If I have 100k to put into savings, I have a choice of either savings in ASx which will give me a return of min 6.3% on average or 3.5% in FD, assuming that I am not a risk taker.  Wouldn't it be better to go all the way with ASx rather than split 50-50 with FD?

Which state operate on Saturday?

surely everyone is happy, good catches all day long..

I don't have any help but I'd visited banks multiple times / day. If bank staff not busy, he will retry again. Luckily I've 3 passbooks to test my luck at each visit.

Is the old smaller sized ASNB topup form still usable? The new form is bigger sized now, I think also has a space to write phone number which previously not available.

If all ASx can do loan like the ASB Loan, would you go for it?

Ya, I still saw the old ones - I think light blue font. Very small print one. Size like the size of rear mirror inside a car.

Didn't take it for extra use, because I scared it's outdated. New ones few copies left, so didn't take.

Do different agent system can print their passbook using different font? I just noticed i have one transaction, the font is like squarish type of font.

I see, interesting to know.
I see the teller always make a pen stroke mark on the last transaction line too. Any purposes? Hmm..

Sudah retired still want to save?

hey guys wanted to know if i buy today and i withdraw after 1 week is the dividend counted ?

mind asking why u want to do like that.

keep for 1mth then withdraw?   

Auntie twinkle- Reminder to myself.

Always check passbook after transaction! 2 mistakes already happened.
1. After successful transaction, book was not updated. I'd only noticed it at home when I was looking at the book's balance & receipt.

2. Wrong passbook was entered & 'wrong' type of unit was purchased & entered. Instead of A unit, the successful transaction was 'B' unit.
After 1st incident, I told myself to check but on that particular transaction, I'd forgot to bring my reading glass and only noticed the right transacted figure in the 'A' book for B unit.
At home, while figuring out my stuff, I noticed the balance was incorrect in A Book. Once the 'new' unit was added, the balance was lowered than my previous balance.

Both incidents happened in different banks. The mistakes can be rectified easily as it's ok if the transaction was A/ B units as both are what I needed. Just need to update the book again and the correct balance will be in B book.

Also, stop listening to those other bank staffs who are trying to divert your investment focus to their other products- eg. ASG, UT & Insurance linked products.

I have to place some in Fd too for 3-6 mths term in case I need to use it. For 1year, better in ASNB FP. I have some target for ASNB only.
Must diversified.

do not put all eggs in one basket 

Yes, i'm trying to place the extra cash inside ASX FP and leave some for miscellaneous stuff transactions.

Hold ur horses I think schoolholiday starts will have more units?

Went to ASNB office for the Pengisytiharan Amanah thing.

Beside the registration fee of RM100 and the annual fee of RM10, surprised/shocked to learn that there is a will execution/withdrawal fee. See below. Maybe someone here has already mentioned that but my eyes and brain were not in sync then. Ha.

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As an example, for RM0.5 million, fee of RM3875. What do we gain from this registration and paying the RM3875 fee? Is it worth it?

Beside getting the money distributed as per the instruction (with new ASX accounts if nominees do not have ASX) and settled within 21 days, I do not really see the need to have this done now. The lady there said with "dispatch letter" from the resident office (hope I remember correctly the document name here), the money will be transferred to the spouse within 6 weeks. 

So, what are the other real drivers/benefits for having this will thing? Maybe I have overlooked something very important here. Please share/help.

Thanks.

Does anyone know how to make a deposit of more than 50k into ASB from a Maybank account, i was told that maybank counters are limited to 50k per day transition limit...

Whats the best way to deposit more than 50k into an ASB account at one time?
(for example: can you get a cheque from maybank in your name for more than 50k and walk into Amanah Saham Branch and deposit into your ASB account?)

Don't forget, auntie twinkle has the leisure to check few times/ day b'cos I'm retired with ready $$ from years of working. Majority here in lyn are young working generation and many have already discovered this ASX products and deposited majority of their saving here every month.
Poor auntie twinkle needs to make retirement last longer by getting better return and glad discovered this ASx via this forum.
Once my Fd mature next week and switched to ASX funds in June, I'm sure my multiple journeys will cease as there is no need to go if no $ is coming. The next FD batches are maturing in July and those are not for ASX products.
My daily limit is small and not big 5 digits. Out of 4-6x visits, many transactions only at 3 digits & 0.
For majority here, work hard, save more and don't forget to enjoy spending your hard earned $ too.

Unfortunately, I don't have much in EPF as I stopped working in Malaysia since 1990. By the way, auntie twinkle opted to retire young. Few more years to touch the tiny bit of EPF & CPF in Singapore.

100% agreed Sifu on the estate planning. When compared with EPF, the additional high costs are clouding my mind with "no, no, no ..." Ha.

When I go, my wife can still get the money with the resident office's letter. 6 weeks later vs 3 weeks does not matter for us.

The other factor to consider (automatic transfer to their ASNB's ac) will be the deciding factor for me.