Cool, i hope i can at this amount also

Y not if u blif in ASNB/PNB

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..

I presume different Ppl have their own risk appetite

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.

Well asw is always in demand..
U good enough to get 5k in non dividend payment month..

Some ppl said it's "harom"... (fpasx)

Well if want halal, got others investment too..
Like AHB. Got neelofa has the cover girl ads

Fp funds as well? Saw it at mbb few months ago. 200k max top up?

Hi wanted to ask for suggestions.

Shall i apply for asb loan for investment or just stick to saving my monthly salary and dont apply loan?


This post has been edited by jishu: Oct 13 2016, 05:11 PM

I think its 400k...
Not sure FP or not..

Sorry what's non dividend payment month? I know their payout was few months back though..

Sorry what I mean was now is not the dividend payout month.. (Sept 1 is the date). Now off peak time. Limited units because those want to withdraw already done that..

If fp + "free charges" like asnb = good fund.. if not, mehhh.
Non bumi can buy this ahb? Heard very good sambutan, sold out.

Actually KGF beats ASX FP hands down. Both invest in malaysia stock market.

ASB is never full. Or else hoohah

What's kgf??

Kenanga growth fund. But because of all kind of issue (xmdb, china, US) KGF, is not performing at the moment. KGF is one of malaysia top performing unit trust. If you want to see the "real" performance of ASX FP, just look at ASG and ASN3. That will give you general idea how it perform.

Of course we just have to pray that their reserves don't run out.

This post has been edited by Ramjade: Oct 13 2016, 07:51 PM

thanks berow, KGF is vp ut?
I believe overall ut are performing not well due to macroeconomic of Malaysia since 1mdb scandal.

Yes. Like I said malaysia top fund.

did u park some money in there?
I kinda refused vp ut because of entry/exit fees + yearly management fess. I'm cheapskate and rather park in "free" zone like asnb and take it as another form of FD.