend of 10% for my ASW. And it keep on sliding until today due to the profit from most of our GLC......
If our GLC cannot improve their efficiency the dividend more hit lower ......

This post has been edited by darkknight81: Dec 2 2008, 07:16 PM

What i was trying to say is don depend on one type of investment tool....Try to use few more ...ASW is consider very slow and conservative and the risk is still there....Try to diversify

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Added on December 2, 2008, 11:36 pmWhat i was trying to say is don depend on one type of investment tool....Try to use few more ...ASW is consider very slow and conservative and the risk is still there....Try to diversify

This post has been edited by darkknight81: Dec 2 2008, 11:36 PM

ASB, ASW ASM are unit trust actually... They pool the unit holder money to invest in stock market especially GLC COUNTER

Funny question here Is the same for both adult and teenager.....

I don really see the point of buying capital protected fund in the first place. You buy fund is to protect your capital only? Meaning if you want your initial investment of 100k stay at 100k for the next 5 years?
Basically this is what they can guaranteed you

If so y don put into fd? at least 3 % interest. Y don put into ASB, ASW OR ASM?

Ok if you are confident with the fund then you should have no problem with that. But can say most ppl don even know the top 5 investment of the fund and how the funds risk level. Thats y they thinking of buying capital protected fund. If so y don put into asm, asb or asw ? at least you know the returns will be around 5 - 6% if you average the returns. Further more the charges is minimal compare to all the whatever fund in the market.

This post has been edited by darkknight81: Dec 20 2008, 09:38 PM

Yup. You got to adjust your own portfolio base on market conditions. Take for example last two years all my porfolio (about RM 180K) are in my asm and asw and FD. Current market conditions, i almost withdraw RM 80K from my SAVINGS in FD, ASW AND ASM into stock. YOU got to do the tuning yourself.

i have been asw and asm holder for the past 10 years...
I have one concern though.... if you really go and study the stock they invested... you can see it is very unlikely they can have 7 - 8% return in dividend out of these stocks....Most of the counter like tenaga, ijm and so on do not pay high dividend.. so what is the logic behind we can enjoy such a high dividend? Have you ppl think of these? My concern is.... maybe asw or asm are being supported and don know how long they can withstand....

Dividend are being reinvested. Unless you want to withdraw it.

Yup you are right unfortunately most malaysian think this way... they compare with the last ... even our belove pak lah also like that

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Added on April 24, 2009, 7:55 amCannot. Unless you have housing loan and you withdraw your account 2 and save it into ASW.

This post has been edited by darkknight81: Apr 24 2009, 07:55 AM

Service charge too high better go buy stock directly