AS1M, ASB, ASW,ASM,ASG,ASD
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 Jul 21 2009, 08:47 PM
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#1
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Senior Member
5,379 posts Joined: Jul 2009  
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i managed to bank in 20K at 2pm today, so i think still available, those who haven't top up or open account, can try your luck tomorrow, the released fund is 1.6 bil, assuming all depositors comes with 10K in average, it will be enough to serve 160,000 people, so no harm trying. Good luck
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Jul 22 2009, 10:45 AM
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#2
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Senior Member
5,379 posts Joined: Jul 2009
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Dan,
Yes u r right, the bumi will not buy ASW or ASM if they still haven't top up the max of 200k in their ASB, they also have another option which is ASD (didik), which only opened for BUMI subscribers. From the historical perfromance, ASD is seconded to ASB and perform better than ASW/ ASM, and there is no max investment limit for ASD, unit price fixed at RM1/unit too. That is why 3.3 Bil units were released in April 09, and not many bumi subscribe ASM, almost half of the 3.3 bil units which is 1.6Bil (bumi allocation) was remained unsold till 20 July and was released to other races since 21 July. As a non bumi, u can only choose ASW or ASM, for a very limited time offer only. |
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Jul 22 2009, 11:43 AM
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#3
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Senior Member
5,379 posts Joined: Jul 2009
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[/QUOTE]Cheah u mean ASW also can buy? So if i have ASW i need not opening ASM?
QUOTE no ASW already sold out in April, the unsold bumi quota is not open for non-bumi, so will wait for the next opening. In my personal opinion ASB is mainly to help Malays/BUMIs, so as ASD which only open for BUMI subscription, so these 2 funds will be always outperform the other products of PNB. The recently annouced ASD return was 6.3%p.a. for the financial year end 30 Jun 09, so i dont think ASW/ASM will perform better than the 6.3% benchmark for the coming financial year. the next ASW FYE will be at 31 Aug 2009, and ASM will be at 31 March 2010. |
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Jul 22 2009, 01:00 PM
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#4
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Senior Member
5,379 posts Joined: Jul 2009
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[/QUOTE]The return for ASW2020 was 1.00% higher than ASD in 2007.[QUOTE]
Miles and More, your facts and figures are make sense. But the comparison between ASW and ASD shd not be compared according to fisical year, it shd be compared to financial year end. ASD financial year was at 30 june, whereas ASW is 31 Aug, in 2007 ASW outperform ASD because in the period of 30 Jun to 31 aug 2007, share market was booming, (bearing in mind that ASD/ASW are fixed price equity fund), so ASW performs better due to this booming period which was not covered by ASD. To see the actual performance it will be fair to see the performance in the same period of time, both funds need to be ended at the same FYE, only u can see the differences. Likewise, our share market is doing very good from 1 July 09 till todate, if the share market keep performs till 31 aug, FYE of ASW, then ASW could perform better than ASD. but in general i agree that not much difference in between ASM/ASW/ASD for the past few years. Since i am a non-bumi, so investing in ASD is out of my consideration, but it serves as an indication on the dividen going to be declared for ASW in the coming 31 Aug 09. In my opinion those 100% bumi owned fund will be perform better than the 51% bumi owned fund. Now ASM already released to non bumi, so bumi holding of ASM fund is now less than 51%, so i think ASM will not perform as good as other fund lor...... that is why if u are a bumi and have max your 200K limit in ASB, and u go to PNB, they will recomend u to buy ASD instead of ASW or ASM. This is solely my prediction, dont quote me for this, the answer will be coming on 31 Aug 09 for ASW or 31 March 2010 for ASM for the dividen declaration. i hope ASW/ASM can do better than ASD too. |
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Jul 22 2009, 02:34 PM
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#5
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Senior Member
5,379 posts Joined: Jul 2009
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for sabahan bumi u need to get the Bumiputera certificate from the ANAK NEGERI in your kampung, then u can submit to PNB. My colleague she has the same scenerio as u, and she got it approved after submitting the cert from anak negeri, now she can invest in all funds available by PNB, with the ASN passbook she can also get bumi 7% discount for buying property.
