Sorry for interupting, As i have ASM and ASW only. So far i know only ASM and ASW entitle for non bumi with certain quota. Since when ASB is for non bumi also?? One more thing is ASM is not capital protected where as ASW is capital protected. Correct me if i am wrong.

This post has been edited by darkknight81: Aug 7 2008, 05:23 PM

<<I dont understand why you said taking ASB loan is worth? ASB loan interest rate is based on BLR right? So if let say current BLR is 6.75% and ASB dividen average per year is 8.5%..does it means you only get 1.75% for profit (8.5%-6.75%)? And if true than the ASB loan borrower do not maximize their investment profit and to make it worst..the profit margin is lower than FD! >>

For your information ASB is for Bumi only. Whereas for non bumi we don have to chance to put even not to say borrowing though ASB return average at 9% dividend and 2% bonus. I beliv the ASB loan is not more than 6%.... So actually every year you use the dividend to pay the loan you still earn 5% at least. So far i think it is the best Unit trust with very constant returns.



<<From what I understand, eventhough we invest by saving every month to ASB account..but in the end of the year still we own 100% of the dividen & bonus without sharing with bankers. ASB dividen is calculated by monthly basis and from my study..I discovered that in the long run let say 10 years, those who save and never take a loan will always outperform to those who takes ASB loan within same period.>>

It is different my frend. Lets say you borrowed 200k ASB Loan. You loan is 20 years loan with interest rate of 5% that means you got to pay around 1400 per annum. Let assume the dividend is 10%

Through borrowing,

1st year dividend = 20k You pay 1400 interest you still get 18k....

Lets say you do saving by 1400 per annum tats mean you only get RM 140 PER ANNUM DIVIDEND.....

Thats is the power of compound interest.......





Don always follow the words by gurus. Always analyse yourself. For you to do investment, playing with the interest rate is very important ....

Ops sorry make a mistake here should be RM 16800 PER year.
So it should be 20 k - 17k = 3k which means you earn about 3 k every year. And the 3k compounding again so basically means you earn more and more everyyear.

This post has been edited by darkknight81: Aug 19 2008, 07:54 AM

If i am bumi i sure buy ASB. It is better than ASM and ASW... Actually government is helping you ppl. If you do some calculation you will know why....For our non bumi we got to find way to buy ASM and ASW where got so lucky like you ppl

This post has been edited by darkknight81: Aug 24 2008, 07:41 PM

Government won ask you bumi to rugi one .. you ppl are pampered by the government
What i can put is ASW only ... But return also not bad 8 % last year just that i canot borrow money to put into. Got to use own money though

ASB return is even higher though 7% dividend + 3% bonus normally... They are all unit trust lar my frend. Just that ASB/ASW/ASM they are entitled to buy IPO shares which is much more cheaper than market price.

As i think it is safer than any unit trust out there... If you say no risk in investment it is impossible though... But so far the return looks far more better than FD... FYI ASB dividend is 14% 10 years back...

---

Added on August 26, 2008, 8:47 pmThis post has been edited by darkknight81: Aug 26 2008, 08:47 PM

ASB, ASW, ASM is manage by Permodalan Nasional Berhad (PNB). Therefore, the patern it invest is almost the same. They are also unit trust. So no doubt it involve in equity. Besides, i can say the large portion of asset allocation is in equity mostly about 80%

The company they invested in are mostly GLC. Below are the top 10 list which they invested mostly into:

1. Tenaga Nasional
2. Maybank
3. Telekom
4. MMC
5. Gamuda
6. Public Bank
7. Ytl Power
8. Titan
9. MISC
10. IJM

One more thing is ASB and ASW is capital protected fund. Which means the NAV is always RM 1.00. So during market crash or what.. you capital is always there. The only thing that might affected is the dividend you reciv, which means you may reciv 0% dividend but so far the lowest dividend ever is 5%...
So which means they are buying insurance to protect the fund = Capital protected.

One more thing good about it is, the entry cost for them is far more cheaper as they are buying IPO (initial public offering). The NEP (new economy policy) stated that the listed company share holding must consist of 30% which is bumi. Therefore, In order to fulfill this the IPO is offered to PNB for lower entry cost. Which if you buy share in the market you cannot get this price.

For example, Maybank which cost RM 7.30 (dropping from RM 14.00). The dividend for this stock so far range from 50 -- 70 sen. Which means if you bought at RM 10.00 last time, you may get dividend yield of 5% only and it may go down further. Where as PNB their entry cost maybe RM 2.00 per share only... Therefore if maybank dividend drop to RM 0.20 Sen it still can get dividend of 10%...

I can say it is not much risk involve.

Not bad already considering at the market conditions right now. Maybe next year dividend will even lower though

Actually last year is 7 sen also the 1 sen is bonus.

News paper

Mind you it is not the same as FD. There is a risk involves in ASW. If the insider "makan duit" then what will happened? Then all the investor want to withdraw their money but there are no so much money in actual fact. We don know what is happening inside as "malaysia boleh"

If you ever read the news regarding SAS (SABAH AMANAH SAHAM) which dropped from RM 1.00 to RM 0.17 ...you won think like that anymore. Actually this fund is Sabah government launched fund. It use to invest in sabah political related stock which is not profitable....

Yup of course. But the risk is still there. Like what i said the ppl inside PNB may "eat" the money there. Who knows?

This post has been edited by darkknight81: Sep 3 2008, 01:29 PM

Easy to put in these few days as it just declare dividend a lot of ppl are withdrawing their bonus.

Good News for ASW fan

http://thestar.com.my/news/story.asp?file=...4218&sec=nation

Ops sorry din see properly.

By the way last week i manage to put more than 10k in ASW as it just give out dividend and ppl are withdrawing their bonus. Maybe tomolo you can try again. I think it will be quite easy to put within this month as ppl are withdrawing.

---

Added on September 7, 2008, 8:26 pmFor ASW it will declare their dividend by end of august which means you can get your ASW dividend on 1st of september. Where as for ASM, the dividend is declared at end of March. Which means you can get your dividend during april fool. Where as for ASB i not sure as i cannot put in ASB.

This post has been edited by darkknight81: Sep 7 2008, 08:26 PM

Between, how old are you? My opinion is when you still can work better work to earn more money especially during inflation hiking. If everybody think that they got 1 mil then want to stop working then what will malaysia look like? ASB/ASW/ASM is for you to put your money in a safer place and hedging against inflation.

So you are working in PNB then? What i mean is corruption inside PNB senior management group. Is there any control ? What i mean is if they makan duit we also don know mar rite?

You can go for ASW and ASM. They are performing quite well also.

YOu know anyone working at post office? Maybank? RHB? CIMB?
They can help you to put in no need to wait for the release