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

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wil-i-am
post Oct 10 2016, 02:10 PM

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QUOTE(audy @ Oct 10 2016, 01:55 PM)
Does anyone know how much is the fee to get a passbook replaced and can it be done at the agent outlets?
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It's free n can b done at agent outlets subject to availability of passbooks
wil-i-am
post Oct 10 2016, 02:20 PM

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QUOTE(audy @ Oct 10 2016, 02:12 PM)
Good to know it is free.  My brother lost his and was told must go to ASNB to get a replacement book.
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If I'm not wrong, they will imposed a nominal fees if it's lost
wil-i-am
post Oct 11 2016, 08:54 AM

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QUOTE(tonytyk @ Oct 10 2016, 10:33 PM)
CIMB and RHB can top up online for all 3 ASX but Mbb and Affin only AS1m?
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I know CIMB allow ASW/ASM/AS1M n Maybank allow AS1M ony
The rest I'm not sure
wil-i-am
post Oct 11 2016, 09:08 AM

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QUOTE(filage @ Oct 11 2016, 12:30 AM)
Has there been info regarding they going to do new online system?
Is it insider info or public info?
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Not tat I know of
wil-i-am
post Oct 11 2016, 05:20 PM

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QUOTE(tonytyk @ Oct 11 2016, 03:36 PM)
Yes, not Otc but got 500 from online topup
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At least u get some
Anyway, continue to try n dun give up
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?
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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?
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
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
wil-i-am
post Oct 12 2016, 10:00 AM

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QUOTE(Kamen Rider @ Oct 12 2016, 09:52 AM)
I hesitate to pay 1.06 , understand this will be charged regardless of getting the units or not
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Yes, u r rite
wil-i-am
post Oct 12 2016, 04:35 PM

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QUOTE(anzen600 @ Oct 12 2016, 01:46 PM)
Aiseh lucky 2day, manage to topup 5 digits for as1m in one go nia..
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Congrats
U managed to get via single or multiple transactions?
wil-i-am
post Oct 12 2016, 06:31 PM

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QUOTE(Vincent9696 @ Oct 12 2016, 05:53 PM)
Lol...my asw is double of the amount asm...cant rebalance the weightage anymore...
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Can, if u sell ASW tongue.gif
wil-i-am
post Oct 13 2016, 09:38 AM

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QUOTE(Vincent9696 @ Oct 12 2016, 08:24 PM)
No target , just follow heart...
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If follow heart, I presume u have unlimited digits
wil-i-am
post Oct 13 2016, 02:06 PM

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QUOTE(tonytyk @ Oct 13 2016, 07:14 AM)
All eggs in one basket?
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Y not if u blif in ASNB/PNB
wil-i-am
post Oct 13 2016, 03:08 PM

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QUOTE(heavensea @ Oct 13 2016, 02:50 PM)
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..
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I presume different Ppl have their own risk appetite
wil-i-am
post Oct 13 2016, 11:48 PM

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QUOTE(alexanderclz @ Oct 13 2016, 11:31 PM)
same issue. dunno why.
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Did u call CIMB CS to clarify?
wil-i-am
post Oct 14 2016, 12:04 AM

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QUOTE(Ramjade @ Oct 13 2016, 11:56 PM)
Sure or not? Can withdraw any amount during office hours. Money available on the spot. Want 6 digit also no problem as long as got bank account.

Any UT can match that? Yeah not as liquid as eGIA-i as not available on weekends but it is as liquid as FDs. For FDs you still need to visit banks.
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Some banks allow uplift of expired FD via online
wil-i-am
post Oct 14 2016, 12:12 AM

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QUOTE(Ramjade @ Oct 14 2016, 12:06 AM)
If your money >rm30-50k, how to uplift transfer it out online? Still need to visit bank whistling.gif
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U can transfer via IBFT function
wil-i-am
post Oct 14 2016, 12:29 AM

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QUOTE(heavensea @ Oct 14 2016, 12:03 AM)
1.06 charged for per tried? What online banking you're using?
What amount is "logical" input for each try?
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Yes, banks will imposed RM1.06 per try regardless of whether your application is successful or not
wil-i-am
post Oct 14 2016, 11:47 AM

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QUOTE(AIYH @ Oct 14 2016, 08:58 AM)
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).
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Take note tat both Maybank GIA-i n ASx FP funds is not capital guarantee

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