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

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bbgoat
post 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.)
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Wow, auntie still keeping CPF ! thumbsup.gif
nexona88
post Oct 11 2016, 08:15 PM

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QUOTE(tonytyk @ Oct 11 2016, 07:14 PM)
So all Affin branches are good for top up?
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Depending on staff..
Basically its good place because less people..
jorgsacul
post Oct 11 2016, 08:21 PM

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QUOTE(tonytyk @ Oct 11 2016, 07:57 PM)
Have registered asw, ASM & as1m in RHB online banking, pending approval
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Ok my question is asw indicated in their system
Is asw2020?
twinkle5129
post Oct 11 2016, 08:26 PM

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QUOTE(bbgoat @ Oct 11 2016, 08:13 PM)
Wow, auntie still keeping CPF ! thumbsup.gif
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Still not at legal age to withdraw. biggrin.gif Will dump into ASX FP also if FD is super low at that time.

This post has been edited by twinkle5129: Oct 11 2016, 08:27 PM
bbgoat
post 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. biggrin.gif
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With S$ appreciating, u are GOOD ! thumbsup.gif

Auntie still young ! thumbup.gif

This post has been edited by bbgoat: Oct 11 2016, 08:28 PM
tonytyk
post Oct 11 2016, 08:47 PM

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QUOTE(jorgsacul @ Oct 11 2016, 08:21 PM)
Ok my question is asw indicated in their system
Is asw2020?
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Yes, yes
nexona88
post Oct 11 2016, 09:39 PM

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QUOTE(twinkle5129 @ Oct 11 2016, 08:26 PM)
Still not at legal age to withdraw. biggrin.gif Will dump into ASX FP also if FD is super low at that time.
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Actually good to keep CPF for now..
SGD is strong.. U can get more later..
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?


OPT
post Oct 12 2016, 06:17 AM

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QUOTE(heavensea @ Oct 12 2016, 12:49 AM)
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?
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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...

👍
MGM
post Oct 12 2016, 07:43 AM

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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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Flexi loan has higher cost? I think unless one needs its flexibility better to look for cheaper new loan.
chicaman
post Oct 12 2016, 08:24 AM

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Non-Bumi here

I already read the first page, is it still available to open an account now? Possible to open online eg Maybank?
Ramjade
post Oct 12 2016, 08:27 AM

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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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Yes. If staff helpful and got units available. If not, cannot open.
Opening have to be over the counter at banks/asnb/post office.
wil-i-am
post Oct 12 2016, 09:11 AM

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QUOTE(heavensea @ Oct 12 2016, 12:49 AM)
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?
*
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)
wil-i-am
post Oct 12 2016, 09:13 AM

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Did anyone top up via online to capitalize on the 2 mths contest?
tonytyk
post Oct 12 2016, 09:32 AM

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QUOTE(wil-i-am @ Oct 12 2016, 09:13 AM)
Did anyone top up via online to capitalize on the 2 mths contest?
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Top up online yesterday, do we need to register?
Kamen Rider
post Oct 12 2016, 09:34 AM

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Today managed to top up 100 for asw
So little
wil-i-am
post Oct 12 2016, 09:38 AM

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QUOTE(tonytyk @ Oct 12 2016, 09:32 AM)
Top up online yesterday, do we need to register?
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No need as ASNB will auto capture data
tonytyk
post Oct 12 2016, 09:44 AM

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QUOTE(wil-i-am @ Oct 12 2016, 09:38 AM)
No need as ASNB will auto capture data
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CIMB will show subscription status but didn't see this for MBB, any one can share?
Kamen Rider
post Oct 12 2016, 09:45 AM

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QUOTE(wil-i-am @ Oct 12 2016, 09:13 AM)
Did anyone top up via online to capitalize on the 2 mths contest?
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Is ti worth to do online? The prize good? Slim chance to win , i guess
wil-i-am
post Oct 12 2016, 09:46 AM

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QUOTE(Kamen Rider @ Oct 12 2016, 09:45 AM)
Is ti worth to do online? The prize good? Slim chance to win , i guess
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In fact, the objective is to top up
If can win online contest, treat it as Bonus
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