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Jul 22 2009, 09:56 PM
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#6
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE (MilesAndMore @ Jul 22 2009, 05:12 PM) i wonder why is that happened? my mom is a bumiputra from Kedah (as my grandpa is Kedah-born-Siamese), she has ASB account since 1990s, she can open ASW/ASD easily without any restrition by just showing the ASB passbook, if they can recognise your status when u open the ASB I wonder why this happened? I have another ex-colleague, being a Malaccan-Portugese, he can also open ASD by just showing ASB passbook. Now they have new rules?I have had an ASB account since 2002 but in order for me to buy the Bumiputra units of ASW2020, i need another official letter from Jabatan Hal Ehwal Negeri despite what is recorded as my race in JPN. It's been 4 months since i submitted all the documents but i have yet to hear from them. Talking about Wawasan 2020 ... DUH ! We're still far from there ! |
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Jul 22 2009, 10:30 PM
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#7
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE MoonRider Today, 04:26 PM Show posts by this member only |This post's rating (0+, 0-) | Post #2196 Wonder why everyone so eager to buy the fund .. Dont you all feel soemthing is not right .. In just few months , there have been 3-4 funds launch this year .. and the most weird thing , most of the fund the quota and the fund open for non-bumi .. i remember , during good times, u hardly get 1-2 funds offer by pnb for non bumiputra .. correct me if i am wrong .. and sudenly all the funds come out after our new PM take over .. what ur target of percentage of return 5-10%? and why pnb needs so much $$$ for this year since they saying this year will be low profile investment .... this year epf , the biggest fund in asia , also decalre only 4% intrest and based on 2008 performance .... Moon rider, what u said make sense also. Most probably PNB issue new funds to get the money from the public to repay the dividen for the existing fund so that they have enough money to "roll over". Well, PNB was initially set up to help Bumi/Malays, the 1st 2 funds of PNB namely ASB and ASN, was 100% for Bumi, and other products like ASW, ASD were came after that. In case the government change hand in the next General Election, PNB will be still remain safe, if ASM sinked, it will be sinked together with ASB/ASN. As a government, be it BN or Pakatan in the next election, will want to see it sink.....so this investment option like EPF is one of the safest option. Invest in individual stocks like PBB, Genting is also good for long term, but it is also depends on your risk appetite. For PNB products (like ASB/ASD/ASW/ASD) concern, it's price fixed at rm1/unit at any time (thus capital protected), and you can withdraw anytime u needed (it's liquidity is like FD or other type of deposits), and a guaranteed positive return of at least 6% from the historical records. This is good for those retiress or those conservative investors. |
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Jul 23 2009, 11:51 AM
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#8
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Senior Member
5,379 posts Joined: Jul 2009
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PLC255, what u said is true, PNB can change their policy anytime, even declare a negative return for the fixed price fund, or make ASD/ASW/ASB fluctuates, but before they doing that they need to consider the consequences of the responds from the millions of the depositors (which mainly from Bumi group). What i mentioned here was judeging from the hostorical records, PNB has been consitantly pay above 6% return for all its fixed price funds. Thus ASW/ASM still better off than FD, in any case.
As i mentioned earlier, PNB was initially set up to help BUMI that do not have much knowledge in investment, it was only started to open to non-bumi when ASW was launched in 1996. There is no investment/saving that could be 100% safe, even if u put FD in any commercial bank it will be subject to the bank will not goes bankrupt like many cases in USA/UK. For Malaysia, due to bank negara tight control for all commercial banks including PNB, these institution are still in the healthy path, so depositors do not need to worry about something that unlikely to happened. Otherwise u better dont make any deposits in any banks/ or do any investments. Worst come to worst, if one fine day, PNB declare 4% or less for ASB/ASW/ASM then u are free to withdraw and put in in other investment instrument, as they do not have lock-in period. Many capital protected products in the market only "guarantee the capital " when u hold the products till the maturity say 3-5 years. PNB fixed price products do not have this restriction. This is some of my toughts anybody can shares if u know any investment have better return and as safe as these products?  |
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Jul 23 2009, 03:41 PM
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#9
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5,379 posts Joined: Jul 2009
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yes u r right, full amount is guaranted up to 31 dec 2010, thereafter it will be back to normal, which is RM60K per person per bank, if you have RM240K then u need to split to 4 banks. But so far our banks are doing alright.....
