lol call me ka?
go try again la. 1.5k then 1k then 500 bucks, see which one get through

Out of curiosity, which fund did you manage to open and whats your race? I tried to open for Chinese at pnb and the staff mentioned no quota...

This post has been edited by CP88: Jul 22 2015, 07:27 PM

Of course they tell you no quota. Just tell them I know kalau ada unit kosong, boleh buka. Tolong coba.

Must b humble plus need to beg the counter staff

I gave a smile and greet them but seems no difference.

You miss the train la....
Beginning July was the wow period for ASM.

and give banks & gomen (GST) more income

Actually not really. From my few days of hunting for ASM, popular period to try for ASM is when bank open their doors (915am), after lunch (around 130) and when banks are closing (330-4pm).

I go and try my luck during those times (multiple times per day) and success rate 90+%. Daily trying and never returned empty handed. In the event one place have no catch, I go to another place.

Also maybe we should put on first page places which can try to open for you :


Those are the places I tried which entertained me. Just sharing.

managed to open another AS1M (kid above 18) account today at CIMB Bangi. Also topped up 10k ASW2020 and 5k AS1M. First time to that branch, she accepted my request to open account with RM100, without even asking anything, she confidently collected RM100 and asked me to sit and wait.

I just dont know why same bank different branches got different policy, here despite me knowing all of them, they tell me no quota, so wont even try! But top up no problem.

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This post has been edited by nexona88: Jul 22 2015, 10:48 PM

Congrats
U finally found yo destiny @ C+B

True. Be humble smile and keep begging.

Thinking ahead, later in life when you have retired, which one will you use to withdraw money for your expenses - EPF or ASX?

And why?

Just trying to see if there are things I should also consider.

Thanks.

Epf. ASX, hard to get. Epf you can always top up what. The only limit is top up of rm60k/year.

I am sure i am going to use my EPF first.. haha...

Looking back to how difficult it is to deposit it today will make me think twice about it.

But but but.

Eventually is either u use it or left it for future generation.

I think there is also an age limit to the annual 60K top up. Age 60 I think.

Yes, a good point on the difficulty in topping up ASX.


No one looks at the difference in return % from EPF and ASX as to which one to use?

My gut feel is, ASX have higher return potential than EPF as EPF is just too big to maintain a high return, the effect of diminishing return with size.

So, with topping up difficulty & higher return, then it is better to preserve ASX and start using EPF first.

Any other factors to consider?

Cheerio.

Yape, because for EPF, we can always deposit monies into the account whenever we have extra cash..

But for ASNB fixed price funds depends on luck..

Don't know about age limit for topping up. Anyone can confirm?

What I know is they pay you interest until 75 years old. After that epf is useless.

ASX and epf returns more or less than same. Sometimes one is higher and sometimes the other is higher

I tot they have increased to 100 yo