all these for bumis only? coz fixed depost at most 4.65% per annum.

these one after 1 year can take out?

yamate has a lot more than just 200k.

and, on your other post, i dont think you need to withdraw money in excess of 200k. it just means you cannot deposit more than 200k.

I am confused by this statement.

Are you saying that once your total dividend gets to RM200k, you no longer get additional dividends? I am aware that principal gets capped at rm200k and your dividends would be based on 200k max but I didn't know that you stop making dividends once your account gets to rm400k

dividends are based on the full 400k.

its just that the 400k is made up of 200k principle (cannot go higher) and 200k total historical dividends (can go to infinity)

every time u get dividend, the historical dividend increase increasing your cap

but the principle is max at 200k

to me, the existence of asb benefits all malaysians.

before ASB, many malays invest short term, when they get 20% return from market, they spendspendspend. then when market down 20%, they go bancrupt. then they go riot

with ASB, ASB absorb the risk, and maybe get a spread of 1%-2%. and gives back 7% return to investors. This basically teaches malays the benefit of investing for the long term

if u want 20%, wait 3 years. if u want 100%, wait 8 years.

furthermore, because now malays know how to invest, they wont splurge and hence wont riot and destroy the riches of all race. Everyone benefits.