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Jul 26 2009, 11:51 AM
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#10
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5,379 posts Joined: Jul 2009
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Dreamer101 Quoted:
(Obviously, your knowledge about NEP is minimal. PNB was created to park the 30% BUMI share into ASB / ASN. Hence, ASB / ASN was guaranteed to make money. Given that ASW is not "BUMI ONLY", it cannot get the 30% BUMI lot) I have studied the ASW portfolio, it is in fact investing in the govenrment linked company (GLC) the top 5 share holding are Maybank, TNB, CIMB, Sime Darby, PNB Structured Fund, anyway government has pull out 30% bumi quota requirment for 27 industries, so this is not as important as b4, most importantly ASW still 51% owned by Bumi (Mainly Malay), so those rich Bumi (mainly Malay) that already fully top up their max 200K in ASB, they will still invest in ASW, ASW and ASB are like children of PNB, i dont think as a parents it will let any of his children sink or suffering. ASW is still a viable investment compare to ASN as ASW is a fixed price products. Dreamer101 Quoted: (What is the TREND of their dividend?? Is it upward or downward?? Do you know?? If not, why do you think that you have nothing to worry??) the dividen is at downward trends, in the same way as our BLR, FD Rate and corporates' earning. Unit trust earning are mainly derive from the coroprate earning, when economy doing badly, business world will be badly affected. If u study the trend, u will discover that EPF is always 2-3% higher than FD Rate, and ASNB products is always 2-3% higher than EPF rate. For the year of 2009, ASM dividen is 6.25%, compare to recent EPF rate at 4.5%, and FD rate of 2-2.5%. SO for low risk investment ASNB is the better option than FD and EPF saving. I am not asking everyone to put all their money into ASNB products, it is only a way of diversifying your investment portfolio, even u want to invest more in ASNB products also not possible as each individual (non bumi)is only allowed to invest max 20K when the funds open. Dreamer101 Quoted: (<<Worst come to worst, if one fine day, PNB declare 4% or less for ASB/ASW/ASM then u are free to withdraw and put in in other investment instrument, >>By that time, it is TOO LATE to retrieve your money.Why are you investing on something that you DO NOT TRUST??) It is not a quoestion of trust or no trust, for any investment, if the return is more than your expectation, and u make the money u desire then u sell, PNB product only attractive if it pays higher return than other low risk investment instrument. otherwise u can withdraw the seed capital with dividen, go find other options. In your previous post u suggested to buy Genting and PBB shares, when u make profit, u sell the shares and keep in cash doesnt means u dont trust Genting or PBB anymore, right? So it is not a matter of trust or no trust, just a matter of how to maximise your profit based on your risk appetite. |
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Jul 26 2009, 02:10 PM
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#11
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5,379 posts Joined: Jul 2009
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QUOTE(dreamer101 @ Jul 26 2009, 12:52 PM) Dreamer 2) Before we even start, what is YOUR DEFINITION of investment?? For me, anything that you cannot go to sleep for 5 years and do not even look at is NOT investment.3) So, in my opinion, other than ASB, the rest of PNB's products do not fit under my definition. (Unit trust is not investment???? strange, which school r u from?) 4) Given that EPF is managed by GLIC too. I do not trust them either. Comparison between ASx and EPF is irrelevant. They behave the same. (they are not the same. EPF is mandatory contribution if u r an employee, for ASX u have a choice, they are managed by different entities and they have different portfolios too) 5) It is NOT low risk to put money into hand of people that you do not trust, (seems that u r very anti umno/bn government, you shdn't put your dislike sentiments from the existing government into the products that they managed. Even Pakatan win the next election, the government will be headed by Malay/Bumi (be it from PKR or PAS), so Bumi interst will still be protected. Be it PKR or UMNO headed the country in the future, PNB will still be strong, PNB was set up to take care of the biggest ethnic in the country) << the dividen is at downward trends, in the same way as our BLR, FD Rate and corporates' earning. Unit trust earning are mainly derive from the coroprate earning, when economy doing badly, business world will be badly affected.