your sarcasm   

After the dust is settled, u consider to come back?

most of us always forget the main purpose PNB is set-up in the first place.

it's purpose it to increase bumiputra equity participation & create some wealth for them.

but somehow half way, they open up some funds for others malaysian to buy. that's why asw2020 have 51/49 quota (under Tun M administration). later it's change to free to all (asm) and back to racial quota under Jibby administration (as1m)

yes, we must not too depend on pnb. the needed to diversify.

for those earn juz enuf to cover their monthly expenses & have very little savings, then pnb funds is the way to go.
for myr 500 or less, u wanna invest in sreit    better invest in PNB or FSM too if really want foreign exposure

u to you, Hansel, but remember there are also non-bumi not as able and lucky as u. I remember a statistics stating that 25% of Chinese students drop out after form3.

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.

that what I doing now 

and since ASx divvy is kinda stable for now (even when the market is bad). so no worries

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.

Basically this explained the whole view of ASX.. Nicely written and straight to the point.

Yes, the reason I like the fp is that relatively safe, stable return, and this 2 factor = worry free. And whats the best is that you actually no need to do hell lot of research to earn that 6%. Well compared to the 10% which is high risk. This fund for me I think is suitable for those uncle and aunty which is going to retired and to those student which is really really busy with the study life. Or no life.

Who don't like money? I myself frankly speaking, FSM actually under my radar and I wanted to try it so hard with maybe around 1000.00 myr. But, I can't really find out the time to do this... Just too busy..... But looking at other people like those in art stream student or free life student ** take note I am not looking down on them, I just comparing the leisure time we had ** going shopping mall, watch movie, not enough money take from dad and mum, those with girlfriend more worse, take dad and mum money go raise gf, buy this buy that in the end don't know got become husband and wife or not spend so much money already. What la... Use the money buy UT or what or FD also more return than the gf. Well maybe got fubu and they might think is worth it.

And this ASX also, not that clear actually the whole thing. Do they actually earn? Or do they actually can give more than 6%? Or do they actually give out the reserve eventually, because from what we see, every single year also got reserve, impossible la only 6% pa.... For the past 20 years reserve around 2 %... ** this they said they capable of giving out 8% pa every year ** where is the rest? Pink spider do highlighted this points.

Too much to write. Now getting old already....

Well, that's my point of view tho. for me at least. you shouldn't generalise all in 1 statement...

You have to understand 1 point. Not every single field works the same! If those studying account finance related or business administration waste their time on not trying on doing investment like you said.... then its really sucks.

On the other hand, take doctor as an example. If HO, no need to say.. Time confirm not enough, they rather sleep, then playing what investment. We take MO as an example. Life as a MO just slightly better than HO. 8 - 5 confirmed. If oncall straight >24 hours. Later post oncall need join ward round. That also depend on what department you are in A and E definitely busy. O and G also sure busy. And the next day 5pm go back rest la.  Or writing report, prepare for specialist training... and discussing with consultant. Thing repeats.....

While a more leisure job - teacher. 6 - 2 confirmed. Maybe one of the days 6 - 6 for koko or weekly meeting. Go back around 7, marks paper, prepare lesson plan for next day until 10. Sleep. Now they doing better. Last time under moohy got want online fill up data. need to wait till midnight for server to cool down that even keluar newspaper. Impossible you miss this news. Now that server closed shop already...

I take the 2 jobs above as example because I find them really busy and really time constrain, and yes, they are pretty young too around 24. whats better investment for them? Maybe property? FD? ASX? If they having family... More serious

Well, for student. The Big 3 - Med, Dent, Pharm. I know they really really busy. And hell lot of stuff to study. Don't believe? Ask kkk8787. 8 - 5 confirmed. Make presentation, study, essay writing, case writing, follow up. All takes time. All stress up and I do understand sometime, they go and relax abit via some entertainment...

Who don't want money... Who... For those slack people, lazy people surely wasted. But those are doing the right thing at the right time, persuading their dream, contributing to the community, you cant say them rather earn less so as to have easier life.

That's always been PNB/ASNB's mantra. They'll never claim that their dividend payment is the highest among UT but they're pretty proud not to have missed paying out dividends since the economic downturns of the late 80's, 97/98, 2001/2002, 2007/2008 and the current slowdown/downturn.

While FSM and the rest may be able to provide excellent returns some of the time, the ASNB products pay dividend all the time and to most people, that consistency and peace of mind is more important. It all goes back to risk vs reward basically.

And if SC really does not allow for the FPs to increase in size (except for ASB of course, even ASB2 has a fund size limit) then units for these products will be in even greater demand.

true. FSM do give higher return, but same time can give u huge losses too 

so here & there to balance it up our portfolio, so that we don't get some heart attack when market crashes 

and I do see now there's lack of unit availability. people now realized that ASx fund is the best place to park their money. previously last year or before. there's a lot of units available, but not enuf money to buy up all. Now got some money, but no units available 

Still practice law? Do u give investment talk in KL?

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.

You practice law in JB? Easier to do investment in Singapore.
Since u are into S-Reits, is this a good place to learn? http://singaporeanstocksinvestor.blogspot.my/