MAKLUMAT KORPORAT

Amanah Saham Nasional Berhad (ASNB) ialah anak syarikat milik penuh Permodalan Nasional Berhad (PNB) yang ditubuhkan pada 22 Mei 1979 untuk mengurus dana-dana unit amanah yang dilancarkan oleh PNB. ASNB juga bertanggungjawab untuk mendidik para pelabur mengenai faedah melabur dalam unit amanah melalui penganjuran seminar perancangan kewangan atau lebih dikenali sebagai Seminar 360, pada setiap hari di seluruh negara. Sejak pelancaran unit sulungnya Sekim Amanah Saham Nasional (ASN) pada 20 April 1981, PNB telah melancarkan sepuluh dana unit amanah yang lain iaitu Skim Amanah Saham Bumiputera (ASB), Amanah Saham Wawasan 2020 (ASW 2020), Amanah Saham Nasional 2 (ASN 2), Amanah Saham Malaysia (ASM), Amanah Saham Didik (ASD), Amanah Saham Nasional 3 Imbang (ASN 3), Amanah Saham Gemilang (ASG-Pendidikan, ASG-Kesihatan & ASG-Persaraan), Amanah Saham 1Malaysia (AS 1M) dan yang terbaru Amanah Saham Bumiputera 2 (ASB 2). Daripada 12 dana unit amanah ini, enam daripadanya ialah dana ekuiti berharga tetap, manakala selebihnya ialah dana ekuiti harga berubah-ubah yang merupakan dana-dana pendapatan, pertumbuhan dan seimbang.
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PRODUCTS

VARIABLE PRICE FUNDS

SEKIM AMANAH SAHAM NASIONAL



Objektif
Bagi menjana pulangan yang berpatutan dalam bentuk pengagihan pendapatan dan pertumbuhan modal kepada pemegang-pemegang unit melalui pelaburan dalam kepelbagaian portfolio.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan dan mencari peningkatan modal bagi jangka masa sederhana ke panjang.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: December 31
Historical Amanah Saham Nasional (ASN) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2008 - 5.50
2009 - 5.20
2010 - 6.00
2011 - 6.05
2012 - 6.30
2013 - 6.45
2014 - 6.45

Fund Performence past 4 years

Tahun Berakhir 31 Disember 2011 2012 2013 2014

Kadar Pengagihan Pendapatan Seunit (sen) 6.05 6.30 6.45 6.45

Jumlah Pulangan (%) 5.33 11.45 11.36 -5.11

NAB Seunit Tertinggi (RM) 0.8841 0.9046 0.9391 0.8977

NAB Seunit Terendah (RM) 0.7703 0.8127 0.8225 0.7981

AMANAH SAHAM NASIONAL 2



Objektif
Memberi peluang kepada pemegang-pemegang unit untuk mendapat pulangan dalam bentuk pengagihan pendapatan dan pulangan modal pada tahap risiko yang berpatutan melalui pelaburan dalam kepelbagaian portfolio sekuriti, terutamanya dalam ekuiti sekuriti Malaysia selaras dengan Suratikatan, Garis Panduan dan undang-undang sekuriti.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan dan mencari peningkatan modal bagi jangka masa sederhana ke panjang.

Kelayakan
Bumiputera 18 tahun ke atas.

Financial Year End: June 30
Historical Amanah Saham Nasional 2(ASN2) Dividend Rate for past 5 years
Net Distribution per unit (sen)
2009 - 5.20
2010 - 5.20
2011 - 5.50
2012 - 6.50
2013 - 7.10
2014 - 6.90
2015 - 3.45

Fund Performence past 4 years

Tahun Berakhir 30 Jun 2012 2013 2014 2015

Kadar Pengagihan Pendapatan Seunit (sen) 6.50 7.10 6.90 3.45

Jumlah Pulangan (%) 6.56 14.13 9.47 -2.57

NAB Seunit Tertinggi (RM) 1.2588 1.3783 1.4135 1.13586

NAB Seunit Terendah (RM) 1.0504 1.1948 1.2447 0.6174

AMANAH SAHAM NASIONAL 3 IMBANG



Objektif
Untuk menjana pertumbuhan modal dalam jangka masa sederhana hingga jangka masa panjang menerusi pelaburan dalam portfolio yang seimbang dan melalui pelaburan semula pengagihan pendapatan, sekiranya ada.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta mengharapkan pertumbuhan modal bagi tempoh jangka masa sederhana ke panjang.

