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Ultimate Discussion of ASNB (47457-V) VI, Wholly owned subsidary of PNB (38218-X)
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bbgoat
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 Oct 9 2016, 09:21 AM
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QUOTE(wil-i-am @ Oct 9 2016, 07:41 AM) Yes, it's feasible I supposed tis strategy is rather sad n not worthwhile as u have spent time n effort initially to top up Yes, I think I will just let it be as well. My strategy is still during top up, request AS1M xk, ASM/ASW x0k. Have been doing that for last 2 days of hunting. I wrote it down on the queue sheet and passed it to the teller. This slows down my AS1M some how.  |
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bbgoat
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Oct 9 2016, 09:25 AM
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QUOTE(twinkle5129 @ Oct 9 2016, 08:57 AM) Only for those who have too much AS1M and too little ASW. I'm happy with whatever hibernating inside my 3 accounts right now. Any particular preference between the ASW and ASM ? My ASM is still higher than ASW. |
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bbgoat
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Oct 9 2016, 10:23 AM
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QUOTE(yygo @ Oct 9 2016, 10:19 AM) 1 year in austr, for wife, son, 2 daughters and himself. how much you tink? 1 mil?  1 mil nowadays is not much unless one is retiring and not supporting kids studying overseas. Gen-X is an inspiration in terms of his wealth and his way of looking at life. Like "spend your children's inheritance". Hahaha ! |
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bbgoat
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Oct 9 2016, 03:51 PM
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QUOTE(plumberly @ Oct 9 2016, 02:10 PM) Read this book The Seven Most Important Equations For Your Retirement will answer * how much money do I need * which depends on answer to how long will I live Will not give everyone a spot on answer but it is a good guide to start with. My quick estimate is this A = yearly expenses / net worth enough when A is 0.03 or less. Is the A = yearly expenses / net worth, given by the book ? I think should replace the net worth by liquid asset excluding primary residence.  |
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bbgoat
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Oct 9 2016, 04:24 PM
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QUOTE(twinkle5129 @ Oct 9 2016, 04:19 PM) Personally, I'd prefer to have around 50:50 between ASM: ASW as both are 6 mths apart. I think I will still try to top up both ASW and ASM to about same level as AS1M. All 3 to be about same level if possible. Though I do understand the payout is about the same for all 3. |
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bbgoat
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Oct 9 2016, 06:47 PM
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QUOTE(wil-i-am @ Oct 9 2016, 06:44 PM) Below is my analysis:- ASW Returns since inception - 7.383% Average returns for 5 yrs - 6.520% Average returns for 10 yrs - 6.675% ASM Returns since inception - 6.793% Average returns for 5 yrs - 6.560% Average returns for 10 yrs - 6.633% AS1M Returns since inception - 6.469% Average returns for 5 yrs - 6.480% Average returns for 10 yrs - N/A U guys are GOOD ! Doing analysis on your investments !  |
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bbgoat
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Oct 10 2016, 05:53 PM
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QUOTE(twinkle5129 @ Oct 10 2016, 05:51 PM) I started ASW2020 in 1997 and untouched till 2017. $$ are safe inside the book. Whatever amount they have placed in 1996/97 are 3x the initial investment now. It'll be good to change to new passbook with new account numbers. I only started to top up and opened ASM & AS1M this year after learning from everyone here. Imagine if big amt, 6 figures, are put in, now will be BIG returns already !  |
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bbgoat
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Oct 11 2016, 07:33 PM
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QUOTE(twinkle5129 @ Oct 11 2016, 07:13 PM) Not interested. Only like ASX FP and dividend stocks. But auntie has small allocation for FD ? Auntie risk tolerance seems to be on high side.  |
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bbgoat
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Oct 11 2016, 08:13 PM
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QUOTE(twinkle5129 @ Oct 11 2016, 08:04 PM) Smaller allocation for FD. ASX FP dividends 6%+/- vs FD <4%. No need to think hard. (Still have EPF & CPF, dividends and profits from stocks.) Wow, auntie still keeping CPF ! |
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bbgoat
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Oct 11 2016, 08:27 PM
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QUOTE(twinkle5129 @ Oct 11 2016, 08:26 PM) Still not at legal age to withdraw. With S$ appreciating, u are GOOD ! Auntie still young ! This post has been edited by bbgoat: Oct 11 2016, 08:28 PM |
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bbgoat
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Oct 14 2016, 02:15 PM
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QUOTE(plumberly @ Oct 14 2016, 12:41 PM) Just tried it with Affin online. In Affin, only 2 signs, a tick and a cross. When you submit, you will get a a tick. If not successful a day or 2 later, it will be a cross. So, their tick means either * best of luck waiting for the outcome, or * approved Ha. I also did MBB submission, shown as "Successful". I guess is submission successful, still need ASNB confirmation. Have to wait for few days if dough returned or not. |
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bbgoat
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Oct 14 2016, 02:36 PM
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QUOTE(wil-i-am @ Oct 14 2016, 02:32 PM) I tot applicant will know the results within 1 working day if perform b4 cut-off time? Last time tried CIMB, next day know the result, then one more day dough returned. |
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bbgoat
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Oct 14 2016, 02:41 PM
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QUOTE(wil-i-am @ Oct 14 2016, 02:39 PM) In tis case, better try CIMB instead of Maybank Just tried MBB short while ago. Need to see the result first. |
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bbgoat
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Oct 14 2016, 03:18 PM
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QUOTE(wil-i-am @ Oct 14 2016, 02:44 PM) When u top up AS1M via m2u, u use old no or new a/c no? As I said before, using the ASG acct number. 2 yrs ago one. |
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