Yes I'm bumiputra. So I only can put in money online huh? Other transaction need to be done at the branches? Alright thanks.

Seriously thinking whether should uplift FD now....

I remember last time dividend they pay cheque...since fund is fully subscribed.

But nowadays they pay in units...so meaning every year the fund increasing by 6.x%?

If they give cheque, maybe no one will sell...then no way can buy 😱

Perhaps time for u to say goodbye to CIMB

Surprisingly my relationship with them is still gud 

pos office need to fill in form if deposit many times in same time.

But, bank no do that.

But, anyway ASNB enforce agent to fill in form in do multiple time in same time . but no sure is deposit many time or withdrawn many time.  or deposit and withdrawn on the same time.

deposit and withdrawn on the same time - this will happen if officer make mistake,
example, customer  request to try many time deposit. but officer might do deposit as request. but may be in between the offier make mistake goto withdrawn, i see this happen before.

i no refer to deposit form (blue color) and withdrawn form (red colour)

it is A4 size document to stated the detail why do multiple tx.

all of u printed the Dividends already, enjoyed the return.. just printed 3 books, keyed in all entries + dates into  Polarbearz excel file and it showed quite diff IRR (since 2007):  6.17, 6.33 and 6.39% , must be int loss from diff buying dates i guess..

When is your last attempt to do multiple top up?

I suppose multiple top up no need that form. i suspect that officer in pos office confius with the condition to fill in that forms. they just want play safe.

May be multiple withdrawn from same acc on time then only need to fill in.

or deposit and withdrawn on the same acc on same day. this happen to bank.

mmm... interesting point.... question, do we need to declare these incomes e.g. income from ASx, FD etc...... if someone having big net worth in ASx and FD, these dividend/interest income need to be declared in Income Tax or not?

the most enjoyable moment is to see your fund grow from the dividend compounded mechanism.
When applying loan, banks take the seed as net worth and the dividend as yearly non-taxable incomes.

Undestand not taxable , just like dividend income from shares, however my question does one need to fill those paperworks for income tax submission.....

will LHDN come after you...... as you could probably buy a car, a property with your dividend ..

Any of the new system forms on the shelf to take? Until today, I still cannot see the new system form on the shelves. They will tear one piece for you out of a receipt book sort of thing if you want to top-up. The new forms not in separate sheets. None of the agents I go to have that form on the shelves. They only have the smaller forms for old system.

Depending on what car you buy, kancil or Porsche?
If you buy Porsche in cash, you are digging yourself a graveyard. Most HNWI buys luxury cars in small loans, to escape the attention from you-know-who.

I see. I'm not really in the need to take xtra copies right now. Just asking.. coz nvr see the new forms on display.

Btw, suddenly I'm paranoid if the staff can withdraw your units without your presence. Do you think possible? The case you had was with your presence to topup, but press wrongly to withdraw. But what if they key wrong number on your account when withdraw for others? Or they withdraw it for illegal purpose like those MH370 victim accounts. Is it possible?

So troublesome cannot check online for balance - at the very least. The rest like open their own unit trust platform is a fantasy given the never ending system issues they have.

I hope the system only let thru to next step after IC scanned and thumbprint for withdrawal. Not something like scan as a separate step.

Correct me if I am wrong, is there a need for a second officer (or line manager) to "override" a transaction to prevent any abuse or unauthorized transactions?  Or is it applicable to cash withdrawal only?
Else it's quite scary to think that the staff can press wrongly to sell instead of buy units..

ASM gold book. Opened yesterday. RM100 + 5k+5k. Next week gonna top up again. As usual, commission usually rm50 for RM10k

kindly explain more -

Pay commission to who ? 
bank teller / agents / PNB STAFF
or runner ?
 
for helping you to top up OTC ? 

How much u hv to pay?