Kelayakan
Warganegara 18 tahun ke atas.

Financial Year End: November 30
Historical Amanah Saham Nasional 3 (ASN3) Dividend Rate for past 5 years
Net Distribution per unit (sen)
2009 - 7.00
2010 - 5.50
2011 - 6.00
2012 - 6.30
2013 - 6.40
2014 - 6.20

Fund Performence past 4 years
Tahun Berakhir 30 November 2011 2012 2013 2014

Kadar Pengagihan Pendapatan Seunit (sen) 6.00 6.30 6.40 6.20

Jumlah Pulangan (%) 3.17 11.64 10.86 2.21

NAB Seunit Tertinggi (RM) 1.1510 1.2010 1.2331 1.2126

NAB Seunit Terendah (RM) 1.0522 1.0495 1.1124 1.1582

AMANAH SAHAM GEMILANG



Financial Year End: March 31
Historical Amanah Gemilang Pendidkan (ASG-P) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2009 - 5.50
2010 - 5.50
2011 - 5.60
2012 - 7.00
2013 - 7.10
2014 - 7.10
2015 - 7.10

Financial Year End: March 31
Historical Amanah Saham Gemilang Kesihatan (ASG-K) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2009 - 6.00
2010 - 6.00
2011 - 6.10
2012 - 7.10
2013 - 7.20
2014 - 7.20
2015 - 7.20

Financial Year End: March 31
Historical Amanah Saham Gemilang Persaraan (ASG-P) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2009 - 5.00
2010 - 5.00
2011 - 5.10
2012 - 7.05
2013 - 7.30
2014 - 7.05
2015 - 7.05

This post has been edited by [Ancient]-XinG-: May 12 2016, 10:20 PM

[FIXED PRICE FUNDS]

SKIM AMANAH SAHAM BUMIPUTERA



Objektif
Untuk menjana pulangan jangka panjang yang kompetitif dan konsisten kepada pemegang-pemegang unit di samping memastikan pengekalan modal pada tahap toleransi risiko yang minimum.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta menjangkakan manfaat dari pertumbuhan jangka panjang tabung hasil pelaburan semula pengagihan pendapatan (sekiranya ada) dan penerimaan pendapatan (sekiranya ada) ke atas pelaburan mereka.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: December 31
Historical Amanah Saham Bumiputera (ASB) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2008 - 7.00 + 1.75
2009 - 7.30 + 1.25
2010 - 7.50 + 1.25
2011 - 7.65 + 1.15
2012 - 7.75 + 1.15
2013 - 7.70 + 1.00
2014 - 7.50 + 1.00
(Dividend) + (Bonus)


AMANAH SAHAM WAWASAN 2020



Objektif
Untuk memberi kadar pulangan yang berpatutan kepada pemegang-pemegang unit menerusi pelaburan dalam portfolio terpilih yang terdiri daripada pelaburan yang dibenarkan.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta mengharapkan manfaat dari pertumbuhan jangka panjang tabung hasil pelaburan semula pengagihan pendapatan (sekiranya ada) dan penerimaan pendapatan (sekiranya ada) ke atas pelaburan mereka.

Kelayakan
Warganegara.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: August 31
Historical Amanah Saham Wawasan 2020 (ASW2020) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2009 - 7.00
2010 - 6.30
2011 - 6.50
2012 - 6.60
2013 - 6.70
2014 - 6.60
2015 - 6.40

AMANAH SAHAM MALAYSIA



Objektif
Untuk memberi peluang kepada pemegang-pemegang unit membuat pelaburan jangka panjang yang menjana pulangan yang kompetitif dan berterusan menerusi pelaburan dalam portfolio yang dipelbagaikan.


Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta mengharapkan manfaat dari pertumbuhan jangka panjang tabung hasil pelaburan semula pengagihan pendapatan (sekiranya ada) dan penerimaan pendapatan (sekiranya ada) ke atas pelaburan mereka.

Kelayakan
Warganegara.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: March 31
Historical Amanah Saham Malaysia (ASM) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2009 - 6.25
2010 - 6.30
2011 - 6.38
2012 - 6.80
2013 - 6.50
2014 - 6.60
2015 - 6.60

AMANAH SAHAM DIDIK



Objektif
Untuk memberi peluang pelaburan yang dapat menjana pulangan dan pertumbuhan pelaburan jangka panjang yang berpatutan kepada pemegang-pemegang unit

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan dan mengharapkan pertumbuhan modal bagi jangka masa panjang dari pelaburan semula pengagihan pendapatan (sekiranya ada), sebagai persediaan keperluan kewangan bagi tujuan perbelanjaan pendidikan pelabur dan ahli keluarga pada masa hadapan.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: June 30
Historical Amanah Saham Didik (ASD) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2009 - 6.30
2010 - 6.35
2011 - 6.50
2012 - 6.60
2013 - 6.80
2014 - 6.60
2015 - 6.60

AMANAH SAHAM 1MALAYSIA



Objektif
Objektif pelaburan AS 1Malaysia adalah untuk mendapatkan peluang pelaburan yang menjana pendapatan yang konsisten dan berterusan di samping mengekalkan modal pelaburan para pemegang unit di dalam tempoh jangka panjang melalui portfolio pelaburan yang dipelbagaikan.

Pelabur Sasaran
- Pelabur jangka masa sederhana dan jangka masa panjang.
- Pelabur yang memahami pulangan dan risiko.
- Pelabur yang ingin mendapatkan pulangan dari pengagihan pendapatan, sekiranya ada.

Kelayakan
Warganegara.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: September 30
Historical Amanah Saham 1Malaysia (AS1M) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2010 - 6.38
2011 - 6.50
2012 - 6.60
2013 - 6.80
2014 - 6.60
2015 - 6.40

AMANAH SAHAM BUMIPUTERA 2



Objektif
Menjana pulangan jangka panjang yang konsisten di samping memastikan pengekalan modal pemegang unit dengan menyertai pelaburan di dalam portfolio aset campuran.

Pelabur Sasaran
Dana ini sesuai untuk pelabur yang mempunyai profil yang berikut:

- Memahami risiko dan pulangan pelaburan.
- Mencari instrumen pelaburan jangka panjang yang berpotensi untuk menjana pulangan
tahunan yang lebih baik daripada kadar
pulangan purata Sekuriti Kerajaan Malaysia
(Malaysia Government Securities, MGS)
5-Tahun.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: March 31
Historical Amanah Saham Bumiputera 2 (ASB2) Dividend Rate for past 1 years
Net Distribution per unit (sen)
2015 - 7.50 + 0.25
(Dividend) + (Bonus)

Frequently Ask Question [READ ME]

Updated 2016 FEB

1 - I am a non-bumiputera. And I am totally new to this. Which fund should I go?

You miss the so called golden chance which is happening on 2015 JUNE - OCTOBER, regarding our top picked FIXED PRICED FUNDS. Those were the time where people top up and the success rate is almost 100% (any amount), as well as opening up a new account. However, for now, the chances is still there, but try little bit more harder and the units will be lesser and lesser in coming weeks or months. Well, its also depend on various factor such as world markets, commodities prices and some "national issues". For those who having any account on Fixed Price Funds, you can keep trying to top up with no guarantee you able to get additional units. Next, for those who having higher risk appetite, Variable Price Funds, ASG, and ASN3. Currently only have this two option for you. Now in laymen term, the prices are low, if you have a brave heart, can try it. ASG Pesaraan. Once ROI around 15% but when the chance or interpreted the market wrongly end up ROI will be around 3.5% or negative value VP funds can be fun if the timing is correct. But there will be some platform give better experiences such as FSM, but I myself haven't try it. But people say its good.

