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 Ultimate Discussion of ASNB (47457-V), Wholly owned subsidary of PNB (38218-X)

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wil-i-am
post Oct 2 2015, 06:52 AM

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QUOTE(HJebat @ Oct 2 2015, 12:26 AM)
If want to draw comparison between ASM, ASW & AS1M, ASW stood out because historically it has the best dividend income & highest c/f income distribution (my record shows since 2013 only la) compared to the other 2 fund.
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In fact, the returns for ASW, ASM n AS1M is almost the same
Below is the average returns for past 5 yrs:-
ASW - 6.560
ASM - 6.576
AS1M - 6.556
wil-i-am
post Oct 2 2015, 09:31 AM

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QUOTE(nxtpg @ Oct 2 2015, 09:26 AM)
Update as of now
Transaction status is finally approved
So i got extra rm10k in as1m. Thru cimb clicks yesterday.
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Congrats rclxms.gif
wil-i-am
post Oct 2 2015, 02:04 PM

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QUOTE(nxtpg @ Oct 2 2015, 10:50 AM)
Managed to open asm 5k n top up as1m 1k. Asm2020 tada[attachmentid=5041435]
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Congrats rclxms.gif
wil-i-am
post Oct 2 2015, 03:42 PM

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Better buy fast b4 units sold out
wil-i-am
post Oct 2 2015, 04:23 PM

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Official promotion by ASNB
http://www.asnb.com.my/v3_/pdf/promo/LOL/l...20151001_EN.pdf
wil-i-am
post Oct 2 2015, 04:24 PM

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QUOTE(plumberly @ Oct 2 2015, 04:23 PM)
Went to the Pos to update my AS1M. Not many people there.

Cross check their calculated dividend with my spreadsheet. Not 100% the same. I cannot see the month clearly for one entry and thus the dividend for that amount is either over-calculated or under-calculated by 1 month in my spreadsheet. No problem for me with the small difference.
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Did u top up?
wil-i-am
post Oct 2 2015, 05:43 PM

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QUOTE(nxtpg @ Oct 2 2015, 05:08 PM)
Each online transaction is one entry for a min rm2k.
So if put 10k also one entry unless we do it 5 times (2k each)
More work...
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Agreed
Main objective is to top up
Any unexpected gift is a Bonus as it's purely Luck

wil-i-am
post Oct 2 2015, 05:49 PM

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QUOTE(alexanderclz @ Oct 2 2015, 04:57 PM)
just a matter of perception and preference
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Agreed
After all, investors ultimate aim is to chase for returns
wil-i-am
post Oct 2 2015, 05:57 PM

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QUOTE(Vincent9696 @ Oct 2 2015, 05:54 PM)
Never try before , so far bsn service not pretty good , 10 number gonna spend almost 2 hours only till my turn when withdraw FD .
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U seems to have FD everywhere notworthy.gif
wil-i-am
post Oct 2 2015, 06:11 PM

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QUOTE(alexanderclz @ Oct 2 2015, 06:07 PM)
he has many other fd in other bank as well. speaking of which, kerajaan jamin how much? lol
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Unlimited brows.gif
wil-i-am
post Oct 2 2015, 06:38 PM

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QUOTE(Hansel @ Oct 2 2015, 06:27 PM)
I see that over the years, 2 sen has always been brought forward for the following year. Will all this accumulated 2 sen from the early years be used as loan to the gomen or to buy MGS ?

The 0.5 Sen c/f this year for the AS1M is the lowest ever seen. Perhaps, next year for AS1M, this 0.5 Sen will be used to top-up the dividend that could be given out.
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ASNB might use surplus to buy 'anything' as they dun disclose all investments in AR other than equities
wil-i-am
post Oct 2 2015, 06:50 PM

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QUOTE(Vincent9696 @ Oct 2 2015, 06:46 PM)
Few bank only which i more prefer...not only FD , i got investment fund , derivatives, shares also....

Diversified my portfolio...hehe
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Can share a bit of investment fund n derivatives via PM?
wil-i-am
post Oct 2 2015, 06:51 PM

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QUOTE(Vincent9696 @ Oct 2 2015, 06:49 PM)
3 counters , working attitude problem... Bank teller finish the customer enquiry ady , the number still not go to the next , in fact , after 10minutes only they  click for the next customer turns
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Staff bz reply message at smartphone
wil-i-am
post Oct 2 2015, 09:27 PM

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AS1M experienced difficulty to generate sufficient Pendapatan in 2015 to pay reasonable dividend
In 2014, it generates EPU of 7.97 cents -v- 7.46 cents in 2015
Tis explains y it resort to declare lower dividend plus c/f smaller reserves to next yr
wil-i-am
post Oct 2 2015, 09:37 PM

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QUOTE(HJebat @ Oct 2 2015, 10:40 AM)
Theorically, I concur that for an average of latest 5-year performance, those 3 funds generate almost the same return...(wil, I think the correct figure for ASM is 6.516, not 6.576 wink.gif ).
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6.516 is incorrect as u took 6.50% returns in 2013 instead of 6.50% + 0.30% (bonus) = 6.80% [correct/actual]

wil-i-am
post Oct 2 2015, 09:54 PM

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QUOTE(ohcipala @ Oct 2 2015, 09:50 PM)
Few times I went to cimb and every single time  they told me system down la, system slow la this and that la. Then after that they try to sell me bijak malaysia. Now I never go to cimb for ASX business.

And I also had a bad and rude experience when I try to open a second account with them. If only my employer accepts another bank besides cimb as my payroll account, I would have ditched them long ago
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Totally opposite for me
I went to CIMB to validate dividend plus top up on 1/10
Their service was efficient n gud
wil-i-am
post Oct 2 2015, 09:58 PM

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QUOTE(Pisanggoreng @ Oct 2 2015, 09:58 PM)
Wow!!
Yesterday I used m2u to top up as1m. Confirmed went thru already coz i updated my passbook today...
While at the bank, i managed to top up another 1k...
And also managed to open a new asw account ... Surprising...as many here said asw sudah penuh yesterday..
But i only open RM100...didnt top up coz no bullet biggrin.gif
Company retrenchment need to have some ready cash for stormy weather lol
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Congrats on yo new ASW a/c rclxms.gif
wil-i-am
post Oct 2 2015, 10:04 PM

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QUOTE(Pisanggoreng @ Oct 2 2015, 10:02 PM)
Thanks bro..
Still ASM missing from my collection tongue.gif
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M confident u can open by tis mth if u put in some efforts due to no specific quota for each race
wil-i-am
post Oct 2 2015, 10:10 PM

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QUOTE(Pisanggoreng @ Oct 2 2015, 10:06 PM)
Maybank klcc
Baik punya..
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In KLCC, there is Maybank, CIMB, Rhb n Pos
Among the 4, y u choose Maybank?
wil-i-am
post Oct 2 2015, 10:20 PM

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QUOTE(Pisanggoreng @ Oct 2 2015, 10:17 PM)
Coz i'm only using maybank since my company have to use that..
And i can just transfer from my account.. No need cash..
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Moving forward, u can capitalize on all the 4 Agents within same vicinity for top up thumbup.gif

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