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

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Ramjade
post Jun 16 2016, 04:27 PM

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QUOTE(wywy2020 @ Jun 16 2016, 04:25 PM)
but it is only 4 years to go to reach 2020.  blush.gif
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2020 is just nama je to differentiate each PM. Same like 1M, Islam Hadari
Ramjade
post Jun 16 2016, 04:39 PM

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QUOTE(virgoguy @ Jun 16 2016, 04:38 PM)
Is it only applicable to RHB or same goes with other banks?
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All agent banks. But I am not sure if RHB let one topup all 3 fixed price fund.
Ramjade
post Jun 16 2016, 05:01 PM

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QUOTE(aromachong @ Jun 16 2016, 04:54 PM)
getting a new book is difficult i'd say.. u need some tricks haha..
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Not really. It just depend on luck and timing.
Ramjade
post Jun 16 2016, 07:41 PM

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QUOTE(voyage23 @ Jun 16 2016, 07:39 PM)
Managed to top up a very small amount of RM500 today for AS1M.

I was one of the winner for the previous online campaign where if you deposit online with a minimum of 2k you stand a chance to win RM5k. So I won. And they called me saying no units for AS1M, can they put in ASG instead.

Good thing I have learned a lot from here so I insisted no variable funds, they can try my ASM or ASW2020 instead. Then they told me in their T&C ASM/ASW2020 cannot. So I said to her you keep trying for AS1M till you get then, no such thing as no unit.

Today when I updated passbook with RM500, the RM5000 is there already!  rclxm9.gif
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Wow. Good move. Luckily you insist for AS1M.

This post has been edited by Ramjade: Jun 16 2016, 07:44 PM
Ramjade
post Jun 17 2016, 08:04 AM

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QUOTE(homi @ Jun 17 2016, 05:35 AM)
Hey guys. Finally i got myself about RM120,000 komision.

Want to dump it in ASB. My question is,

Can i open more than 1 account ?
Lets say ive open up 5 account.

- Monthly contribution is around RM1200x5 = RM6000. Which means 1 year is RM72,000.
- Assume the dividen + bonus is 7%, does that mean i will get RM14,000x5 = RM70,000 anually.

Will use the 1st year dividen bonus to pay for the following years. Until 25 years.
Can i collect RM1,000,000 when the time come ?

Meaning i will be paying only RM72,000 to get RM1,000,000. Is this correct ?
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Nope. For asb, can only open asb1 and asb2. Each have cap of rm200k = rm400k cap. If you leave the money inside and don't touch it, the cap will increase eveey year

Hahahaha... brows.gif laugh.gif To get a dividend of rm70k a month you will need a miliion inaide asb. tongue.gif Nope you will only get RM8400 p.a with that rm120k. That's also the next year not the current year as the money is not inside asb for 1 full complete year.

Hope it's clear.

This post has been edited by Ramjade: Jun 17 2016, 11:58 AM
Ramjade
post Jun 17 2016, 12:00 PM

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QUOTE(nexona88 @ Jun 17 2016, 11:46 AM)
eh bro asb & asb2 not 200k cap per account huh?  innocent.gif

where u got 240k cap figure ah??  :confused:
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Sorry wrong info. Edited. Paiseh. blush.gif don't know why I think it's rm240k
Ramjade
post Jun 17 2016, 12:55 PM

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QUOTE(homi @ Jun 17 2016, 12:53 PM)
i thought it supposed to be 7% from 200k ? the amount loan we take from ASB ?
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It depend on how much you have inside asb. Can be 7% of rm100k/200k
Ramjade
post Jun 17 2016, 06:10 PM

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QUOTE(tonytyk @ Jun 17 2016, 05:49 PM)
No assurance from govt for ASX ?
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No official black and white but when you look at it, amanah saham forms the backbone of...
Ramjade
post Jun 17 2016, 07:27 PM

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QUOTE(cklimm @ Jun 17 2016, 06:55 PM)
I went RHB Midvalley, and failed to update my ASG passbook where i opened my account here.
Where else can I update the passbook? Not even my home branch can do it
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If you updated before, you cannot update. Can only do once a year. Tried that myself to try knowing how much I have.
Ramjade
post Jun 20 2016, 02:21 PM

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QUOTE(Andrew_1980 @ Jun 20 2016, 02:17 PM)
Can open ASM ASW AS1M new account at the same time? Need to prepare minimum how much for opening this three account?
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Are you bumi or non bumi? If bumi have you max out asb1 and asb2?

If non bumi, rm100/book so total rm300. Subject to unit availability and helpfulness off staff.
Ramjade
post Jun 20 2016, 02:43 PM

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QUOTE(Andrew_1980 @ Jun 20 2016, 02:31 PM)
I'm Cina so I guess non bumi laugh.gif

Btw RHB and MBB only? How about PBB and HLB?

Also if I'm official 18 and unofficial 19 (1997 Aug), can just go register the account myself right? No need parents right?
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Maybank/CIMB/RHB/Post Office/ASNB office. There are new agents like Affin but might have issue. So just stick with the 5 places. See first place for best place to open. Of course no la. Just withdraw cash from HLB/PBB > Maybank/CIMB/RHB/Post Office/ASNB office

Can. No problem if above 18. If below 18 need parent.