2 - I am a bumiputera. And I am totally new to this. Which fund should I go?

Follow this order, you will never go wrong. ASB - ASB 2 - ASW2020 - ASM - ASD - AS1M.

3 - Any online transection allow?

Yes, one of them is m2u and CIMB Clicks. But currently CIMB having some problems as you cant merge account due to system upgrades by ASNB. M2U for non bumiputera is AS1M, but each and every transection need processing fees of MYR 1.06.

4 - EPF?

Yes. But details need an expert to explain it.

5 - Where can I buy the unit?

Agents. Pos MY, MBB, RHB, CIMB. And ASNB office as well. Newly added will be Affin Banks, BSN, Alliance Banks. But the service provided will be varies.

6 - Best time to buy?

No specific time but, most people do say that. Before any big festive sessions, school reopen and any occasion that need money. However, you don't know when people do need those money.

7. Places to try opening new Fixed Price Fund for the Non-Bumipuitera.

Maybank
KLIA2, Bdr Bkt Tinggi 1, Klang Town, D'sara Uptown, KL Sentral, Cyberjaya, Cheng & Graha Peladang (Melaka),
Rampai Biz Park, Karak, KLCC, Desa Jaya (Kepong), Taman Pelangi (JB), Kompleks Bandar (OUG), Mid Valley Mall, Kuchai Lama

ASNB
KL HQ, Melaka, Bayan Lepas, Kuching, Seberang Jaya

PosMalaysia
HQ KL, Shah Alam, Triang, Klang Utara (near Mydin)

CIMB
Bangi, Jalan Parry Miri, Taman Putra Ampang, D'sara Uptown

RHB
Padungan, KLCC, Simpang 3 Kuching, Jalan Stesen Klang, Bandar Utama

Affin Bank
Cyberjaya

Places above are based on user experiences. And they managed to open the precious account on the mentioned location.

8. How much can I top up per day?(CASH)

50000 MYR per day for all types of products. Meaning, the limit will impose on an account number. (I guess this is the reason they upgrading their system.)

__________________________________________________________________________________________________________________________________

Flash Facts

- If there is no units available, you will never ever able to purchase new units or opening up a new account.

- To open up an account, you need 100 MYR.

- To top up, minimum value shall at 1.00 MYR.

- When opening up an account, can choose any of the three FP, they actually act the same just subject to availability.

- To top up any amount also acceptable, but just above 1.00 MYR.

- Regarding the date to top up, its up to you. I don't wish to explain this further.

- Funds can be top up via CIMB and MBB, online. However, for non bumi, the only available for online purchase will be AS1M. There will no specific limit, but still subject to availability.

- For non bumi, try opening up FP first.

__________________________________________________________________________________________________________________________________


Please do take note, this is heavily dependent on the KLCI performance. And the total return do affects its performance too. Do not confused by the "dividend" paid.

Calculation upon Variable Price Fund using ASG as an example.

NAV of the day you invest - 1.1800
Amount of MYR invested - 10000
Units in hand - 8474.58
___________________________________
Dividend pay on the financial year end - 7.0%
Dividend - 593.22 MYR
NAV of the day - 1.1300
Units paid - 524.97
Total units in hand - 8999.55
___________________________________
If lets say you want to cash out that day
you will get 10169.49 MYR
___________________________________
If you stay for 5 years
Y1 - 8999.55
Dividend - 6.8%
NAV - 1.1500
9531.69 MYR


