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 Ultimate Discussion of ASNB (47457-V) V, Wholly owned subsidary of PNB (38218-X)

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wil-i-am
post Jun 2 2016, 10:19 PM

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QUOTE(Ramjade @ Jun 2 2016, 05:21 PM)
4.x+% My FDs all have the highest promo rates by affin bank. No more board rates/low promo rates as I don't believed in giving banks free money.

I think that's only for ASB & asb2. If like that, we take loan and buy ASX FP liao.
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I presume 4.33% for 15 mths with Affin

Nope as ASW/ASM/AS1M wud earn higher dividend as compared to HL < 5%

wil-i-am
post Jun 2 2016, 10:32 PM

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QUOTE(OPT @ Jun 2 2016, 10:08 PM)
But the additional gain in interest will more than make up for the loan interest...
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Your maths is gud
smartinvestor01
post Jun 3 2016, 08:52 AM

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QUOTE(prince_mk @ Jun 2 2016, 04:43 PM)
Tomorrow i will take a rest. Need some cash in the bank loan acc to supress the interest.

No choice, at this age, we are subject to housing loan and car loan. Luckily not yet family. If not, surely no savings.
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Yes..

Since the time when i have my housing loan, quite difficult for me to allocate funds for my ASX.. cry.gif

Not even talking about having one family, the savings are exhausting very fast.. blink.gif
hyelbaine
post Jun 3 2016, 09:00 AM

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QUOTE(tonytyk @ Jun 2 2016, 07:10 PM)
Not risky? All fund without PIDM Protection, not worried?
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PIDM only covers BANK deposits and INSURANCE products ONLY. Investment vehicles such as stocks, bonds, MGS, unit trusts, etc2 does not apply.
wil-i-am
post Jun 3 2016, 09:04 AM

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QUOTE(hyelbaine @ Jun 3 2016, 09:00 AM)
PIDM only covers BANK deposits and INSURANCE products ONLY. Investment vehicles such as stocks, bonds, MGS, unit trusts, etc2 does not apply.
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Any possibility for PIDM to cover UT in future?
tonytyk
post Jun 3 2016, 09:49 AM

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QUOTE(hyelbaine @ Jun 3 2016, 09:00 AM)
PIDM only covers BANK deposits and INSURANCE products ONLY. Investment vehicles such as stocks, bonds, MGS, unit trusts, etc2 does not apply.
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That was not reason the question was posted, you missed it out?
nsk8138
post Jun 3 2016, 09:51 AM

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hi, do you know which bank service good in mid valley? CIMB ? Maybank? RHB ?
wil-i-am
post Jun 3 2016, 09:57 AM

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QUOTE(nsk8138 @ Jun 3 2016, 09:51 AM)
hi, do you know which bank service good in mid valley? CIMB ? Maybank? RHB ?
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Personally I choose CIMB
adymfi
post Jun 3 2016, 10:07 AM

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QUOTE(nsk8138 @ Jun 3 2016, 09:51 AM)
hi, do you know which bank service good in mid valley? CIMB ? Maybank? RHB ?
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for me, I prefer CIMB Taman Semarak, Nilai. Friendly staffs with superb express service. rclxms.gif


nsk8138
post Jun 3 2016, 10:15 AM

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QUOTE(wil-i-am @ Jun 3 2016, 09:57 AM)
Personally I choose CIMB
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Thanks, will try it later rclxms.gif

QUOTE(adymfi @ Jun 3 2016, 10:07 AM)
for me, I prefer CIMB Taman Semarak, Nilai. Friendly staffs with superb express service. rclxms.gif
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sound like many cimb staff provide good service~ hmm.gif
nsk8138
post Jun 3 2016, 10:24 AM

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can I try to buy AS1M from bank directly eventhough I never baught AS1M before (i dont have AS1M book) . But I have same account number in ASM & ASW. tongue.gif
Ramjade
post Jun 3 2016, 10:34 AM

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QUOTE(nsk8138 @ Jun 3 2016, 10:24 AM)
can I try to buy AS1M from bank directly eventhough I never baught AS1M before (i dont have AS1M book) . But I have same account number in ASM & ASW.  tongue.gif
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No. You will need the as1m book.
wil-i-am
post Jun 3 2016, 10:40 AM

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QUOTE(nsk8138 @ Jun 3 2016, 10:24 AM)
can I try to buy AS1M from bank directly eventhough I never baught AS1M before (i dont have AS1M book) . But I have same account number in ASM & ASW.  tongue.gif
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U need to open a/c for AS1M 1st b4 try to top up
yvonne2016
post Jun 3 2016, 12:00 PM

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just now
I tried CIMB ONLINE
seems that
they open ASW < ASM for online top up already
coz My dropdown box have 4 accounts
ASM, ASW, AS1M With 9 digit account - I haven't delete them yet
and AS1M With 12 digit - new account

anyone try already ?



nexona88
post Jun 3 2016, 12:00 PM

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QUOTE(nsk8138 @ Jun 3 2016, 10:15 AM)
Thanks, will try it later  rclxms.gif
sound like many cimb staff provide good service~  hmm.gif
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for me CIMB staff is the worse. always give all kind of excuses like system down, non-bumi transaction "blocked" etc. bangwall.gif

Maybank & RHB seems better thumbsup.gif
tonytyk
post Jun 3 2016, 12:12 PM

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QUOTE(yvonne2016 @ Jun 3 2016, 12:00 PM)
just now
I tried CIMB ONLINE
seems that
they open ASW < ASM for online top up already
coz My dropdown box have 4 accounts
ASM, ASW, AS1M With 9 digit account - I haven't delete them yet
and AS1M With 12 digit - new account

anyone  try already ?
*
4 accounts? Asw, Asm, As1m and?
nexona88
post Jun 3 2016, 12:13 PM

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QUOTE(tonytyk @ Jun 3 2016, 12:12 PM)
4 accounts? Asw, Asm, As1m and?
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u read back the post.

as1m have 2 account number. 9digits & 12 digits biggrin.gif
twinkle5129
post Jun 3 2016, 01:10 PM

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QUOTE(nexona88 @ Jun 3 2016, 12:00 PM)
for me CIMB staff is the worse. always give all kind of excuses like system down, non-bumi transaction "blocked" etc.  bangwall.gif

Maybank & RHB seems better  thumbsup.gif
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nod.gif nod.gif nod.gif

OPT
post Jun 3 2016, 01:37 PM

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QUOTE(twinkle5129 @ Jun 3 2016, 01:10 PM)
nod.gif  nod.gif  nod.gif
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Suddenly this forum not so active and fun liao without the daily update biggrin.gif
twinkle5129
post Jun 3 2016, 01:42 PM

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QUOTE(OPT @ Jun 3 2016, 01:37 PM)
Suddenly this forum not so active and fun liao without the daily update biggrin.gif
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How about you?

Will you still be looking for all 3 ASx- ASM, AS1M & ASW?
I'm just going for ASW. Can try slowly. No need active hunting.


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