Tis is a variable price fund which means NAV move up or down on daily basis

2015 Annual Report for ASM is out
http://www.asnb.com.my/pdf/PRODUK/ASM/20150529ASMAnnual.pdf

I wud predict ASD declare 6.6% which is similar to last year

From ASM latest AR, noted the followings which is disturbing:-
1. Fund size increased by 939 mil units (or RM939 mil) whereas net profits increased by RM43 mil ony
2. Profits c/f decreased to RM70 mil as compared to RM89 mil

As per ASM latest AR, the difference between actual Dividend against benchmark (3 mths Klibor) have decreased from 3.27% to 2.87% in 2015

ASM c/f RM412 mil profits to next year which is equivalent to 2.5 cents Dividend

U need to manage yo own DSR if u intend to take up other loans

Yes, formula = total monthly instalment with Banks divided by monthly net salary

Yes as u need the balance for yo household expenses plus emergency

Laporan Tahunan 2015 for ASG
http://www.asnb.com.my/pdf/PRODUK/ASG/2015...GAnnual2015.pdf

Personally I dun think fund manager @ ASNB have the skills n xpertise to manage equities byond Bursa

Both ASG n ASN3 average returns pa for past 10 yrs ranging from 7.6% to 8.6%
ASNB have the right to impose 1% sales charge for subscription of AS1M units

So, did u try to top up subsequently?

In fact u can try as some Banks allow top up without passbook

Yes

Nope as the 3 Funds dun have max limit

U need to be close with the Tellers

U can deposit as much as u want subject to availability of units

From the Fund Fact Sheet @ Apr 2015, units in circulation for ASN3 n ASG is 1.01 bil n 1.322 bil units
Anyone know what is the approved Fund size for both Funds?

U have surrender?