Really? In my few recent experience trying to open ASW2020, the counter staff asked for my form and cash even before they check

that's the way of life bro. what if already topup 5k but u can't produce the money? cancel? that doesn't make sense.

And during my last experience, the counter staff forgot to return me my money until I asked from him

Go to another friendly bank?

There are people who tried their luck to buy units but did not bring any/enough money with them. ASNB staff told me. After managed to buy only begged the staff to wait for them to withdraw money. Of course the staff can cancel the transaction but if there is audit going on at that time, the staff will be in trouble. Should be same case for bank staffs.

My ASM holdings are stagnant at the moment also because I was also told that the system quite tedious for the tellers to try out. As normally my trial is only a small amount, now I would just try my ASW2020, and AS1M followed by ASM as the last account to try.

But currently, AS1M represents the highest holdings compared to the others, while ASW2020 represents the most lowest holdings.

Maybe I should try to put more effort on ASW2020 since the holdings are quite low..

No other option other than walk away from the bank?
Official complain to the bank's HQ or ASNB pun kenot pakai ka?

There was one thing that was pondering in my mind..

Just curious.. ASM is now using the new system, so will AS1M and ASW2020 be also using the new system and new passbook?

Any idea on this? As for the implementation of the new system, it become more tedious for the counter to do trial compared to AS1M and ASW2020 which uses the old system..

better share with us your secret to success

Can if he provde step-by-step guide. If I make millions via my investment, of course I will share with people. If business then 

Those kind of books won't help. It will just help the author to become richer. Best is write down step by step buying which port folio, when to dump (live-update)

Can I say richer is getting more richer coz they have plenty of capital and diversify into all sort of investment.

Haizz.. that s y we are here discussing and finding way to be on track like them.

FORUMMING AND DISCUSSING OVER FORUMS IS THE RIGHT WAY ! BUT BE MINDFUL OF WHAT YOU READ AND DIGEST OVER THE INPUTS CAREFULLY.

Definitely. Money makes money. See below which happens to many people:

After leaving school at 20-23 years old
- 1st saving gives to Toyota Vios
- 2nd saving gives to mother in-law and honeymoon+premier photobook
- 3rd saving gives to a small house
- 4th saving gives to kids (day care+milks+tuitions)
- 5th saving gives to Toyota Camry
- 6th saving gives to a big house
- 7th saving gives to kids (local/oversea study)

How much left from earning for investment?

Guys, is AS1M inferior compare to ASM or AsW? Last time always hear people said the AS1M is not as good or so on and some say things like not capital guarantee or got some service charges in future compare to ASM or ASW. Is that true? But i notice it can generate 6.x% yearly which is comparable to ASM or ASW rigth?

I think this concept here is similar in=principle to what our EPF is telling us in the recent amendment towards the EPF Act. ASNB benchmarked our AS1M dividend rate to 4.0% only, but when the dividends are given out, they exceed 6.00%.

Any idea why are they only promoting topping up of as1m online and not asw2020 or asm as well?

how to top up..?
login m2u - inves asnb - asnb payment/asnb limit ??

my friend who work in ASNB. the memo should be officially post in main website next week