I tell people I save, people don't believe me. I tell people I can save rm1k/month, they don't believe me. If you never use any of your angpow money or chase new phone every year or go drinking and you can save rm1k/month, guess how much one can put aside.

Those are money which I dump into FD. In the process of transferring all into amanah saham once they are matured. And you know FD promo rates need min rm10k.

Please la. If I am rich, for what I save? I have lots of friends who don't have any savings. They finished up all their monthly allowance. It's easy to finish your money. Eat at fancy restaurant 4-5x/month, buy H&M clothing every month. I buy pakar malam clothes only and eat mixed rice.

Not true. Teller trying to win Oscar. I always topup at cimb first. If not lucky at cimb, then I will go to Maybank.

This post has been edited by Ramjade: Mar 8 2016, 01:09 PM

Although I am still a student, but if you are able to reach my level of spending, you will see that there's nothing else you want to buy/treat yourself and you are able to resist the temptations.

Fancy food at restaurants/hotel? All turn into poop and long term wise bad for health.
Smokiing and drinking? Why would I want to put toxic into my body?
Buying branded clothes? I compare the one sold in pasar malam and the branded one. Can't tell the differences.
Buying new phone? Get Kick for short while then the phone is same. For every RM1k I save. I can earn Rm60+ from ASX FP.
Car? For what I want to pay so much for something which deprecated in value?
House? If I have the money. House is too damn expensive.
Vocation? Haven't been on one. But planning to.

So as you can see, I have nothing to spend on.
So what to do? Put it aside in amanah saham

I don't think you can withdraw online.

Last time they said can. Most recently they tell me no. (few months back). Ask the bank and see.

Cheque or units, I will still get my 4 figure of payout. If cheque, just extra work to "re-tambah unit" Wish it was units. Make my life easier.

Btw, just got discharged from hospital due to dengue.

This post has been edited by Ramjade: Mar 22 2016, 07:54 PM

No financial urgency. No financial education. Live the moment. Spend now, worry about life later. "I haven't even think about the future". "Why think so much now?"

Those are the words used by my friends whenever people ask them about their plan.

No waiting list. Got units means is yours (whether you have money or not). Based on first come first serve.

5 years. Compare it with UT offer by FSM. That should be enough time. Heck 3 years is also enough to gauge a return of a product.

They didn't give a clear answer.

Btw, I thought payout is only after 31/3 (only on1/4 we will know whether cheque or unit)?

For me 4 digit. don't know if they give cheque want to tambah into asm or asw.

This post has been edited by Ramjade: Mar 28 2016, 08:19 AM

Did you contact their customer service regarding that issuw? Excellent if units. Don't need to cash in the cheque and try luck for units.

This post has been edited by Ramjade: Mar 28 2016, 08:29 AM

How many digit expected dividend?

Confirm already units and not cheque?
I find that hard to believe.

Can be rm1-2k dividend also what. If 5 figure than really

Not HNWS. Yup still saving rm1k/month into ASX. Still lacking quite a lot to reach my target.

Frugal student more like it.

Asm ~ 2 year +
Asw, as1m < 1 year (as1m didn't topup anything)
Asg ~ 3 years + (going to withdraw and dump into FSM. Never topup anymore)

Don't know. But I will make sure the NAV is higher when I liquidate. Never really follow.

Asnb declare dividend for ASM. Only it wasn't clear dividend going to be in units or cheque. Cheque is given if no approval from SC to increase fund size. If give cheque, got extra work to do. Cheque > cash in cheque > try luck in topping up.
If units, just update book.

UT by FSM give better returns than ASG. ASG service charge 5% + 6% GST. FSM service charge max only 2% + 6% GST. That's the reason I am going to liquidate and taruh all into UT by FSM. Liquidate when confirm profit and not loss.

Fund Super Mart is an online platform for you to buy UT. Better than going through agents which will charge you 5% service charge + 6%GST. Just think of it as Tesco. You are responsible for what you are buying (if your fund didn't perform and make a loss). All DIY.

Good. Now you can try topping up online. AS1M is the only fund where one can topup online.

This post has been edited by Ramjade: Mar 28 2016, 04:58 PM

ASM and ASW2020 cannot topup online. Keep in mind that each online try regardless successful or not will be charge RM1.06