Oh I know. [B]31 OGOS 2015[/B] 6.6%

So that's your move now lei? How much you hentam already?

Our big sifu still top up ASM and asw2020. (based on his latest post)

For?

Mr guy

@Ancient-XinG- could you please post on front page places which allow us to try and open ASX?

This post has been edited by Ramjade: Aug 11 2015, 04:41 PM

Pos office at triang can open as1m.

Got. Don't get yourself confuse with Maybank at bukit tinggi. Maybank klang town near ambank, standard chartered.

Don't know any tyre shop. I know is near the 2 banks and near a Toyota showroom

You still get. But I am not sure how is it calculated.

If you have the money, you won't go back empty handed.AFAIK, nowadays everyday got units. If empty handed just try again lo tomorrow

Wow, didn't expect to see you here. I expected your funds are all parked overseas and in forex. By the way, rest assured. ASW2020 will give out 6.6% for this year. Just like others before this. Can't say the same for next year judging based on economy. Then again, they have been consistent giving 6.6% every year and they usually save this year dividend to be given next year. So I expect they have quite some savings there.

This post has been edited by Ramjade: Aug 13 2015, 04:57 AM

I am confident because
a) I think 3 years straight of giving 6.x%?
b) They save some dividends from every year.
c) Not sure which funds give 6.6% early this year.
d) If they don't give 6.x%, people might redraw and move some where else

But I cannot say the same for next year. How much will they give

This post has been edited by Ramjade: Aug 13 2015, 07:18 AM

Maybe 40 ASX: 40 Epf: 20 fd?

Or 50 ASX: 30 EPF: 20 fd?

EPF max can put in is rm60k/year. Returns more or less same with ASX. But epf have to wait until 55 years old to withdraw.

This post has been edited by Ramjade: Aug 13 2015, 10:00 AM

For example FD give 14% (like what happen in 1998)
and ASX give 5%. No brainer which one you will choose.

Couldn't agree more. They cannot hike rate or else economy going to become bad. Only thing can do is lower rates. Or maintain.

Just try all banks (maybank. Cimb, rhb). Be nice and beg them.

If they said no quota yell them if got units, I know can open. Can you please try?

This post has been edited by Ramjade: Aug 13 2015, 12:51 PM

Of course. Generally for fixed priced asx, they give 6.6%/pa. Tax free.

No need to hunt for fd promo every year to get best rates. Buy and can forget about it (fixed price). Hence the difficulty in opening and topping up. However with recent problems, you'll never go home empty handed.

If you buy variable price, then is different story.

This post has been edited by Ramjade: Aug 13 2015, 12:55 PM

Have your pick. If you don't mind lsoing money, open ASG. Now good time to buy ASG (prices are down, so you can get more units at a cheaper price). Then when economy recover sell ASG. Tax 5% + 6% of that 5%. Need to hold for about 2-3 years to profit. With bad economy, it will give you returns of 2-3%. But when economy become good, it will give you >10%. For me I am going to hold my ASG until economy recovers to gain back my principle and sell it and transfer into ASX (fixed price)

If you don't like to lose money and want stable returns. Open ASX (fixed price). Annual returns of 6.6% for now despite bad times or good times. Can't say about the future. But must depend on luck.
1) Got units, Bank officers don't want to help you open, you cannot open.
2) No units. Bank officer try to help you open. You cannot open also.

To open must be nice to them and beg them. But nowadays can open and top up easily. You won't go back empty handed. You know why la. .

ASM - malay sell, Chinese. Indian can buy.
ASW2020, AS1M - malay sell, Chinese Indian cannot buy. Only can buy from Chinese/Indian/others quota. Eg, are a chinese, can only when chinese sell.

Cannot move now. Or else rugi teruk. Haven't even 1 year yet.

Rm45k. Rm15k spread out equally.