Y2 - 9531.69
Dividend - 6.8%
NAV - 1.1580
10091.41 MYR


Y3 - 10091.41
Dividend 6.8%
NAV - 1.1600
10682.98 MYR

Y4 - 10682.99
Dividend 6.8%
NAV - 1.1700
11303.88 MYR

Y5 - 11303.88
NAV 1.18
Total cash in hand - 13338.58.
____________________________________

Comparing with FD ( Compounding ) Flat rate 4.0% p.a.
Y1 - 10000
Y2 - 10400
Y3 - 10816
Y4 - 11248.64
Y5 - 11698.58
In MYR.
____________________________________


Of course you CAN'T invest fully in 1 method only. FD is the best among all when it come to risk. Thus, don't put all eggs in 1 basket. Diversify it.
And see things do happen like now. Crude oil, flood, all affecting nation as well as MY will affecting the BURSA and thus ASG.
Hope I help in this post. Feel free to ask me. My answer may be incorrect but I can tell you some info that banker reluctant to tell you. And, FP > VP, anytime.
____________________________________

Just to share some info I got ASNB official page.

____________________________________
ASG Pendidkan
Novagni Cat - MIXED ASSET MY
Fund rating - 2 stars
Peer ranking - 30/42
Unit in circulation - 311.15 Mil Units.

ASG - Kesihatan
Novagni Cat - EQUITY MY
Fund rating - 3 stars
Peer rating - 53/75
Unit in circulation - 409.32 Mil Units.

ASG - Persaraan
Novagni Cat - MIXXED ASSET MY
Fund rating - 3 stars
Peer rating - 21/42
Unit in circulation - 136.64 Mil Units.

** Collectively the three unit trust under the umbrella of ASG have cumulative maximum size of 1.0 billion unit.

*** Potential investor are those who understand investment risk and rewards and are seeking growth of capital over long term period and plan to fulfil the financial requirement for their education/medical expenses/retirement.

done.

Check in new thread ~

good job [Ancient]-XinG-

update:
all my 3 accounts: as1m, asw and asm have been approved and added into cimbclicks. All using the new account number.

ASB dividend for 2015 is missing

The rest all good. Thumb up.

good news so after this, can top-up online leh

ASM 2016 Dividend was miss out

Will add later on thanks

New thread, new resolution, and most importantly new units.

Boss you got any other investment other than asnb or not?
If no i suggest you can join fsm also. But that one need time abit lo

A few others a bit here and there lo..real estate..FD as safety net, then FSM. ASNB id a branch of my FSM coz last time i tot ASNB . Intended to take out all from FSM dump into Asnb but FSM this first half of the year terrible have to wait till paper gain only cash out. If there r units I'll try to cash out from fsm to asnb.

I am in the same dilemma whereby my variable unit trust that i have invested was not performing..

Still making a loss, it becomes an opportunity cost to me in terms of the total dividend that i can received from ASX and the total capital that i have loss in the investment although the amount is not much.

M inspired with 'new units'

sifu sifu

How about New image of ASx Passbooks in this new thread?

You guys withdraw from ASX FP when market is good?

Is it confirmed that now, you cannot update other people's passbook without having surat wakil? Like last I think normally, one person in the family can just take the whole bunch of books from every member and go update in one go, now still can do that?

Are you using the same account number for all? Last time I tried , cant add my ASM to the online portal cause same acc number with ASW.

depends on staff & branch.

some insist on the surat wakil. some not.

went to ASNB branch to update whole family passbook. No question asked

Okay. But for changing to new passbook like the AS1M I think everyone need to do that themself right? Because need your signature and thumbprint on the new passbook page.

yeah. changing passbook the unitholders needed to be there personally. no any wakil wakil

Owh ok.

Yea. I suppose you enter fsm when the market is good rite?

ASW , ASM & AS1M - all using same 12 digit account - already registered with CIMBCLICK -
but only can online top up for AS1M - (

hoping bank " Online "system will open again for ASW & ASM top up ASAP

Good day for hunting. Affin bank Kota kemuning staff very helpful. Managed to top up asm and asw.

