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..

Highest level emergency fund : eGIA as you can uplift everyday (including weekend and PH) from 6am to 10pm
Comment : Very liquid

Medium level emergency fund : FP Asx as they gave high dividend but only can sell during working days and office hour at the moment (unless online platform change the landscape :lol)
Comment : Traditional liquid (OTC withdrawal)

Lowest level emergency fund : RHB islamic bond fund as they provide consistent higher return (historical) than Asx FP dividend, provided you can take a bit risk and can forgo the FD's PIDM capital guarantee concept.
Comment : Need few days to receive the fund, and the amount invested need to be put at least a year to avoid redemption charge

The most urgent need for emergency money is usually health related, eg for private hospital deposit fee.
Credit card would be  Number 1, in your pocket anytime.

Urgent hard cold cash? i wonder in what scenario will it be needed urgently nowadays...
even kidnapper also will give you time..

Money in UT or even bonds should not be emergency fund at all, not even the lowest level,
as you are likely to lose out selling to get hurried money.

The most urgent need for emergency money is usually health related, eg for private hospital deposit fee.
Credit card would be  Number 1, in your pocket anytime.

Urgent hard cold cash? i wonder in what scenario will it be needed urgently nowadays...
even kidnapper also will give you time..

Money in UT or even bonds should not be emergency fund at all, not even the lowest level,
as you are likely to lose out selling to get hurried money.

Car break down?

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!

Or maybe you were the one who selit masuk and caused mine to be rejected.. 

guys, what is the biggest sum u guys succesfully top up online via cimbclick?

I think after you submitted an entry, it will be stated as "approved".

Wait for 2 working days and see the real status.

If still "approved", then go to update your passbook to confirm.

If changed to "not approved", try again. Ha.

Secondly, the above I mention is the alternative for people who can forgo capital guarantee product and take up a little bit of risk for a bit higher return (still quit stable although not straight line).

Take note tat both Maybank GIA-i n ASx FP funds is not capital guarantee

Although the chances of happening is very minimal, it is advised to not put all eggs in one basket lol

Sometimes u need to take a gamble in life 

only if you are young.

Wat is your definition of young?

depends on people. married with children and .... risk taker? 

after submit, show as "pending".

Some Ppl said life begins @ 50
Thus, I presume young is < 50 

Some Ppl said life begins @ 50
Thus, I presume young is < 50 

But in Affin, I think it is "approved". Let me pay more attention the next time I do it. Ha.