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

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nexona88
post Oct 13 2016, 08:25 PM

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QUOTE(heavensea @ Oct 13 2016, 07:31 PM)
If fp + "free charges" like asnb = good fund.. if not, mehhh.
Non bumi can buy this ahb? Heard very good sambutan, sold out.
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Too bad, non bumi not entitled..

Good demand, almost sold out because it's shariah compliance with 6sen+ dividend yearly paid twice (3sen+). Whatever given already deduct zakat.. Unlike ASB, u needed to calculate own self..

heavensea
post Oct 13 2016, 08:33 PM

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QUOTE(nexona88 @ Oct 13 2016, 08:25 PM)
Too bad, non bumi not entitled..

Good demand, almost sold out because it's shariah compliance with 6sen+ dividend yearly paid twice (3sen+). Whatever given already deduct zakat.. Unlike ASB, u needed to calculate own self..
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focus on "big 3" of asnb for non bumi. tongue.gif
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post Oct 13 2016, 08:47 PM

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those who purchase online be careful. i made a few transaction online few days back, and it showed approved. today, it turned rejected and refunded. i'm like what ??
heavensea
post Oct 13 2016, 09:08 PM

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QUOTE(alexanderclz @ Oct 13 2016, 08:47 PM)
those who purchase online be careful. i made a few transaction online few days back, and it showed approved. today, it turned rejected and refunded. i'm like what ??
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wt f???? do you go to asnb and asked about this? They charged u rm1.06 and ended up refund all back to u???
Which funds u have been bought and rejected? confused.gif
heavensea
post Oct 13 2016, 09:10 PM

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QUOTE(Ramjade @ Oct 13 2016, 08:20 PM)
Yes. Like I said malaysia top fund.
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Hi sir, off topic question.
Where can I check latest NAV price for KGF? Can I check it on "daily updates basis" like stocks in KLSE?
Ramjade
post Oct 13 2016, 09:27 PM

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QUOTE(heavensea @ Oct 13 2016, 08:23 PM)
did u park some money in there?  biggrin.gif
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.
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Not all VP have exit fees. Also if you buy from FSM/eunittrust, entry fees only 2%. Sometimes can get 1%/0.57%/0% besides what is 2% if you are holding for 3 years +? Unless you buy from agent then ya la. Straight up lose 5%+ whistling.gif whistling.gif

Management fees is already calculated in the NAV. You won't see it. Besides experience from holding ASG, I don't see them deducting management fees (management fees is already calculated in the NAV - learn that after being told off). But for me, as long as don't see, who cares. If see only heart sick. biggrin.gif

Again like I said there are some free funds like RHB Islamic Bond Fund. Even though you pay management fees (calculated in the NAV already), but you still get 7.x% every year. The only downside is not liquid enough for me with exit fees if don't hold for 1 year. Btw, I dont put any money in RHB islamic bond fund.

I am a cheapskate guy too. ASX FP is my FD as is liquid. I already transferred 75% of my FD into ASX FP. No point holding FD when FD rates dropping like a rock and need to keep running to the bank every yewr. No UT in the market can offer me that acceptable return with that high liquidity. That's why I still hold despite I can get 7.x% there are ways to get UT at 0% SC (buy from eunittrust whenever they have 0% promo).

QUOTE(heavensea @ Oct 13 2016, 09:10 PM)
Hi sir, off topic question.
Where can I check latest NAV price for KGF? Can I check it on "daily updates basis" like stocks in KLSE?
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All UT sold in malaysia practice forward pricing. You won't know today's pricing until the next day. You can see the price at fund house website https://www.kenangainvestors.com.my/KIB/KIB...idual/Home.aspx or see it the next day via FSM/eunittrust.