I topped up big amount when it was relatively good

I hope they will remove or reduce the service charge. I wonder who makes the RM1.00 money, is it split 50-50 between bank and ASNB or 100% earned by bank?

Or at very least, only charge when successfully get units. Like this is more fair. Otherwise just charged for trying kind of unfair.

Like EPF deposit online, also no bank charge I believe.

This post has been edited by filage: May 13 2016, 02:44 PM

Mind to know how big? Maximum limit few days?

Plan to get my Pengisytiharaan Amanah done before month end.

Went through the form, got some questions. Hope that those who have done it already can help me.

AA
For the beneficiaries, only need to state the names in the form? No need for Mykad copies, birth certificates etc?

BB
For kids below 18 yrs old, says need a guardian. Just state the name of the guardian? Or need some additional paper work?

CC
Any other useful infor I should know before going to avoid going there multiple times.

Thanks.

Nope... I happen to invest some part of my monthly salary to this variable unit trust from manulife...

But the amount of not so much..

Today very hard to top up...sigh

I thought ASX FP might be a parking place for you guys while waiting the storm to pass.

Within 5 days emotionally topped up around 6 figure..few days later big dropped in january.pure bad luck

Another good day for me.

Each account- 3 transactions today at separate time. Visited 3 banks before and after lunch.
2 visits- zero transaction at Affin & MB.
My 3 visits to CIMB were all good timing as I'd managed to top up at each visit. The staff was very helpful even though I've no account with them.
Total 9 successful top up today & 5 digits for ASW, ASM, AS1M.
Managed to get the most for ASM today.
Will continue my hunting next week.

This post has been edited by twinkle5129: May 13 2016, 04:34 PM

good hope u can achieve your target soon

Thank you. Will do my best to 'work' hard on this project.

Congrazz...

bet you are on top of the world -
when the teller inserted the ASx Pay in slip into their printer and
follow by updating your passbook .

Everyone in the banks are happy for me too after seeing me so many time the past few days.

I guess the bank that you withdraw from won't be so happy to see you everyday.

hahah spot on.

they lose deposit

Yuran Pengisytiharan Amanah*

Bil	Jenis yuran	Bayaran (RM)
1	Pendaftaran	RM180
2	Pendaftaran selanjutnya	RM90
3	Pembatalan	RM70
4	Pindaan penerima/penjaga	RM20
5	Pentadbiran	RM10 setiap tahun

Tuntutan

Nilai baki unit	Kadar (%)
25,000 yang pertama	1.5%
225,000 yang berikutnya	1.00%
250,000 yang berikutnya	0.50%
500,000 yang berikutnya	0.25%
Ke atas baki selebihnya	0.10%

It means that when the fund withdrawn by waris will charge based on how many unit u have.
Example, if you have RM10000, your waris will charge RM150 on the RM10000 and he/she only got RM9850

Got my units today despite the fierce competition from twinkle5129.

which fund?

don't post half half lor.

next time tell which fund? if possible, u feel okay. no feel security reason. can post amount too

U can register now @ RM100 ony

answer his question, since u have it

I think everyone here knows it's RM100 incl GST until end of May 2016. I already posted so many times.

I don't know answer. that's why didn't reply to his post

yes promotion until 31 may 2106, but, there tuntutan fee as quite alot.

If me no regeister, how long it will take to tuntun? it will no have charges?

Their fees is very competitive
Even ARB no where near them
If u dun register, it will take ard 3 yrs -v- with will ard 18 mths

Not just time taken, with it u transfer d units to your family instead of cash.

The main selling point is Beneficiary can receive proceeds via units around 21 calendar days
Tis is very fast especially for those Beneficiary who depend on units (aka cash) for daily living

AA Must complete details in bhg D, maklumat penerima n furnish 1 copy of relevant doc
BB Just complete bhg E n furnish 1 copy of relevant doc
CC Just read d entire form n understand T&C

Anybody here already past the accumulating unit stage? Whereby now just sitdown and collect dividends for monthly use..

