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.

Sit at ASNB/ Affin for 1 hour and try 2-3x, every 15-30min. If you're at ASNB, don't leave until you keep re trying. If many people, take Q number every 10- 15mins, again and again. Bring your book/ lap top to browse. While waiting for units to open account, try and do top up for your ASW/ red book.

All luck & timing. I sat at ASNB, re Q 6-8x for nearly 3 hours trying, just for 100u to open 3 passbooks.

I've extra units of AS1M & ASM too but most probably will let them hibernate inside.
I don't need $$ now as my KLSE 'turtle' stocks are doing quite well.

This post has been edited by twinkle5129: Sep 22 2016, 07:44 AM

You should try whenever your's free. Bring all your passbooks and tell the bank staff to try whichever is available for top up. For AS1M, try on 4/10. Meanwhile try again to open ASM with 100u and try top up ASW.

Some of my local banks (CIMB & Maybank) set this 1 time 'check' per Q number. If you asked for 5000, if none, they'll not retry lower amount. I avoided these banks and stick to other more helpful bank.

This post has been edited by twinkle5129: Sep 22 2016, 02:40 PM

Congrats for getting all 3 passbooks now. Now it'll be up to timing and luck. With FD rate dropping, I guess many savers are 'hunting' at the same time and not many willing to sell their units now.
If you happen to be around ASNB, Shah Alam, do avoid Mon & Friday as they're super crowded.
If you find a helpful bank staff, just keep visiting and give a big smile and thank you every time you drop by.

I'm sure you'll be able to get some as long as you keep trying.

If you're in KT, just stick to RHB as you have a saving account with them and the staff are helpful. IF ASNB is close by, you can try your luck alternately.
Don't forget, 'shyness can ruin many good opportunities'.

I've always thought that you can only get dividend if you hold on to it until ex dividend date similar to 1 year FD maturity date..

This post has been edited by twinkle5129: Sep 26 2016, 01:20 PM

Luckily I stumbled upon this forum at the right time as I was looking for alternative placement for my matured FDs.
The harder you work, the luckier you get.


My 2 months of ' merry go round' few banks, multiple trips/ day now are paying off 1 by one on dividend date.

I will drop by bank next week too...but update passbooks only. No plan to transfer any more $ into ASX.

Just bring your 3 passbooks and ask the teller to try on any of it if you have no special preferences or limit set/ book.

Glad, my 'hunting' days are officially over. Scary, thinking of the stiffer competition now with lowered OPR.

Auntie twinkle is still very happy with 6.1 c compare to FD rate.

Uplifted a newly placed FD in May/ June to transfer to ASX FP, for 4mths 'placement' in, the return is still consider very good.

Luckily my ASM & ASW > AS1M.

Wait for next stock market crash to get cheaper ASG later on.


As long as sufficient 100 units available, the counter staff will help to open new account for you. If still insufficient units available, just re Q again 15mins- 30mins later again and again until you get your passbooks.
Avoid Mon & Friday as ASNB Shah Alam is packed on both days.

Are you still retaining your AS1M after this dividend? I'm never going into any VP funds as I've my own little baskets to play with.

This post has been edited by twinkle5129: Sep 27 2016, 09:23 PM

I'll still keep all my ASx FP as long as dividend above FD rate. The latest AS1M dividend is within my expectation.
Time to reward myself with a gift!

Follow my previous posts. I've managed to open accounts for everyone at ASNB, Shah Alam. Just spend 1-3hrs sitting there, Q & re Q. Be patience for availability.

I'll still top up AS1M if it's the easiest to get. As long as we're under the current government, all funds including EPF, ASX Fp (ASM & ASW) dividend may drop in 2017 too. As long as it's above FD, I'm already thankful.

This post has been edited by twinkle5129: Sep 28 2016, 09:22 AM

The ASNB , SA staff are nice to me and don't mind as long as I re Q again. The fastest wait was 20 mins (Q 1x), the worst was 3hrs (6-8x re Q for ASW).

Stick to Affin bank and start from tomorrow with ASM & ASW. IF your IBFT max limit/day 50k, make sure all your 6-7 digits are ready in the account to 'gobble' down all the units by tomorrow and next week.
It's better to sit in the bank/ multiple visits unless you've 'connection'.


I guess, tomorrow is your top up day too. Are you aiming for specific account or any of 3?


For me, the process doesn't take long. My bank staff will just shout across to bank manager once he hits certain target. Just need to sign 'declaration' form once transactions successful. Usually I'm the only customer in the bank.

This post has been edited by twinkle5129: Sep 29 2016, 07:00 PM

I remembered ASNB charge $10 to replace lost passbook and could only be done in ASNB. When I was there few mths ago, I've witnessed many investors came in to replace lost passbooks.

Majority Affin banks are quieter and the staff are more willing to help. Try the one nearest to your home/ office.

This post has been edited by twinkle5129: Sep 30 2016, 07:32 AM

Just be careful if you're carrying CASH. Although I used to have habits of carrying cash from 1 place to another.

My local post Office (KK) usually super packed, waiting time 1-21/2 hours. Last week, I was there for Road tax and asked the lady staff on ASX FP top up. Apparently this branch system is not updated yet and unable to perform any ASNB transaction at the moment.
Make sure, you check your post office ASNB availability 1st before you start queuing.

This post has been edited by twinkle5129: Sep 30 2016, 04:18 PM