This post has been edited by Ramjade: Oct 13 2016, 09:37 PM
heavensea
post Oct 13 2016, 09:34 PM

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QUOTE(Ramjade @ Oct 13 2016, 09:27 PM)
Not all VP have exit fees. Also if you buy from FSM/eunittrust, entry fees only 2%. Sometimes can get 1%/0.57%/0% besides what is 2% if you are holding for 3 years +? Unless you buy from agent then ya la. Straight up lose 5%+ whistling.gif whistling.gif

Management fees is already calculated in the NAV. You won't see it. Besides experience from holding ASG, I don't see them deducting management fees (management fees is already calculated in the NAV - learn that after being told off). But for me, as long as don't see, who cares. If see only heart sick. biggrin.gif

Again like I said there are some free funds like RHB Islamic Bond Fund. Even though you pay management fees (calculated in the NAV already), but you still get 7.x% every year. The only downside is not liquid enough for me with exit fees if don't hold for 1 year. Btw, I dont put any money in RHB islamic bond fund.

I am a cheapskate guy too. ASX FP is my FD as is liquid. I already transferred 75% of my FD into ASX FP. No point holding FD when FD rates  dropping like a rock and need to keep running to the bank every yewr. No UT in the market can offer me that acceptable return with that high liquidity. That's why I still hold despite I can get 7.x% there are ways to get UT at 0% SC (buy from eunittrust whenever they have 0% promo).
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FSM = fundsupermarket?

RHB Islamic Bond FUnd seems promising, but can I buy as non bumi/Islamic?

I might diverse my FD into ASX FP and "trustworthy/solid" UT (try small amount), but I wouldn't buy ASG with banks...


Ramjade
post Oct 13 2016, 09:42 PM

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QUOTE(heavensea @ Oct 13 2016, 09:34 PM)
FSM = fundsupermarket?

RHB Islamic Bond FUnd seems promising, but can I buy as non bumi/Islamic?

I might diverse my FD into ASX FP and "trustworthy/solid" UT (try small amount), but I wouldn't buy ASG with banks...
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Yes. FSM is fund super mart.

RHB islamic bond = invest in bond which furfilled islamic priniciples. Same like maybank eGIA-i. Open to all. Islamic here is just islamic principle.

I would never buy ASG anymore again. Already diverted my ASG into ASX FP.
annas473
post Oct 13 2016, 09:58 PM

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QUOTE(jishu @ Oct 13 2016, 05:04 PM)
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?
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Stick with saving. Decide when new dividends announced.

How much interest do bank offer?


heavensea
post Oct 13 2016, 10:01 PM

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QUOTE(annas473 @ Oct 13 2016, 09:58 PM)
Stick with saving. Decide when new dividends announced.

How much interest do bank offer?
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Dividends of asb semakin rendah and may not much of "meats go eat".

This post has been edited by heavensea: Oct 13 2016, 10:01 PM
heavensea
post Oct 13 2016, 10:05 PM

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QUOTE(Ramjade @ Oct 13 2016, 09:42 PM)
Yes. FSM is fund super mart.

RHB islamic bond = invest in bond which furfilled islamic priniciples. Same like maybank eGIA-i. Open to all. Islamic here is just islamic principle.

I would never buy ASG anymore again. Already diverted my ASG into ASX FP.
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Nasib baik I didn't naik kereta of asg... thanks for warned me smile.gif
RHB Islamic bond can be done via rhb online? Or I've to go open at bank and top up later via online? Or both need to be done at bank?

This post has been edited by heavensea: Oct 13 2016, 10:06 PM
jonoave
post Oct 13 2016, 10:10 PM

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Last Friday I tried to deposit to ASM through CIMB clicks. Just a small amount, RM1 k.

Then two days ago on Tuesday I saw the status changed from "Pending Acceptance" to "Approved". I was like yes!

Suddenly now I checked I saw the amount credited back to my CIMB account, and the status now shows "Rejected". WTF??
tonytyk
post Oct 13 2016, 10:28 PM

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QUOTE(jonoave @ Oct 13 2016, 10:10 PM)
Last Friday I tried to deposit to ASM through CIMB clicks. Just a small amount, RM1 k.

Then two days ago on Tuesday I saw the status changed from "Pending Acceptance" to "Approved". I was like yes!