>> 7) Read your OWN post carefully and check your assumption. We had a bull market and KLSE went up at least 30% over the last few years. But, what is the dividend trend over the last few years?? This is YOUR MONEY. Your choice. But, please do not give out wrong information. (You are the one that giving worng info and mislead others, i didn not compare ASW with share market, i am comparing ASW return with EPF and FD, when economy doing bad, FD rate is dropped to 2%, so that's why i said ASNB products is better than FD and EPF. ASW is a safe investment it doesnt go up to 30% when market is good, but it never go negative 30% when the market is bad, rm1/unit is still rm1/unit no matter how market performs + minimun 6% return for the past 15 years-> track records). << I have studied the ASW portfolio, it is in fact investing in the govenrment linked company (GLC) the top 5 share holding are Maybank, TNB, CIMB, Sime Darby, PNB Structured Fund,>> 8) I would not invest in any of the those 4 counters. Would you?? If not, why are you buying ASW?? ( u seems have zero knowledge on mutual fund. If you have RM100 only can u buy any of these 4 counters? but thru mutual fund, u can, it also help u to diversifying your porfolios. Pls read the concept of mutual fund before barking here, dont waste my time explaining to you) 9) Do you know what happened to UEM during 97/98.?? If you don't, why should I waste my time with you?? ( i am not that old to know this, i dont think any of the readers here want to know UEM issue from an arrogant guy like u, so u can safe your time on explaining it. Bear in mind that the topic here is talking about PNB products, not UEM) Dreamer  Added on July 26, 2009, 2:17 pmDreamer 2) Before we even start, what is YOUR DEFINITION of investment?? For me, anything that you cannot go to sleep for 5 years and do not even look at is NOT investment.3) So, in my opinion, other than ASB, the rest of PNB's products do not fit under my definition. (Unit trust is not investment???? strange, which school r u from?) 4) Given that EPF is managed by GLIC too. I do not trust them either. Comparison between ASx and EPF is irrelevant. They behave the same. (they are not the same. EPF is mandatory contribution if u r an employee, for ASX u have a choice, they are managed by different entities and they have different portfolios too) 5) It is NOT low risk to put money into hand of people that you do not trust, (seems that u r very anti umno/bn government, you shdn't put your dislike sentiments from the existing government into the products that they managed. Even Pakatan win the next election, the government will be headed by Malay/Bumi (be it from PKR or PAS), so Bumi interst will still be protected. Be it PKR or UMNO headed the country in the future, PNB will still be strong, PNB was set up to take care of the biggest ethnic in the country) << the dividen is at downward trends, in the same way as our BLR, FD Rate and corporates' earning. Unit trust earning are mainly derive from the coroprate earning, when economy doing badly, business world will be badly affected.>> 7) Read your OWN post carefully and check your assumption. We had a bull market and KLSE went up at least 30% over the last few years. But, what is the dividend trend over the last few years?? This is YOUR MONEY. Your choice. But, please do not give out wrong information. (You are the one that giving worng info and mislead others, i didn not compare ASW with share market, i am comparing ASW return with EPF and FD, when economy doing bad, FD rate is dropped to 2%, so that's why i said ASNB products is better than FD and EPF. ASW is a safe investment it doesnt go up to 30% when market is good, but it never go negative 30% when the market is bad, rm1/unit is still rm1/unit no matter how market performs + minimun 6% return for the past 15 years-> track records). << I have studied the ASW portfolio, it is in fact investing in the govenrment linked company (GLC) the top 5 share holding are Maybank, TNB, CIMB, Sime Darby, PNB Structured Fund,>> 8) I would not invest in any of the those 4 counters. Would you?? If not, why are you buying ASW?? ( u seems have zero knowledge on mutual fund. If you have RM100 only can u buy any of these 4 counters? but thru mutual fund, u can, it also help u to diversifying your porfolios. Pls read the concept of mutual fund before barking here, dont waste my time explaining to you) 9) Do you know what happened to UEM during 97/98.?? If you don't, why should I waste my time with you?? ( i am not that old to know this, i dont think any of the readers here want to know UEM issue from an arrogant guy like u, so u can safe your time on explaining it. Bear in mind that the topic here is talking about PNB products, not UEM) cheahcw This post has been edited by cheahcw2003: Jul 26 2009, 02:17 PM |
