QUOTE(Asmasw2020 @ Apr 8 2016, 04:50 PM)
No. Unless you are a bumiputra then I think can.Ultimate Discussion of ASNB (47457-V) IV, Wholly owned subsidary of PNB (38218-X)
Ultimate Discussion of ASNB (47457-V) IV, Wholly owned subsidary of PNB (38218-X)
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Apr 8 2016, 04:53 PM
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#181
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24,391 posts Joined: Feb 2011 |
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Apr 8 2016, 07:40 PM
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#182
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Apr 13 2016, 11:02 AM
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#183
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QUOTE(MGM @ Apr 13 2016, 09:44 AM) My 15-mth FD with StandChart matures today, did a free IFT to MBB saver-i, later going to do ePlacement to GIA-i(4% interest) using M2U. It could work but if you are buying from maybank via online, you are only entitle to as1m unless you are a bumi. % of topping up online is lower than OTC. You can directly debit the money from M2savers if you are topping up via counter. I intend to uplift these placement at the end of everymonth to purchase units in fixed-price ASN funds, but if unsuccessful will put it back to GIA-i on 2nd day of next month. This would maximise my interest instead of leaving the money in those high-interest Savings Account? Correct me if I am wrong, for this is a rushed decision to put in GIA-i. Any other suggestion? wil-i-am does something like that. Park the money somewhere (don't know where) and dump in at the end of the month. Mind sharing where are you parking your money while waiting for end of the month? This post has been edited by Ramjade: Apr 13 2016, 11:03 AM |
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Apr 13 2016, 11:03 AM
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#184
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24,391 posts Joined: Feb 2011 |
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Apr 13 2016, 04:21 PM
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#185
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QUOTE(MGM @ Apr 13 2016, 11:24 AM) I am parking my money at MBB GIA-i ( 2 types: eFD or physical cert). When it is monthend or 1stday of month I will bring along my GIA-certs n go to MBB to purchase ASx. If successful I will uplift my GIA-cert , or use the branch's internet banking or my own tablet to uplift my eGIA to pay for the ASx. Any balance I will put back into GIA-i without losing a single day of the 4% interest. I have not done this, will do it this month end. Let us know if it works. |
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Apr 14 2016, 10:46 AM
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#186
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QUOTE(princessgalaria @ Apr 14 2016, 10:36 AM) Sorry, super noob question here. 1. Of course you can. Tell us the date and time you are going to withdraw so we can topup. I have ASM (Amanah Saham Unit Malaysia), my questions are: 1. Can I withdraw my dividend? If yes, do I withdraw in terms of per unit or just tell them the amount that I wish to withdraw. 2. If I don't withdraw my dividend over the years, when dividend is declared is it based on a compounding method which means my unit + all the dividend in the past years? 2. Yes based on compounding interest. That's what most of us do. If you don't withdraw, it will take about 11 years to double your original amount (rule of 72). If you do t withdraw your dividends, you will get more dividends every year. That's why those who withdrawal their dividend of ASB, asb2 never see their money grow. This post has been edited by Ramjade: Apr 14 2016, 10:49 AM |
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Apr 14 2016, 11:57 AM
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#187
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QUOTE(filage @ Apr 14 2016, 11:38 AM) Can we confirm what are the "safe" days to topup without losing interest? Is it 30/31st of month to 1st of month (last day and first day)? Or only 1st day? I topup anytine that got unit. That way I am guaranteed of dividends for the next month. Lowest amount y for the month so somehow your money must masuk by the 1st of every month to max dividends payouts.I just heard from someone that they try to open an ASX account at a bank, the bank require all the forms filled up and they prepare the passbook even everything printed out onto the passbook (maybe 1 hour or longer depend on customer crowd), but later when they try to catch units but cannot catch until 100, they will say "cannot open" and the newly created passbook have to be destroyed. Is this true? Fill up the form take less than 10 minutes. After that they try for you. Don't know about whether it's true or not regarding destroying the book. Never really see they destroy it in front of my eyes (during unsuccessful opening) |
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Apr 14 2016, 12:12 PM
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#188
