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

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Ramjade
post Sep 9 2016, 03:00 PM

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QUOTE(cheahcw2003 @ Sep 9 2016, 02:39 PM)
worth it?
looks like a crime.
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Exactly. Not worth it for me. Better to have good relationship with banks and leave your book there then doing this. After all, one does not need to have huge amount inside the bank. Just being regular customer, smile, being courteous, do small talk after a while the bank worker will just tell you to leave the book there*. rclxms.gif
*depending on the bank worker

QUOTE(yvonne2016 @ Sep 9 2016, 02:40 PM)
wouldn't it be better for you to try top up
via CIMB Click , MBB or other agents
for a fee of RM1-06 s/c  each transaction .

95% " online "  thumbup.gif  sure success one -
*
But that one not confirm can get. This one RM50 confirm can get RM10k wo. whistling.gif
Ramjade
post Sep 9 2016, 05:50 PM

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QUOTE(filage @ Sep 9 2016, 05:24 PM)
Whoever use bribe to topup, if the teller is reported they will be in trouble.

Btw, I just went to do some minor topup. I realized that is a lot more strict now. Maybe that will address the fear of unauthorized withdrawal etc.

The printout receipt now have:
(a) Agent Code
(b) Supervisor Code
© Teller Code.


If want to know what happened in problem circumstances, everything can be traced.

I also learn from the staff at one place that the new system now require 2 PERSON in order to be able to toup. The teller must call the supervisor to OPEN the limit and only then the teller can catch unit. If you want to top 100, he/she will call the supervisor to tell them that amount, and then the supervisor will sort of approve that on another system.

Any of you face this?

The place I 1st went said supervisor is not around must wait until come back from sembahyang then can do topping up. Because need supervisor approval. But ASB old system no need, straight away can do any transaction. "Senang" she said. Immediately some Malay customer is doing ASB with her at the counter.

Second visit I went is described above. The teller have to call supervisor to open the limit for topup.

But when I topup another place beginning of this year, don't think I face the teller calling supervisor to approve though. Seem like a latest policy/system upgrade together with the IC checking.
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Well how many you know will kena tamgkap? Well I have never used bribed.biggrin.gif

This one long time ago got. Since like 2 years ago?

I noticed that. But usually if amount is big. They will ask the person behind them to authorised it? I believed >Rm10k? If small amount, never see them asking supervisor. Also if multiple topup also does not require permission.

Ramjade
post Sep 10 2016, 09:15 AM

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QUOTE(ivzh @ Sep 10 2016, 09:02 AM)
hi, am new here, switching some of my UT to ASNB.. I manage to top up some unit in AS1m yesterday in the PNB office, usually hw u guys top up >10k? all by hand carry cash?
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Depends. Some of us here prefer carry cash. Some direct debit from account.
Ramjade
post Sep 12 2016, 08:11 PM

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QUOTE(kart @ Sep 12 2016, 07:16 PM)
Thanks for sharing your opinions, nexona88, OPT and wil-i-am. As expected, you have good reasons not to top-up ASNB at PNB HQ, and I respect that.  smile.gif

So, we can top-up only ASW 2020 and ASM on 30 September 2016, right?

Sigh, I have to top-up AS1M before 21 September 2016, losing little bit of interest that can be gained if I keep the fund (for AS1M top-up) in GIA till 30 September 2016.  sad.gif
*
You don't need to wait ubtil 30/9. Ask yourself the question what happen if you don't get the units on 30/9?
What's few days of interest lost compare to guaranteed calculated dividend for the month of october?

Unless if you have private banking like wil-i-am, then it's a good move to ONLY topup on the end of every month. That way you maximise. If uou are like me without special help from banks, I topup anytime. That way I am guaranteed the dividend next month eventhough I lose interest this month.
Ramjade
post Sep 13 2016, 04:57 PM

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QUOTE(eddie2020 @ Sep 13 2016, 03:30 PM)
Where to check current price for the vp? Later rm 5 den I need pay rm500 lol... Aside those ppl who top up all bring cash to counter? Not danger ka
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http://www.asnb.com.my/english/price.aspx
Depends how you look at it. Wear like Donald trump, sure become magnet. Wear like painter, mechanic, student, people see also don't look at you 2x biggrin.gif
Ramjade
post Sep 14 2016, 08:46 PM

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QUOTE(mamamia @ Sep 14 2016, 07:11 PM)
Sorry, may I know what is FP and VP?
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FP means you buy and sell the unit at RM1/unit. Anything happen (market good or not), you pay RM1/unit with ZERO service charge. Park for one year, get 6.x% Sounds like FD right? whistling.gif drool.gif
VP = like normal unit trust.
Ramjade
post Sep 15 2016, 03:07 PM

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QUOTE(tonytyk @ Sep 15 2016, 03:03 PM)
Can get units so easily?
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Can. If you have priority banking like some people here. whistling.gif
If like me or auntie twinkle, need to have lots of time to camp at bank to get the units.
Ramjade
post Sep 15 2016, 06:40 PM

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QUOTE(bbgoat @ Sep 15 2016, 05:26 PM)
I bought ASG 2 years back. After that have been trying to ask RHB and MBB to open new FP accounts. They always said cannot open new account. 

