hey hi folks.

This is my first time posting in here.

I've married for 3 years, and now my finances have stabilized (cut all debt etc, now only left occasional CC debt)

I'm thinking of putting say RM300-500 per month into my wife's ASNB (amanah saham bumiputera), since I cannot and will not have an ASNB account of my own. However, from reading from page 1 to the 30s and all, (as well as the first page), I get the impression that

a) putting money / savings into ASNB = bad move compared to putting it into a FD?
b) ASNB doesn't 'reinvest' payouts into new units, but instead in cash?


Just to point out, i'm no masochist, and me and my wife are playing it safe, as safe as possible (even though the real caveat is that the savings will grow super slow, but its alright, we just want it to be safe, protected, and we're quite conservative, not the daring kind ala economic hitman)

From what I gather, if by luck i can ever max out ASB (if I can ever, like in 20 years), before even thinking of opening up other accounts at RM200k, the best way to achieve this is to conservatively put in a few hundred up to thousands of RM into ASB and leave it alone. Correct?