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QUOTE(filage @ Apr 14 2016, 12:05 PM) Yea, not the forms taking time but the queue/delay by the staff. My experience with ASNB transaction at the bank is even if they call your number in 5 minutes, they just take your request and passbook/ forms and ask you to sit down. And they wouldn't do your transaction until they clear off a large number of customers. Like put your ASNB stuff at the side. Later finally process finish most other customers things already, then they startup ASNB program on their computer and only want to start with yours. It seems they don't like to close their bank default software and do ASNB transaction for you immediately, unless maybe they have a special counter just for ASNB. I was quite lucky. Never have issues with queue/delay problem. They told me to sit down. If we manage/didn't manage to open for you, we will call. Usually need to wait like 5-10 minutes for the results.This post has been edited by Ramjade: Apr 14 2016, 12:14 PM |
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Apr 14 2016, 01:08 PM
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#189
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24,391 posts Joined: Feb 2011 |
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Apr 14 2016, 01:30 PM
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#190
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24,391 posts Joined: Feb 2011 |
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Apr 19 2016, 10:35 AM
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#191
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24,391 posts Joined: Feb 2011 |
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Apr 19 2016, 12:45 PM
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#192
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QUOTE(wywy2020 @ Apr 19 2016, 12:42 PM) ic....when open for selling? if yes then better wait for this new product? Is not confirm. Just rumours. Don't be surprised if they didn't announce any new fund during msam 2016.Ya....cash is troublesome..... However, prepare you cash in advance. Monday go Henham if really new fund. |
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Apr 19 2016, 06:58 PM
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#193
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QUOTE(kkk8787 @ Apr 19 2016, 06:39 PM) plz SIfus please leave some for me..haha... my way very risky lo...Ill withdraw all cash from bank then drive to ASBN office with the stack of cash. I scared also sometimes Give you a tip on how to use cash to topup. Bring max RM10-20k cash. If you have more, repeat the process. I never carry more than RM20k cash and yet all my cash sure go in. Most also need to come back second day. Never need to repeat until 3rd day. Experiment all the banks and see which one you like. You can just walk into any Maybank/Cimb/RHB/Post office. Not all banks eyeing for oscar. |
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Apr 19 2016, 07:13 PM
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#194
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QUOTE(kkk8787 @ Apr 19 2016, 06:59 PM) Banks. There is no ASNB near my place. That RM20k was one time incident. One shot it masuk. I usually try multiple time RM3k-RM5k. If still got left overs at home, will come back to the bank and try luck. If feeling lazy or don't have, will continue the next day. |
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Apr 22 2016, 01:34 PM
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#195
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24,391 posts Joined: Feb 2011 |
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Apr 22 2016, 01:47 PM
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#196
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Apr 22 2016, 07:03 PM
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#197
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QUOTE(kkk8787 @ Apr 22 2016, 06:09 PM) Non bumi asw as1m asm around 6%. Asb asb2 recently how much, around 8 right. Still better than non bumis. Does that mean if bumis no point having fds Most likely. They use it mainly as a SA. For me personally, no need for FD if I have my ASM and asw2020. The only FD I ever use is now is maybank eGIA-i 4%. Currently transferring all my FD to asw2020 and asm. FD upon maturity you get interest. But amanah saham, have to wait until maturity date. Also, there are some Chinese are being anti-gov who avoid all financial related stuff to do with government. Hence they will never touch amanah saham. A very good example is unker dreamer who avoids amanah saham. |
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Apr 22 2016, 07:08 PM
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#198
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QUOTE(kkk8787 @ Apr 22 2016, 07:07 PM) ya. the maturity is once a year announcement right. its something like a 1 year FD. anyway what do u do to the subsription slips copies everytime u bank in. U know the carbon copies they give u everytime u successful. I throw away wo. Keep it for a while for few months. Always good to have that copy. Can dispute in case something happen. Here's my story.QUOTE When I open my account at klia2, the officer forgot to chop and sign my book (front page) Luckily I kept that carbon copy as proof. Went back a few days later and got the chop and sign. Not sure if they will chop and sign without that slip. Might have to visit asnb office. This post has been edited by Ramjade: Apr 22 2016, 07:14 PM |
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Apr 22 2016, 08:17 PM
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#199
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Apr 24 2016, 09:39 AM
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#200
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