Ramjade
post Jun 21 2016, 10:36 AM

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QUOTE(Andrew_1980 @ Jun 21 2016, 09:36 AM)
Just go RHB Sungai Besi branch for register new account, but unfortunately no available quota laugh.gif

Haven't try MBB and CIMB yet. Hope can successful register.
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Did they try or straight said no quota?
Ramjade
post Jun 21 2016, 11:20 AM

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QUOTE(Andrew_1980 @ Jun 21 2016, 11:01 AM)
I think straight say no quota. I ask a guy, he go ask another girl, the girl say no quota, Am I tipu by that girl? laugh.gif
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I think you kena tipu already. Cause to check whether got quota or not, they need to key in the system (type some stuff on the keyboard)
Ramjade
post Jun 21 2016, 11:42 AM

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QUOTE(Andrew_1980 @ Jun 21 2016, 11:37 AM)
I will go another bank try register. I also feel fooled, no form no anything and got informed no quota.
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If they don't give form. Tell them give me the form and then they must key into the computer.
Ramjade
post Jun 21 2016, 04:56 PM

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QUOTE(Andrew_1980 @ Jun 21 2016, 04:01 PM)
Today went to three places and all no available quota. laugh.gif

So ASNB HQ is my last luck.

Btw I went to RHB Sungai Besi , Sri Petaling Maybank , Kuchai Lama Maybank (as the #3 post said).

Sri Petaling one advice me to look around newspaper, online web for announcement of open account availability.

All bank staff same pattern, never key in computer, never give me form or anything for filling, directly told me no quota. I ask back you never check also how come you know no quota? Then they all answer me no need check one, no quota then sure no quota. :facepalm: So as a forumer told me, No need waste time.
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Actually you gave up too fast. All banks which I open gave me the official answer quota cina habis. Then I said, saya tahu kalau ada yg jual, saya boleh beli. Tolong cek utk saya. Then they check
Ramjade
post Jun 21 2016, 05:05 PM

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QUOTE(Andrew_1980 @ Jun 21 2016, 05:02 PM)
I got ask they why you never check and just simply tell customer no quota? Then the staff give me black face and said no need waste time to check, 'CONFIRM' no quota one. laugh.gif
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They gave me the answer too confirm no quota. I was persistent so they just tried luck for me. I told them to checked.
Ramjade
post Jun 22 2016, 09:13 AM

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QUOTE(twinkle5129 @ Jun 22 2016, 09:11 AM)
nod.gif  nod.gif 
Too much inside. Need to sell some ASM & AS1M later after ex dividend.

Meantime, I will help other family members to buy if they want to open accounts later.
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Which means you won't stop visiting anytime the bank anytime soon. sad.gif laugh.gif
Ramjade
post Jun 22 2016, 04:52 PM

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QUOTE(kart @ Jun 22 2016, 03:44 PM)
I have a silly question here, if you all do not mind.

For those who plan to bring 4 to 5 digits or more in cash to invest in ASNB, do you withdraw your cash over a bank counter?

If I am not mistaken, the maximum amount for ATM withdrawal is RM 5000 per day, so it is not practical to use ATM card for such withdrawal.

Thanks for the advices. smile.gif
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Don't worry it's not silly. I always withdraw via counter. If money really big, withdraw all, go back home. Bring in batches 3x to the bank (drive back and forth) and then dump into ASX FP
Ramjade
post Jun 23 2016, 10:34 AM

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QUOTE(wil-i-am @ Jun 23 2016, 10:25 AM)
OT
In fact, tis is d right time to nibble property either in primary or secondary market if u have MYR
Presently developers r giving a lot of rebates plus freebies to sell/clear 1 unit to avoid holding cost
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Price is still too high. Hopefully what happen in the US will happen here. Developer are forced to sell their house at a loss, rclxm9.gif might cauae megasales v2. However if it cause megasales v2, I won't be topping up. I will be hunting for properties.
Ramjade
post Jun 23 2016, 02:51 PM

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QUOTE(twinkle5129 @ Jun 23 2016, 02:38 PM)
FINAL day report:- I was only looking for 4 digits of ASW.

10:40- Baby units of ASW available.

Out for late b'fast at nearby Sanuki Udon.

11:15- Baby units of ASW.

Decided to stay on and read newspaper at the bank. Luckily bank staff was very kind and helped me to check every now and then until 1pm. In between, few more baby units available. Total 6 successful transactions from 10:40 to 1.05pm. Was about to leave after 5th transaction at 12.55pm but decided to try 1 last time and managed to get the last baby units to complete my ASW top up.

My ASX missions are accomplished. No more future plan for top up.  biggrin.gif

I've completed my personal target :-

AS1M=10/5/16- 1/6/16

ASM= 9/5/16- 1/6/16

ASW= 3/5/16- 23/6/16.

During this period, I'd only sacrificed my 'free' times for 4-6 visits/ day to few banks and spent very minimal on transportation. I've also contacted 3 banks customer services to complaint and compliment their staffs for the 1st time in my life.

notworthy.gif  notworthy.gif Thank you everyone for sharing useful infos here. All my passbooks are  biggrin.gif  biggrin.gif  biggrin.gif .
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But you are still hunting for niece and other family members right? So mission not over yet. tongue.gif

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