Yesterday successfully opened the 3 FP accounts in Affin, ASM, AS1M and ASW2020. It took about 45 minutes all in. All got in the first try. But I only bought small amount. After I got mine, another counter one lady was not able to get any units. The counter staff said I was lucky !

Now really think some of the banks really turn people off. 

Thanks for this thread, people saying this week is time to get the units. Luckily did not go to ASNB office as I heard the queue there was pretty long. Affin no queue. After talking to the officer, went straight to the counter. But the account number is using my ASG account number. No need to fill in new forms for the 3 FP accounts.
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That one is main rejection script everywhere.. When pressed more, actually can open. I opened mine at klia2. tongue.gif

QUOTE(bbgoat @ Sep 15 2016, 06:00 PM)
Hahaha, after the ASG (6 figure), have stopped buying any ASNB units. Now will try to buy the FP units. Except hate going to bank to try and try.

Placing FD is more straight forward. FP units, susah lah !!

Have talked to Affin, they suggest buy <50k units in any one day. But then I ask if cannot get ? Then the 50k or remainder stay in SA ?  dry.gif

Admire some of the taikoh here have kangtao to get the units.  rclxms.gif
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If you have good relationship with BM of cimb/rhb/maybank/affin just ask and see of can leave book or not. Of course make sure got money in SA. Can prepare in adavance or at rhe end of the day before 3pm if got.

Next year, you can contra out ASG into FP. No need cash in account.

If BM don't want to entertain you by allowing you to leave book, recommend you topup at affin bank/asnb. Topup at affin bank can try one shot try rm49k biggrin.gif tongue.gif but trying one shot rm49k usually cannot get. Best is try multiple time of rm10kx4

Rm50k is by cash. If by SA, I never notice any limit before. Yup. If don't have rm50k still stuck in SA at the end of day. Keep in mind if topup on 2nd of the month, dividend for that month is not counted. So ok or not for you since you count interest to the day? hmm.gif Like that lose 28 days interest. tongue.gif That's why people try to maximise the returns by topping up on 30/31/1 of the month. If me, I topup whenever ada unit. Rugi a bit for higher returns next month. rclxm9.gif (no priority banking sad.gif )

You miss the trip. If I am not mistaken auntie kangaroo unloaded 6 digit of of FP early in September.

QUOTE(mamamia @ Sep 15 2016, 06:01 PM)
AS1M is not capital guarantee right?
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Capital not guaranteed but you buy and sell at rm1/unit. During dividend date, nav is still rm1/unit. You say leh? whistling.gif
Ramjade
post Sep 15 2016, 06:42 PM

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QUOTE(bbgoat @ Sep 15 2016, 06:27 PM)
Shxx ! Looking at my ASG passbook after the update yesterday, lose about 6.7% after 2 years !  doh.gif
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Just hold. If you are lucky like me, get board rates FD return for ASG. When you see got profit, straight contra into FP.

If you want to cut loss also can. But I recommend holding for 3 years to see some returns. I was tempted to sell cause loss but because of holding additional year, I sold.off my ASG at nett avearge FD board rates.

Monitor the price
http://www.asnb.com.my/english/price.aspx

QUOTE(twinkle5129 @ Sep 15 2016, 06:38 PM)
Majority inside FP & dividend stocks now. Still have some FDs at Affin 4.3% & HLB 4.25%.
Can survive with dividends from stocks without touching FP dividends.
*
notworthy.gif notworthy.gif

This post has been edited by Ramjade: Sep 15 2016, 06:51 PM
Ramjade
post Sep 15 2016, 06:48 PM

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QUOTE(twinkle5129 @ Sep 15 2016, 06:43 PM)
Curious. Who is auntie kangaroo?
*
aromachong
Ramjade
post Sep 15 2016, 07:11 PM

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QUOTE(nexona88 @ Sep 15 2016, 07:07 PM)
Thanks for the info...
Now it's confirmed that if u have any of those fund, don't needed to fill up new applications form.. All use 1 common account number...
So I guess it much easy nowadays.. Since u have ASG, all use the same number...

