My unit trust investment in variable price ones is also making a loss..

I am wondering whether to wait until next year or not..

Its been a year using DCA but still making a loss despite income declaration (maybe because of the previous turmoil)

I was actually deciding on whether to liquidate and put to FP..

Still unable to decide..

This post has been edited by smartinvestor01: Nov 12 2015, 11:16 AM

Well, most of the time when i was to try ASM, the teller say can i try the others?

Lol.. It seems to me that it was not the preference of the teller to try ASM at the first place unless at the time that there are not much customers waiting..

So my strategy changes whereby i will try ASM first when there is not much customers waiting..

I went to try top up just now..

Intended to try RM350 for my ASW2020, but only got RM200..

So balance RM150 i put to AS1M..

As such, ASW2020 is now based on luck already..

He sure has a lot of chunks of money to try over the counter..

Really makes me wonder how he made so much of money.. Really envy...

I believe he means that all information shared here should only be used as merely reference and information that does not support an important decision making..

Something like a disclaimer.. i guess..

That time when i still recalled ASNB mentioned that the benchmark return was about 4.0% per annum, but somehow many of the people believed that the returns are only 4.0%..

Instead what they forget what the term ''benchmark''..

With the implementation of the new system on ASW2020, i will be assuming that many OTC officers will be more reluctant to try for us (non HNW clients) based on what i heard that the new system is very tedious compared to the old system..

No choice..

As normally the amount that I put in is quite minimum, most of the times i see the officers are quite reluctant..

Maybe i should try to put in higher amount.. lol..

Problem is the amount i put is less than RM1,000..

Yes, I also recalled that the officers also say the new system quite slow..

Also thanks for the reminder..

Not sure.. but the answer will be out when ASW2020 have change to the new system..

But for some investors who have invested in both ASG and ASM, they can check straight away..

This post has been edited by smartinvestor01: Nov 16 2015, 04:14 PM

If the account number for ASM and ASW2020 are the same, would it affect our flexibility to try over the counter?

If curious as I heard many opinions about this..

Few years back when i was doing sales, an officer from RHB informed me that once all funds has been upgraded, a person can only try once over the counter but i am not sure whether the one time refers the chance to try deposit in multiple different FP, or can only opt to try for 1 FP at a time..

Which means if i have three FP funds, i can only opt to try one of the three funds over the counter.. if not successful, i need to try again by taking number again..

But this information is not validated..

Oh.. what i heard is from different account (e.g: .. maybe when ASW2020 new passbook is ready, can try..

The information from the RHB officer might also be biased and inaccurate also because that officer try to promote ASG and Imbang after informing me about this.,.

This post has been edited by smartinvestor01: Nov 17 2015, 02:36 PM

Yape.. that should be the rationale behind it..

Yes.. because the confidence of the investors are still majorly on fixed price funds compared to variable price funds..