That's what I did on 1/6/16 instead of wasting another month 'hunting' for ASW. Luckily everything gone in easily with my usual multiple visits + extra camping on that day.


Lucky timing. Not many people at the banks yesterday. Even my bank staff in charge of ASNB was off yesterday. I was there to place FDs.

Auntie twinkle stopped last month. My ratios ASM> ASW> AS1M now. Will adjust to ASM=ASW > AS1M later.
I lowered my ASW contribution earlier as $$ was stuck in FDs until this month and total value of combined accounts are beyond my intended target.

Go multiple visits / camping during lunch time.


It's not impossible as long as you've luck and time on your side.

Top up whichever account 1st. Wait for ASW2020 ex dividend date to top up. Less than 2mths to wait.

Any non working family member to help you?

Avoid Mon & Fri as it's the busiest day. I'd already expected today to be busy due to post holiday.
Don't go too early to ASNB as majority ASNB sellers will go to banks. Majority Banks opening hrs 0915.

It's difficult to 'read' the sellers mind as we're one of them.

I was at ASNB on Monday & Friday 10am+ before and it was super crowded.

I thought it'll be easier for you than the rest of us.

This post has been edited by twinkle5129: Jul 11 2016, 05:55 PM

Wow! Difficult to get AS1M? I should hold on to the extra few units in my acct now.

My local Affin bank required signed 'wakil' form with IC copy.

No, They kept the form as a bank record. I can just walk in any time with my family passbook and he'll deduct from my account or pay cash for any successful transaction.


Take 1/2 day off and go to ASNB.

This post has been edited by twinkle5129: Jul 12 2016, 05:58 AM

Hello everyone- SHARING time:-

Finally brought my nephew to open ASNB accounts today. He was supposed to take 1/2 day off only but at the end he had to take full day' unpaid leave' as he has already utilised all his AL for his studies. I also really wanted him to have the 3 accounts since we have been there for few hrs.
Anyway, luckily he was willing to sacrifice 1 day after listening to my advice and luckily his boss is a flexible lady.

'Super regret' as ASNB are packed from the whole time we were there. It must be due to post HARI RAYA stuff. I was told it was equally busy yesterday. Managed to strike up conversation with anyone who was sitting next to me and many are still on extended Hari Raya holidays.

Once we reached ASNB, long Q numbers but I decided to collect few numbers in between waiting. I only asked for 100u to open account.

We Q 8x from 11am- 2.30pm. Luckily he got
AS1M- 11.00+
ASM- 12.00+
ASW- 2.20pm.

In between, there were few customers who'd managed to get ASM & ASW units but unfortunately insufficient units during our timing. 1 auntie managed to get $6k ASW at 12:00+. Another man came with >5 passbooks (family) managed to get some units for few of his ASM, AS1M, ASW passbooks.

On our way back, we stopped by Affin bank to do the 'wakil' stuff and managed to get 4 digits AS1M for him. Will only be looking for few digits in coming days for him.

This post has been edited by twinkle5129: Jul 12 2016, 04:29 PM

Just about timing as others managed to get ASW during their time there.

Now that he got the passbook, the rest of the top up could be done back in my township.

This post has been edited by twinkle5129: Jul 12 2016, 05:14 PM

I was prepared to leave if still cannot get ASW after 2pm but lady luck was on our side at the end. My nephew was satisfied with AS1M & ASM already but I told him not to give up yet since we 'wasted >3hrs and I still have another Q number left (after next 12 customers again).

This post has been edited by twinkle5129: Jul 12 2016, 05:28 PM

Luck & timing again.

At least now I can help him to top up whatever is available 1st. Later can do small top up with his monthly salary. Easier if I do it for everyone since I have the time to visit bank few times/day if needed.

I think it depend on your comfort level.

By the way, when I was at ASNB, it happened the counter staff's computer (the only one affected) has some issues and it took her longer to check availability and to process opening of account.
It was unfortunate/ fortunate as my number was called to her counter 5-6x today. Luckily she was nice and still willing to check for me. For each successful opening, she has to 'wait' for the computer to 'process' and referred me to another counter if it took longer than usual.
Finally at 2.20pm, when sufficient units were available, she managed to open ASW for me but unable to process the form and passbook this time.
She had to enter it manually on the form and processed the new passbook on other counter for me.
I'm very grateful & thankful that she tried her best for us.

ASNB staff also said there were some issues last Friday and it did affect other bank system too at times.

* I also double checked if my HIBAH is ready and staff said, once they have processed it at branch level, it'll be sent to HQ and HQ will be the one sending it out to applicants. It'll take at least 2 mths. For undelivered mails, it'll be return to branch level and they'll contact the applicants directly.

This post has been edited by twinkle5129: Jul 12 2016, 08:45 PM

I'm having tough time deciding what to do with my current FDs $$ but already have too much in ASX too.

not interested with anything to do with cimb.

Sorry, still not interested. the only 'outside' investment I'm willing to let 'others' handling my precious retirement saving are ASNB FP. The rest, I'd rather invest in company that I can have full respect. CIMB= 100% ,

This post has been edited by twinkle5129: Jul 13 2016, 07:53 AM

Still studying? Wow....


Be at peace and just top up your ASX FP until you reach your personal target.
After years of investing here and there, scammed by many few times, now I'll just stay put with ASX FP and managed my own personal investments instead of paying agents/ banks service fees.

This post has been edited by twinkle5129: Jul 13 2016, 08:03 AM

Day report:- For my nephew

11:30
- ASM, ASW, AS1M- No units

(Off to marketing & home)

12:15
- AS1M- 3 digits. (Top up completed today)
- ASW- 1k
- ASM- 0

Stayed at the bank for 30mins and retry at
1:00pm
- ASW- baby units
- ASM- 5 digits.

Finally completed moving his limited $$ + some 'ang pow' $ from me to ASX by today. Actually a bit of extras gone in but he'll repay me on his salary day.