YOu might want to consider EPF too. EPF returns are more or less same with ASX FP. Besides you are retired already which means you can withdraw your EPF anytime you like. 

They mentioned in the letter regarding rm50k limit about transfer of units. Was thinking can ASNB transfer the units without it being snatch up?

If yes,  I don't think there's need for Pengisytiharan.

In the last 10 years(2006-2015), EPF ave 5.855 n ASM ave 6.708.

For this period, RM100000 invested in epf ->176620, asm->190770.
If a investor is gone, wont be able to transfer units.

Which means we can initiate a transfer to another person anytime?

What's the latest asnb address in Shah Alam? I know they shifted

For some cashier which help you try unit first then only take your cash later, if after that you realized you didn't bring enough money, then how? They will key in a withdrawal transaction or do cancellation?

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.

Update on my 'missing' dividends 1999- 2004 for ASW.

ASNB replied and stated the cheques were cleared. The letter is very detail on date of cheque issued and date of clearance at the bank.
So, it's must be auntie twinkle 'memory loss'. 
Anyway, it's good to clear this issues.    to ASNB for answering my 'embarrasing' enquiry.

hey all...just a quick reminder to myself...and to get all of ur opinions too..

u see...these fp amanah thingy..are all fund...just like the unit trust...it is now profitable coz the non-taxable returns and fixed price unit..but..we must remember also they are still fund...and is it some sort of government bond??!! coz we lend money to gov...to invest..

and..for the future, we cannot guarantee the policy of gomen at that time...whether it is going to be vp or things like that...after all...it is just one channel of investment..

feel free to commend and discuss ya~~
investment newbie here~~

hey all...just a quick reminder to myself...and to get all of ur opinions too..

u see...these fp amanah thingy..are all fund...just like the unit trust...it is now profitable coz the non-taxable returns and fixed price unit..but..we must remember also they are still fund...and is it some sort of government bond??!! coz we lend money to gov...to invest..

and..for the future, we cannot guarantee the policy of gomen at that time...whether it is going to be vp or things like that...after all...it is just one channel of investment..

feel free to commend and discuss ya~~
investment newbie here~~

Ya if people believe Jib Jib and BN still can rule a long time, then no problem la. Of course ASX FP status is not permanent, but until it become VP, then people withdraw it out at most. Nothing to lose. Not like they gonna suddenly become VP without public announcement right. If principle strong people like don't pinjam gomen later they more fund to do funny things, then don't invest in this. Just like BR1M, if think is free money just take. Some they eligible but don't want take because they principle strong- want to show that BR1M doesn't attract them at all.

Which means we can initiate a transfer to another person anytime?

What's the latest asnb address in Shah Alam? I know they shifted

My idol auntie....so how do u /they rectify the big suprise ah??

I'm impress they have keep all records tip top eventho years ago   

even if we loss the record, we can visit ASNB to get all records from day 1 which is good for us   

Same building. Was at the new unit this am. Very impressive, big & spacious. Closer for those who park their cars at the housing area.
They will not be able to correct the passbook but once you have a next purchase, the system will update it with the latest balance. The 'missed' transaction will not appeared in the book but your balance in new transaction will include the 'missed' transaction. It was partly my fault for not checking it before leaving bank.
,  :thumbsup:  as everything is very clear including the date cheque sent and cleared at the bank.

Mid day report:-

I went to ASNB, Shah Alam with my niece in the am as I wanted to try open ASM & ASW2020 for her. Luckily place is quite empty. Beautiful & spacious new branch.

For my niece-

1st try- Only minimal unit  <100 in the system. Those who need to open account, must be patience and wait till at least 100 unit available in the system.
2nd try- Managed to open ASM & bought her some extra units.
          - ASW still insufficient unit.
3rd try- Finally able to open ASW2020 with only 100u. I'm happy as long as I can get 'THE PASSBOOK' first.

For myself-
1st try- ZERO unit.
2nd try- A bit of ASM & ASW.
3rd try- A bit of ASM & ASW.

Back to my little township-
A bit more of ASM & ASW.

All together a bit here and there, baby size but better than nothing.

Update on my 'missing' dividends 1999- 2004 for ASW.

ASNB replied and stated the cheques were cleared. The letter is very detail on date of cheque issued and date of clearance at the bank.
So, it's must be auntie twinkle 'memory loss'. 
Anyway, it's good to clear this issues.    to ASNB for answering my 'embarrasing' enquiry.

as long u can get some units is already good enough.

anyhow I happy for your niece. so kind of u to help out 

Hope u dun suffer memory loss when u withdraw later 

Is it ethical to buy food for asnb officers?

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.

as long u can get some units is already good enough.

anyhow I happy for your niece. so kind of u to help out