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Jul 26 2009, 11:04 PM
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#12
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5,379 posts Joined: Jul 2009
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yeah, the next dividen for ASW will be 31 Aug 2009, hope can get more than 6%
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Jul 27 2009, 10:54 AM
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#13
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE(M&N @ Jul 27 2009, 10:52 AM) Went to MBB morning just now, they said no ASW released to day wor. ASW will not be released to non-bumi as it will be reserved for Bumi to top up. So u can wait for the new fund called AS1M, heard that will be released during Merdeka Day.Any news out there? |
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Jul 27 2009, 11:29 AM
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#14
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5,379 posts Joined: Jul 2009
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QUOTE(dreamer101 @ Jul 27 2009, 10:56 AM) cheahcw2003, Dreamer, no, 51% of ASW still not fully subscribe by bumi, and i checked with PNB the unsold ASW bumi unit will not open for non bumi. Which means the 51% BUMI quota of ASW was not fully subscribed. Dreamer I have checked with most of my Malay friends, ASW is their 2nd/3rd choices after maximising the ASB-200K max limit, maybe PNB want to reserve the ASW quota for this group. Furthermore 10 billion units of AS1M is going to release soon, so they see no reason to open up ASW unsold quota. Cheahcw2003 |
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Jul 27 2009, 12:26 PM
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#15
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE(storekeeper @ Jul 27 2009, 11:59 AM) If I just brought my ASW this recent one, how they gonna pay me the interest.? Following normal FD calculation.? eg. (RM 1,000 x 6%) / 12 = 1 month dividend.? the dividen for ASNB fixed price fund is on monthly rest, say scenerio 1 if u bank in your money on 27/4, your dividen will be only calulate from 1st May. For FYE31/8/2009, you will get 4 months dividen (May to August). If they declare 6% u will get (4/12*6%) scenerio 2 if u bank in on 2/4, and withdrwal on 27/4, then no interest pay for the month. In order to get the full interest of the particular month, u need to bank in on the 1st day of the month, and keep the amount till the month end. If u bank in using bank draft at PNB branch, then they only start counting the dividen when the cheque is cleared, not on the cheque's bank in date. So to play safe u need to allow 3 working days for cheque clearance. scenerio3 Let say u bank in 20k on 27/4 and withdraw it on 30/6. On 31/8, u still get your 2 months dividen for 20k (calculate from 1/5 to 30/6) but the dividen will only pay out on 1/9, provided u still keep your account open. cheahcw2003 |
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Jul 27 2009, 08:17 PM
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#16
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE(snowcrash @ Jul 27 2009, 07:24 PM) Wow, hostile much? Snowcrash, i dont care that much, this dreamer guy he think he is the smartest guy of all, everyone is stupid and he tried to finger poiting on everyone when what u said is something he disagrees. Try to read this topic from the begining then u will see how he rudely and arrogantly responded to others' comments, i am not the only one whom he is trying to find fault with.What i am trying to say is that if u check ASW brochures, it is stated 51% for bumi, and 49% for non bumi. When they offered 2 billion additional units in April 2009, non bumi unit which is (49%) 998million sold out in 4 hours, whereas bumi unit (51%) 1.02 billion still not fully sold till to date, and PNB is not planning to release the unsold bumi lots to non bumi, but i guess bumi will slowly buying up the unsold units as ASW is the 2nd /3rd options fund after ASB. |
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Jul 27 2009, 08:33 PM
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#17
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE(MilesAndMore @ Jul 27 2009, 08:23 PM) I was told that billions of Bumiputra ASW2020 units still available yes, i got to know from other forum website that 1.6 Billion Bumi unit for ASW still remain unsold. For details pls check with PNB. |
