Sorry as this will b out of the topic.. i need some advise from all the taiko here.. should i get a property by this year?? As some ppl say it wont drop, some say should wait.. Plan to buy a landed house..

All timing and luck. Auntie twinkle regularly shared every successful top up here. 4-6 trips, 3 banks in 1 day as I had to move the few 'bricks' from stagnant FD. Easier with 3 passbooks as somehow, always managed to get 1 or 2 of them in one day. Once I set my mind to do something, I'll do my best to accomplish it.
With multiple trips to many banks, everyday was a successful day, range from 3 to 5 digits.
I managed to hit 1st and 2nd target for ASM, AS1M & ASW  within 10 days to 21 days in May itself- all 6 digits. It'd be impossible to just wait for end of the month or 1st of the month. You can try multiple 5 digits > 50k / day but with luck and timing. Yes, majority bank staff and PNB do question on my $$ and they get to hear my working life. I don't see anything to worry as $$ was repatriated back from my previous workplace to my local bank in proper manner.

Looks like quite a number of UHNWI has 7 digits accumulated fund for  FP ASX units

  Both of us 'worked' very hard and got quite a bit at the same time. Now, no need to compete with you anymore.

Have you uplifted your FD to switch to FP? I uplifted some on 1/9/16 as it was done in same bank. Once they hit my target, I uplifted one of my 1 mth old (1yr- 4.3% FD).
It's still ok as average after cutting 'lost' is still >5% minimum vs FD. Last May & June, I did the same to some of my 2 weeks old FD as it seems easier to lock in units.

Majority all bank staffs only know how to say 'no quota' than insufficient units. Just ask them to try 100u ASM & 100u AS1M tomorrow. Once you can get it , ask for top up. If no units yet, try and top up ASW at the same time. Hopefully you can get a nice staff to help you. Say thank you with a smile even if you fail to get it.

My original place that I topup is maybank and cimb bukit tinggi, post office in klang town near bus station.
I never go to asnb before. All my topup is at the place mentioned above.
Success rate is not certain. It all depends on availability of units. Like nexona said higher chance before holidays, major festival, after dividend date.
Read the last 5 pages + first page and you are good to go.

OPT you better hurry and topup. All FD people slowly invading ASNB thread liao.

You tried which book? Asm got 5 figures.

4/10 is a 'Hot Day' for everyone

IBFT is method of transfer money la.  :confused:  You have the cheap and slow IBG(Rm0.11), the instant and pricey IBFT (RM0.53)
Once money in savings account, you can just contra.

No need wait for GIA matured. Go try at bank where you have SA. Eg RM10k dapat. Uplift Rm10k from eGIA > Maybank SA > IBFT > Bank ABC which you have SA > tell the worker nak contra

I thought close 27 branch is old news?  :confused:

lol haha I got you now! 
thanks for teaching, next time I can try at bank (which I've saving account)

I "dare dare" ask for 5 digits first, if they got units then I take out my phone and do all transaction in front of counter 

My AS1M only 4 digit. If ASW2020 and ASM next year 6.1 also... 
Btw, isn't AS1M always the non performing one compare to the other 2?   

Decided to stop at 4 digit as past performance of AS1M have not been encouraging. Now if ASM and ASW2020 also give out the same dividend as AS1M, then   

Not sold by ASNB. See their returns also want to make me 
Maybe if my dividends are high enough just nibble out RM1-2k/year and bring it some where? After all, cheahcw2003 did say that RHB Islamic Bond Fund (UT with 0% SC if bought via FSM) gives 7.x% yearly without fail for 10 years+ already.

I know you are anti UT but since this is free, might be worth a look for you.

Yes, RHB Islamic Bond have 10 years annualized return 7% as per fund fact:

https://www.fundsupermart.com.my/main/fundi...d-Fund-MYRHBIBF

You just need to be aware that the fund is advised to be invested at least a year to avoid the 1% redemption charge

otherwise this fund has neither any sales charge nor any platform fee 

Spot on 
UHNWI bz searching for investments

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 ?

I learn new stuff tis morning

I was not supposed to kacau here, but couldn't resist 
If you dig back the history of distribution, it was much higher last time, particularly during financial crisis-es
Why so? Very simple
Interest rate used to be a lot higher, like double digits. So if these FP funds doesn't pay above interest rate they may risk a huge withdrawal which would be detrimental to the 'national interest'
If you look at the top holdings of these funds, they are mainly large cap stocks. So benchmark it with other large cap local funds and you would get an idea of how much you would get
Basically the distribution rate is also indicating to me that EPF dividend this year should be lower as well
2011 negative is due to defaulted bond, which is something that can happen to a bond fund. At that point the fund size is also rather small so when 1 bond defaulted it would have significant impact to the fund value. The fund has grown quite a bit since then. Islamic bonds did well this year due to a few factors, one of which is the demand from EPF Shariah compliant fund, oh and also reduction in OPR. So if November rate drop again, then bond will go up somemore

Hop over to the FSM thread, there's a lot of other meaningful discussion on what to buy, when to buy and how many % in a portfolio to buy for each fund

Only know HNWI & UHNWI..
Others I don't know

BTW this for US, how about Malaysia standard??