But the biggest question now, the tellers will know all the funds balance just with a click (even u don't show your passbook).. Its using 1 acc number.. Top up, withdraw, open, close account...
*
I still need to feel up form when I open asm, asw2020 and as1m
Ramjade
post Sep 15 2016, 07:19 PM

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QUOTE(nexona88 @ Sep 15 2016, 07:17 PM)
Maybe now easier.. Since now all use same number..
U open yours when all 3 still old system right???
*
I believed asm and asw new ayatem.
Ramjade
post Sep 15 2016, 08:01 PM

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QUOTE(tonytyk @ Sep 15 2016, 07:51 PM)
Why kangaroo?
*
She's moving/moved to australia.
Ramjade
post Sep 15 2016, 08:08 PM

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QUOTE(bbgoat @ Sep 15 2016, 08:06 PM)
Is this new for ASNB ? One of my relative said their acct number was different for the 2 accounts that they have with ASNB.  hmm.gif
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Previously, before changing book, each book have different no. After changing book, all books become one number.

This post has been edited by Ramjade: Sep 15 2016, 08:09 PM
Ramjade
post Sep 15 2016, 09:33 PM

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QUOTE(kart @ Sep 15 2016, 09:26 PM)
When performing over-the-counter cash withdrawal in Maybank, it seems that receipt of the transaction is no longer given to customer. The withdrawal form in Maybank is just one piece, without any attached carbon copies.  sad.gif

Sigh, is there a way for me to obtain a receipt of over-the-counter cash withdrawal? With that, I prove the source of the money, which is to be used to top-up ASNB funds.
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Er just contra from maybank account to amanah saham? Why need to prove?
Ramjade
post Sep 15 2016, 11:18 PM

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QUOTE(nexona88 @ Sep 15 2016, 10:30 PM)
well he wanna bring cash to ASNB office direct  dry.gif
some do mention ASNB office way better chance & friendly staff too  blush.gif
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I forgot. kart If that's the case, just bring like rm20k. After all asnb allow you to topup up to rm50k cash/day.
If got somemore, just tell them I leave the book here first go and withdraw cash.
Ramjade
post Sep 16 2016, 01:15 PM

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QUOTE(guy3288 @ Sep 16 2016, 12:53 PM)
this one attracts my interest. can share what stocks you have?
i have some 200k stocks- 'poor' dividends(compared to purchase cost) <4%
You manage to get 8%pa dividend over your cost of purchase?
*
Can check out dividend magic blog. He list out some nice stocks which give good divdends or ask Hansel for tips for international stocks. smile.gif

This post has been edited by Ramjade: Sep 16 2016, 01:16 PM
Ramjade
post Sep 16 2016, 01:41 PM

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QUOTE(bbgoat @ Sep 16 2016, 01:36 PM)
Yeah 2% for 1 mil can be 20k difference. But it would really take time to build up to that level since not easy to get the amt we want. Will need patience, perseverance and some kangtao !
*
Not true. Auntie twinkle did all that in one month. But she visit affin bank everyday. 3x/day like that.

This post has been edited by Ramjade: Sep 16 2016, 01:41 PM
Ramjade
post Sep 16 2016, 03:01 PM

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QUOTE(tonytyk @ Sep 16 2016, 02:51 PM)
How is it possible? Consistently 50k/day? Got units?
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For her everyday got units. Contra straight from account, no questions ask. If use cash, then they ask you question. More or less everyday 5 figure right twinkle5129? Also 6 figure completed in 1 or 2 months?

If you camp everyday at the bank/leave your book there, it's possible to get rm50k/day. Previous proof by mr guy shows us that.

This post has been edited by Ramjade: Sep 16 2016, 03:02 PM
Ramjade
post Sep 18 2016, 11:01 AM

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QUOTE(OPT @ Sep 18 2016, 09:28 AM)
FD not yet touch...

Existing funds still also not yet fully utilized, so don't see the need to uplift yet. But still, FD maturing soon, so...
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Wow. UHNWI spotted. notworthy.gif notworthy.gif

QUOTE(heavensea @ Sep 18 2016, 05:12 AM)
noob question, what's fp?
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FP = Fixed price fund sold by ASNB (ASB, ASB2, ASM, ASW2020, AS1M) which means you buy and sell at rm1/unit so there's no chance for making a loss as your prinicpal will always remain the same.

Historically, FP funds sold by ASNB give the same return every year.

This post has been edited by Ramjade: Sep 18 2016, 11:03 AM

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