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

Pop quiz, why PNB always open ASW 2020 prior in declaring dividend???

Hmmm...        It seems to be that for few times already.

Hi.. I'm really new to this; e.g. I have absolutely no idea on what "compound" interest means. 
Anyway, I was reading ur reply, and I want to know why did you divide 40% by 15 years?  What do you get, and why is 2.66 not good?

According to Robert T. kiyosaki, people who only invest in Mutual funds, Unit Trust or equivalent are losers! That's why the world is filled with a lot of highly educated, talented poor people. They don't want to learn the way rich people do. For an example, the rich learn to build company, the rich learn to build business, the rich acquires business skills and knowledge while doing it, the rich dares to take risks and learn to manage risks, while the poor and middle class are letting their money over to the professionals such as Mutual Fund managers or stock brokers to take care of. They do not have control at all! Read his books or listen to his audio regularly and you'll understand what i mean.

Wait how low the risk on ASW/ASM that you are talking about???

Could it be 0.01 % or 0.1 % or 0.00001 %?

My personal view is that there is certainly a risk, if any of the fund is not getting the right return to sustain the dividend payout....

You can transfer the money from your existing MBB, CIMB and RHB deposit acc to subscribe ASM. ASN offices do accept banker's cheque. Post offices only accept cash.
It's unbelievable that all Bumi allocation units have been fully subscribed. You may have a try at other banks and update us.