How much they carry forward?

If maybank don't rhb don't entertain you, go to other banks. Don't one shot try RM70k. Try RM10k. Best time morning when banks open (0930), lunch time (12-1230), at 3PM

Hmmm, 6.9% don't tell me next year they are going to use their reserves to give 6+? Don't tell me my prediction of PNB reserve for ASX is min 3 years is coming true.

Guess is the market.

From calculations they can give out 6.x% dividends for minimum 3 more years if they use only their reserves

Just go topup. Bring your book, take no, wait to be call. After that go to counter tell them you want to buy. They said full, tell them if got units available, can buy.

Stop being so worried. Just go. Just sometimes it happen no units. Not available try again at another branch or another time.

Why so worried?

Like I said, my confidence level is 5 years. After the 5th year, may pull all out.

How to topup? Only have ASM. Second, no money. So just watch.

What's there to see? The only action to see was yesterday and end of this year.

I won't say 6.6% but 6.x%. 3 years for their dividends from their reserves assuming that they have been keeping aside 2%/year for 10 Years+. If FD can give 4.X%, all they need to do is say dig into their reserves for the 2%. 5 years is for me to pull half my funds out of malaysia.

2) & 3) National interest. If they change something. Mass panic. People withdrawal. No more cookies for them to eat. Right now, we can see that the hand have indirectly invade the cookie jar. So it will be a matter of time before the cookie finishes. I will let them take their cookies for the most 5 years as they will replenish the cookie jar but it won't go back to normal ( I am seeing a deficit) but enough to last 5 years. After all, they still need to eat the cookie. By doing something like that, they won't have cookie to eat, then you know what will happen.

4th and 5th year that's when we need to start worrying. Dividends might drop to 4.x%

Hope that answer your questions.

This post has been edited by Ramjade: Oct 1 2015, 09:08 AM

Go to bank take no. Bring your book. Wait your turn. When your turn come go to counter, they will tell you full (standard reply) tell them you know can topup cause got empty units. Tell them how much. Don't put too much one shot. Try rm5k-10k first.

Sure get

How to tendang if nowadays got lots of units? To be safe play with RM5k.

This post has been edited by Ramjade: Oct 1 2015, 12:00 PM

He already said ASM, AS1M cukup in last thread. Now shifting gear to ASW2020.

Just try la. What is Rm1+ when it comes to paying for Petrol and parking. Try rm10k. If you are scared cannot get try rm5k. Rm5k sure can get.

Where did you open?

Well you know if your money is not refunded. If your money is refunded means got rejected.

Next goal should be FSM. Or do like unker dreamer, ETF in the US

Something doesn't seems right. Maybe PNB have instructed the staff to be actors to give the impression "don't worry be happy" to create demand so in the coming days more people will top-up?

Or wrong timing? My success rates of topping up ASM last time is always >90%

Withdraw from as1m, dump into asw2020? Become sort of "tranafer'

Simple. Ask for asw2020 rm10k. They said got, give them the ASW2020 book. Do not show them the AS1M book yet. After that give them the as1m book to them to withdraw. That way they cannot cheat you. Cause once printed, is inside already.

This post has been edited by Ramjade: Oct 2 2015, 10:28 AM

No contra? I use contra at maybank no problem (remove from my maybank account)

Worse come to worse show them the book but don't letto topup them key in your book account no. Tell them you want to topup.

Agent bank. Never been to asnb