Suddenly now I checked I saw the amount credited back to my CIMB account, and the status now shows "Rejected". WTF??
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Mine was "pending acceptance" earlier then to "approved", luckily didn't changed to "rejected"!
jonoave
post Oct 13 2016, 10:42 PM

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QUOTE(tonytyk @ Oct 13 2016, 05:28 PM)
Mine was "pending acceptance" earlier then to "approved", luckily didn't changed to "rejected"!
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Haha, it was really strange because I clearly saw it was changed to "Approved" on Tuesday, then 2 days later today it became "Rejected".

You better hope yours don't change too! tongue.gif

Or maybe you were the one who selit masuk and caused mine to be rejected.. cry.gif
nexona88
post Oct 13 2016, 10:59 PM

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what happen to online top up nowadays..

seems very weird.. approved first, then after few days rejected & refunded doh.gif confused.gif rclxub.gif

anyone else getting the same crap confused.gif bruce.gif
tonytyk
post Oct 13 2016, 11:07 PM

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QUOTE(jonoave @ Oct 13 2016, 10:42 PM)
Haha, it was really strange because  I clearly saw it was changed to "Approved" on Tuesday, then 2 days later today it became "Rejected".

You better hope yours don't change too! tongue.gif

Or maybe you were the one who selit masuk and caused mine to be rejected..  cry.gif
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Luckily my amount is Rm500, does not match yours
AIYH
post Oct 13 2016, 11:10 PM

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QUOTE(heavensea @ Oct 13 2016, 10:05 PM)
Nasib baik I didn't naik kereta of asg...  thanks for warned me smile.gif
RHB Islamic bond can be done via rhb online? Or I've to go open  at bank and top up later via online? Or both need to be done at bank?
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Not sure, you might need to ask RHB bank for their service availability.

But I believe FSM has more option as beside RHB Islamic bond, you can invest in other UT and have every fund you invested via FSM, be it Kenanga or RHB Asset Management etc... consolidated in one account smile.gif

btw Ramjade I think Asx FP is not as liquid as eGIA at the moment, cos you still need to go to branches to sell the unit to get the money, unless their soon to be online platform can buy/sell from/to your bank account then ok laugh.gif

This post has been edited by AIYH: Oct 13 2016, 11:12 PM
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post Oct 13 2016, 11:31 PM

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QUOTE(jonoave @ Oct 13 2016, 10:10 PM)
Last Friday I tried to deposit to ASM through CIMB clicks. Just a small amount, RM1 k.

Then two days ago on Tuesday I saw the status changed from "Pending Acceptance" to "Approved". I was like yes!

Suddenly now I checked I saw the amount credited back to my CIMB account, and the status now shows "Rejected". WTF??
*
same issue. dunno why.
heavensea
post Oct 13 2016, 11:48 PM

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QUOTE(AIYH @ Oct 13 2016, 11:10 PM)
Not sure, you might need to ask RHB bank for their service availability.

But I believe FSM has more option as beside RHB Islamic bond, you can invest in other UT and have every fund you invested via FSM, be it Kenanga or RHB Asset Management etc... consolidated in one account smile.gif

btw Ramjade I think Asx FP is not as liquid as eGIA at the moment, cos you still need to go to branches to sell the unit to get the money, unless their soon to be online platform can buy/sell from/to your bank account then ok  laugh.gif
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Thanks for advise smile.gif
Do we receive pro rate of dividends if we sell the units of asnb before "official dividends" date?

Gia return is too low, I'll park short term emergency funds in gia and lt emergency funds in asx fp.
jonoave
post Oct 13 2016, 11:48 PM

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QUOTE(alexanderclz @ Oct 13 2016, 06:31 PM)
same issue. dunno why.
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Ouch, but glad to hear that I'm not the only one.

I did a similar transaction early last week, and that was successful. So I made another attempt on Friday and was initially glad that it approved, but not suddenly rejected.

Guess we just have to keep trying... icon_rolleyes.gif

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