Wait till next week. See if can get more FP units !

High 5 !! Or 6 ?? Give chance to some of us.

Auntie ikan besar ! Persistent !

TQIA !

Have to plan my strategy for 4/10. What to do, terminate FD, RENTAS over, buy buy then place FD juga. Few banks to go to ! Then 5/10 MBB again ! Wa, too much work to do !

Instead of money work for us. We have to work for the money !

Still placing for FD juga.

This post has been edited by bbgoat: Sep 26 2016, 05:12 PM

Not too big, just big enough for me.

Have been adjusting the figure upwards for ASNB FP, lowering amt for FD. Hopefully by 4/10, not all for the FP !

Next week may have to go to the banks few days if cannot finish the dough in hand within 1 day for the FP funds. But lazy me will not do so many trips in 1 day.

How was it like ? For AS1M, some may sell on the first day say 4/10 and some may sell over the following few days ? But for other FP,may be difficult to get, just have to try. Planning to buy say x00k units within few days.

I think will try AS1M first with larger amt. Then the other 2 books. Assuming some people will sell after receiving dividends. May have to lower down my expectation if cannot get the x00k units within few days. Just move to 4% FD.

I am trying to settle my target in Oct, if not by Nov. Then like auntie, just watching the dividends coming in.

Anyway I think the pie is big enough for all to share.

Also trying to see any retail bonds that I can buy.

This post has been edited by bbgoat: Sep 26 2016, 07:31 PM

Some people just simply say about PB. Don't see how it will help. RM not interested in ASNB UT more over FP. Affin no PB program.

Bond wise have to choose carefully. Starting to learn. Have asked @guy3288 and he has given me some info. Last time told RM just interested with FD. Have checked with CIMB RM on bonds issued by banks. She told me about CIMB one with return 5.8% but have to check other hidden costs.

x=1, can ?

This post has been edited by bbgoat: Sep 26 2016, 10:29 PM

The x may even be 0.1 ........0.9. Tricky maths.

But some banks has fixed counter for ASNB purchase, right ? Some may just be no queue number needed (like HL PB), some may just be queue button for PB customer etc. So may not work for some banks.

Like Affin has no PB program. I was thinking of using Affin as they seems to be more helpful on this ASNB FP. CIMB is another one which I has RM. AmBank (just started on ASNB) RM told me they are not really interested in doing ASNB funds.

I think more important is the relationship with the people in the bank.

I guess I would not leverage too much on this PB. Affin branch already know me pretty well. No PB program there. But treated rather well there. Too much deposit there when they have the 4.5% FD. Should have moved some to ASNB FP fund if I have known it earlier.

Going forward, other funds may have similar or even lower performance. The 6.1% still considered to be good in today's climate.

Just for my info, what was the declared dividend for ASW in Aug 2016 ?

From the past history, ASW is just slightly lower than AS1M. Maybe except this year.

This post has been edited by bbgoat: Sep 27 2016, 08:30 PM

Agreed UHNWI !

So admit to be HNWI or UHNWI ?

Thanks !

I think still good enough. Not just from FD standpoint but even compared with other UT, bonds, FRNID/Klibor (5% that I mentioned yesterday) etc.

I only know HNWI and UHNWI. U research so much. OK, VHNWI ?

OK, HNWI !

I was non believer before. Turned back by RHB and MBB few times, said cannot open new acct. But I was able to open all 3 FP acct with single try.

So go and try it out as some of the sifu suggested.

The pie is huge enough to take care of all. I just taking a tiny bite.

Ya, learned something new of the definition.

Malaysia wise, don't think there is one. Cannot use RM to replace the USD ? Many would have got "upgrades".

This post has been edited by bbgoat: Sep 28 2016, 11:59 AM

Actually should be
HNWI - investible or liquid assets more than USD1 mil

not counting current property owned/stayed.

This post has been edited by bbgoat: Sep 28 2016, 12:06 PM