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Jul 30 2009, 12:46 PM
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#18
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Senior Member
5,379 posts Joined: Jul 2009
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For all who interested to invest in AS1M:-
Just now i called up PNB, they told me the latest news about AS1M. this fund will be launched tomorrow, the annoucement of the details will be on tomorrow also, here are the other points that he shared with me, a) it will be start selling only next week in August on 1st come 1st serve basis. b) as the name is 1Malaysia, there will be no quota for any races, only individual quota applies. anyone above 18 years old and below 55 years can invest upto RM50K per account. Senior citizen that above 55 years old can invest upto RM100K c) it is a fixed price products sell at 1ringgit per unit, like ASB/ASW/ASM, it is an equity fund with around 70% (of fund size) exposure to equity d) fund size is rm 10billion The officer that told me is En. Mohd Razali from PNB. Hope this info is helpful. |
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Jul 31 2009, 12:02 PM
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#19
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5,379 posts Joined: Jul 2009
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QUOTE(engtat @ Jul 31 2009, 11:58 AM) I doubt on no quota... Oh....then the PNB officer told me wrong info....if got quota, then another "HUHA" in the banking hall already......  This post has been edited by cheahcw2003: Jul 31 2009, 12:11 PM |
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Jul 31 2009, 03:12 PM
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#20
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE(uNeVErwaLkaloNe @ Jul 31 2009, 12:30 PM) [url=http://www.themalaysianinsider.com/index.php/malaysia/33843-as-1-malaysia-fund-available-from-aug-5] You got a point here actually, 1.6 Billion of ASM-bumi quota remains unsold from April 09 to 20 July 09, and being released to non-bumi 21 July 09. Now out of the new RM10bil fund, RM5bil is reserved for Bumi. If 1.6Bil even cannot be taken up by bumi group, i dont think the AS1M will be fully taken up by bumi group also.biggest fund? something is really wrong here... 1) it dont make sense to put a quota when they know the bumi quota will never be full 2) 1Malaysia with quota? what the difference with NEP, all this is for show only 3) bigger fund than other more stable fund?...eg. ASB, ASN 4) benchmarked with 4%? this is ridiculous, even sukuk give more return Benchmark of 4% is too low, shd at least benchmark against sukuk's 5% For those who interested to know the top 3 fund size of PNB products: Actually AS1M will not be the biggest fund size of PNB products, ASB is the biggest fund so far with RM62bil fund in circulation (as per its annual report ended 31/12/08), even ASW has the approved fund size of RM14 billion already. Added on July 31, 2009, 3:16 pmFor those who want to know more about the new fund AS1M, here are the info that i got from ASNB website, u can also get the info direct from the website: - FUND INFORMATION Fund Name AMANAH SAHAM 1MALAYSIA (AS 1MALAYSIA) Type Income Category Equity Launch Date July 31, 2009 Objective The Fund seeks to provide regular and consistent income stream whilst preserving the unitholders’ investment capital over a long term horizon through a diversified portfolio of investment. Potential Investors Investors who: Have a medium to long-term investment horizon. Understand investment risk and reward. Seek regular income (if any) for their investments. Eligibility Malaysians age 18 years and above. TRANSACTION INFORMATION Price per Unit RM 1.00 Form of Investment Investment book Minimum Initial Investment Investment book - 100 units Minimum Additional Investment Investment book - 1 unit Maximum Investment Unlimited, subject to availability of units of the Fund. (However, during the initial offer period the limit is 50,000 units per unitholder. Also, for those aged 55 years old and above during the offer period the limit is 100,000 units per unitholder. The Manager has the discretion to impose to any individual limit during the initial offer period or any other period determined by the Manager.) Fund Size 10.0 billion units Sales Charge None. However, the Manager has the discretion to charge up to 1% of the amount invested after the initial offer period. Redemption Charge None Payment of Redemption On-the-spot. Cooling-off Period None Financial Year End 30 September This post has been edited by cheahcw2003: Jul 31 2009, 03:16 PM |
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