Going to banks / ASNB are same for me as everything is still about timing and luck. I've carried max 50k to ASNB before and not much luck in 2hrs waiting. At the end, came back with 30k+. As usual I carried my big umbrella with me as protection.

I called up ASNB, Shah Alam and the staff said to wait till end of July as there were massive applications to process. If one yet to receive after 2months, to give them a ring to check.

I saw many last minute applicants at ASNB on 30 & 31/5.

ASNB.

I presumed each and everyone of them have a personal will drawn up already.

If you outlive any of them, you'll still have to go through the whole process to claim the ASX & properties under their names. One never knows when our time is due.
I've a personal will written up already but after looking at the pengisytiharan, the advantages > disadvantages.


+ it was school holidays too.

This post has been edited by twinkle5129: Jun 25 2016, 09:34 AM

During promo, it was only $100. Promo ended 31/5/16.

I'd managed to divert my May FD straight into ASX.

If you have cash & time right now, work extra hard to capture it as soon as possible. If I can do it, you can do it too.

I'll be cheering for your efforts & enthusiasm.

This post has been edited by twinkle5129: Jun 25 2016, 11:37 AM

Luckily I didn't include ASX inside my current General will.

If you don't have 'connection', the only way is multiple visits per day to few banks + ASNB. (That was me )
Also check how helpful is the bank staff. The local banks (CIMB & MBB) at my area have standing order that they can check 1x/ request.
That's mean if you ask them to try $10k. They'll check 10k only. If none, they'll not try smaller units.
If you're busy at work, try and ask your non working family member to help you (my neighbour auntie helped her working daughter & grand kid). Bank staff is more helpful seeing elderly granny/ grandpa sitting patiently. Somehow she also got senior citizen privilege ahead of younger me.


200k target/ account? - not impossible. It's still about luck & timing.
AS1M- 20 transactions in 7 working days.

ASM- 22 transactions in 8 working days.

ASW- 39 transactions in 18 workings days



I have extra bullets waiting and searching for 'parking' place now. Unfortunately too much in ASX already. Can consider topping up AS1M as it has the lowest units but it's already beyond my personal target. Managed to place max limit in EPF and still looking for more stable non risky places.

This post has been edited by twinkle5129: Jun 29 2016, 06:24 PM

Up to individual comfort level.

If you have ready cash now, better just top up ASX until it reaches your personal target 1st. Do you have 3 accounts- ASM, AS1M & ASW? Is there any Affin bank nearby your place? You might have a better chance at Affin as it's quieter and less ASX transactions there. They're still on 'restricted' license- no ASB transaction yet until Sept. From my experience, Affin staff is more helpful than the other banks.


There is no good timing as it's up to 'sellers' time to get out of house/ office.

My favorite time 3:30- 4pm. Cleaning up all remaining units.

This post has been edited by twinkle5129: Jun 30 2016, 12:30 PM

How about Affin bank? I've never taken any Q number as it's a quieter branch & staff is always welcoming since I'm 'regular'.

This post has been edited by twinkle5129: Jun 30 2016, 12:37 PM

Previously, your recommendation to try Affin Bank was the best advice I've followed.

My neighbor's auntie always visit bank at 3.30 pm on her way home if she needs to top up.

This post has been edited by twinkle5129: Jun 30 2016, 12:55 PM

I'd called ASNB and he told me to wait for at least 2 mths as there were many applicants in May. (I had mine done on 27th May). If yet to receive by end July, to call them back to check.

This post has been edited by twinkle5129: Jul 1 2016, 09:58 AM

Keep trying next week.

Auntie twinkle ear's itchy .

How about your personal goal too?

It's easy to reach your target goal if I presumed you're young and single with no debts/ loans commitments yet and still stay in in your family home.

This post has been edited by twinkle5129: Jul 8 2016, 05:37 PM

Target achieved before 1/6/16. But ASM & AS1M are beyond ++ as it was 'too easy' to get them during my visits to banks.

Now still figuring out what to do with the extra $$ if I reduce AS1M (1/10/16) after ex dividends later as I'm 'struggling' to find 'parking' place for my current matured (today) & maturing July FDs.

This post has been edited by twinkle5129: Jul 8 2016, 05:47 PM