I have stop buying ASx. But I am not depending on d dividend for expenses yet, salary will cover that. Hopefully without touching it will double in ~11 years at which time will use it for retirement. Along the way if there are better opportunity I would diversify. Currently I think this is one the best tool for parking funds.

Most probably will slow down as waiting for FD to mature end May.
Grab as many as you want during my 'resting' period.

This post has been edited by twinkle5129: May 14 2016, 09:14 AM

Just a beginner. Long way to go.

Put into Amanah saham, can forget about renewal or monitoring.

If topup say on 1st of month, and withdraw it out on 2nd of month, will there be interest for whole month? Hmm

No interest. Cause the calculation is based on the lowest amount in your account.

Okay. So interest is calculated monthly basis right, just that it will only be distributed for all 12 months (summed up) once a year?

So if I topup eg. RM 2000 on 1st of May and take it out on 1st of June, I will have interest for one month for that RM 2000 which will be added up into the yearly dividend?

Yes. That's right.

*curious* ... whats the dividend asw2020 will declare soon?

6.4% I guess?

anything about 6.2% looks okay for me! hopefully around 6.5 above haha..

You are withdrawing 6 digit on September right? Remember to post here. ASW2020 is a rarity these days.

with our economy crestfallen , i strongly reckon there are many ppl withdrawing each days... u just need to use backdoor services.

yes 6 digits start with 7 plus dividend.

will do it in morning time around 10-11am.

Bank officers saying asw hard to get. The easy one is asm. What's the date?

This post has been edited by Ramjade: May 14 2016, 11:42 AM

2nd september.

Banks usually are damn hard to get.

better go to ASNB branch directly just for your tips.

Alright will mark down the date and see if I have any FD matured before/on that day.

I have no problem with banks. Able to get them. No sandiwara from bank staff. ASNB not an option as is located in Shah Alam and I am in Klang.

This post has been edited by Ramjade: May 14 2016, 11:48 AM

You can PM me on one day before to confirm too if you want. For my case last time, during economy is good ...staff asnb able split 100k and do placement in just 3 working days. cause sometime the audit team will come to any asnb branch to prevent abuse from being happens. u know.. i know..

Oh if that's the case bank is the option for u.

Do another good deed, sell on 1-9-16 Thursday so buyer get 1 extra month of dividend.

Me here haha. Now focusing in fsm and some nice timing entering fiercely to asm again.

Next targeting property in eight years time and targeting d seg car.

Eh wait, but not using dividend for monthly use.

Seg car?

will try.

Auntie twinkle wants to Q for more ASW & ASM too. If go to ASNB, what mode of payment for 6 digits figure? Can carry only 50k cash max.

This post has been edited by twinkle5129: May 14 2016, 01:56 PM

For my case, i am a good friend of the manager & staff

so i use some tricks here.. put 100 to 300k CASH for the staff.. they will monitor for you real time ... when someone withdrawl they will do the placement for you..


of course u need to trust the staff.. if u dont.. do it ur own way which is 50k cash max as u mentioned.

M working towards tat direction

Wow!

Hope I can reach my target by Sept. Thanks for sharing.

This post has been edited by twinkle5129: May 14 2016, 01:53 PM

U r issuing a challenge to depositors to top up as much as possible

Go to bank. Can direct debit from account (if you have one). Downside: depend in how much you have inside.

Planning to open CIMB account next week as the staff are very helpful now that they have seen me more often. I hit ASM & ASW 5 digits jack pot with them at each trip.
They also suggested same method. Luckily they're not as busy as MB and still very close to my home.

This post has been edited by twinkle5129: May 14 2016, 02:15 PM

Remember to open BSA. That way, bank cannot charge you rm8.48 for atm card.

What is BSA? Auntie blur blur.

Basic savings account. A account which all banks in malaysia will offer for free. Downside is limited atm withdrawal but no problem with over the counter transactions.

Oh. Ok. Still can access online services?

As far as I know no problem