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 Ultimate Discussion of ASNB (47457-V) VI, Wholly owned subsidary of PNB (38218-X)

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heavensea
post Oct 10 2016, 04:38 PM

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QUOTE(nexona88 @ Oct 10 2016, 11:18 AM)
Those open this year don't needed to change..
Only older one needed to change..

Simple to know. Is the NAV column in the passbook. If have then new passbook. Don't needs to change.

Don't have NAV. Needed to change..
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NAB seunit = (RM) 1.0 ? Something like that?
heavensea
post Oct 10 2016, 04:54 PM

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QUOTE(OPT @ Oct 10 2016, 08:18 AM)
Those not yet change...can't top up.

Don't worry, the agent will change it for you
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The passbook of my mum and brother was years ago. When asw2020 first launch.. is it okay for them? I think they are not interested in top up, but the funds inside there no problemo?
heavensea
post Oct 10 2016, 04:55 PM

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QUOTE(nexona88 @ Oct 10 2016, 02:41 PM)
Haha most likely that's they are doing laugh.gif
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Online asx is exciting! No need go to bank anymore biggrin.gif
heavensea
post Oct 10 2016, 07:33 PM

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QUOTE(nexona88 @ Oct 10 2016, 07:00 PM)
Or just visit lowyat forum..
We shall get all the latest info rclxms.gif
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Fastest way to "sedut" information haha.
heavensea
post Oct 10 2016, 07:35 PM

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I read some abt open new asnb fp funfs accounts, imho asnb branch is good for those who want to open new account. Banks is kinda hard unless:

1) u meet friendly staff
2) period post dividends
3) and luck
heavensea
post Oct 12 2016, 12:49 AM

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Hi all, I've an off topic to seek for opinions.

My housing loan interest is 4.6% p.a.
ASNB return around 6% p.a.

It's simply calculations based on paper, I should park muy money in ASNB instead of "top up" my downpayment to 20%.

Am I right? Or there's another factors that I haven't taking consideration yet?

Or I should increase my housing dp to 20% so my monthly commitment of mortgage would be lesser?


heavensea
post Oct 12 2016, 12:34 PM

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QUOTE(Kamen Rider @ Oct 12 2016, 09:34 AM)
Today managed to top up 100 for asw
So little
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don't give up bro, maybe next time you'd get more. Btw ASW is kinda hard to top up now.
heavensea
post Oct 12 2016, 12:36 PM

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QUOTE(Kamen Rider @ Oct 12 2016, 09:52 AM)
I hesitate to pay 1.06 , understand this will be charged regardless of getting the units or not
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I've thinking to top up via online but RM1.06 per try is not worth (you know the odds to get it) so I only tried at bank because driving distance is very short only.
heavensea
post Oct 12 2016, 12:39 PM

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QUOTE(OPT @ Oct 12 2016, 06:17 AM)
OT:

IMHO, better to park in ASX FP...it makes sense.

Housing loan interest is among the lowest around, that's how many people are leveraging.

Higher dp is when banks don't approve of higher loans. Also, if this is an issue to you, better get those flexi loans instead so that you can top up the loan in near future...

👍
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Thanks bro, I'm gonna studies about flexi loan now. I've calculated those figures based on paper, only save 9k for first ten years... parking at asx fp is definitely better.
heavensea
post Oct 12 2016, 12:41 PM

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QUOTE(wil-i-am @ Oct 12 2016, 09:11 AM)
On paper, choose ASNB as the returns is higher
Having said tat, u need to balance between returns n your mthly commitment (if the sum exceeds DSR)
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Hi thanks for feedbacks.
My dsr is alright with 10% dl, will not top up on downpayment because it's not worth the moment.
heavensea
post Oct 12 2016, 12:47 PM

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QUOTE(chicaman @ Oct 12 2016, 08:24 AM)
Non-Bumi here

I already read the first page, is it still available to open an account now? Possible to open online eg Maybank?
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You can open at agent banks, pos office, and asnb branches.
It would be hard to open new account but you just need 100 units for each new account. So keep trying on "recommended places" in KL and you'd get it soon.
heavensea
post Oct 12 2016, 05:59 PM

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QUOTE(Vincent9696 @ Oct 12 2016, 05:53 PM)
Lol...my asw is double of the amount asm...cant rebalance the weightage anymore...
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u bangga lah XD
I got 2k+ in asw only haha.. pathetic
heavensea
post Oct 12 2016, 06:00 PM

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QUOTE(Kamen Rider @ Oct 12 2016, 01:20 PM)
Awesome .... i guess it is a high 4 digit smile.gif
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9999 smile.gif
Congrats bro.
heavensea
post Oct 12 2016, 06:05 PM

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QUOTE(anzen600 @ Oct 12 2016, 01:46 PM)
Aiseh lucky 2day, manage to topup 5 digits for as1m in one go nia..
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Congratulations biggrin.gif
I never got 5 digits in single transaction yet.

This post has been edited by heavensea: Oct 12 2016, 06:11 PM
heavensea
post Oct 12 2016, 07:25 PM

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QUOTE(nexona88 @ Oct 12 2016, 06:34 PM)
slowly u shall get more units.

no worry  biggrin.gif

u need to focus the right timing  dry.gif
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ya I was late for ASW, just want to open new ac at that time when ASW announced div.
gonna wait for ASM blush.gif
heavensea
post Oct 12 2016, 08:26 PM

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QUOTE(nexona88 @ Oct 12 2016, 08:18 PM)
Join the club..

Waiting for asm too blush.gif

Most likely withdraw from as1m to add into the fund..
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as1m not looking good ya cool2.gif
heavensea
post Oct 12 2016, 08:40 PM

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QUOTE(nexona88 @ Oct 12 2016, 08:39 PM)
That's one thing..
Another one, too much on as1m.. Needed to balancing blush.gif
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wish some day I can speak too much as well cool2.gif
finding equilibrium of funds cool2.gif
heavensea
post Oct 13 2016, 02:50 PM

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QUOTE(wil-i-am @ Oct 13 2016, 02:06 PM)
Y not if u blif in ASNB/PNB
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Don't see what's the problem.

Diversification is for big gun, small amount just take it as disciplinary/targeting savings in asnb.

Fd too low, but those 1mth efd good for liquidity. So park emergency funds inside is alright. The rest can committing into fp asx..

I don't understand why ppl like vp ut, "4 types of charges" incurred and ur returns is only 4.xx% after minus those charges... and this is based on assumption your selected funds giving constantly 8% / year. Better put in fd promotion in this case..
heavensea
post Oct 13 2016, 03:54 PM

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QUOTE(Ramjade @ Oct 13 2016, 03:23 PM)
The changes are already calculated into the NAV. 3% or even (-) returns happened if the market is bad. If the fund can give 12% p.a nett after 3 year, I will say it perform better than FP as FP give nett 6.x% after 3 years.

Not to mentioned some people don't like govt related stuff/some don't like non-transparent stuff/some think it's all ethical isaue so they don't want touch fixed price fund which IMHO is silly. As long as it's better than FD and can outrun inflation, that's good enough for me.

Besides like I mentioned there's rhb islamic bond fund (vp) which give consistent 7.x% every year. That 1% might not seem like much now. But over time, rhat 1% stack up.
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Some ppl said it's "harom"... (fpasx)
heavensea
post Oct 13 2016, 04:54 PM

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QUOTE(nexona88 @ Oct 13 2016, 04:18 PM)
Well if want halal, got others investment too..
Like AHB. Got neelofa has the cover girl ads blush.gif
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Fp funds as well? Saw it at mbb few months ago. 200k max top up?
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