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

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heavensea
post Oct 6 2016, 12:34 AM

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QUOTE(twinkle5129 @ Oct 5 2016, 05:29 PM)
You can get them on 3/4/17 and 'lost' on 1 month dividend.
Congrats. But more details la...
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Lost 1 month dividens? Why?
heavensea
post Oct 6 2016, 01:48 AM

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QUOTE(Ramjade @ Oct 6 2016, 01:06 AM)
Cause 3/4 is not the lowest amount of the month if you were to topup on 3/4. The lowest amount of the month would be on 1/4 which is a holiday. So any amount topup after the 1st won't be counted.
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sad.gif not given pro rated ya..
heavensea
post Oct 6 2016, 03:13 PM

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QUOTE(twinkle5129 @ Oct 6 2016, 02:37 PM)
rclxms.gif  rclxms.gif  rclxms.gif Thanks for sharing!!
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Good news everyone!

Now also can online transaction but charged rm1 for each try?
heavensea
post Oct 6 2016, 05:08 PM

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Hi all, today got 4k in AS1M at last minute top up. (3.45pm)

heavensea
post Oct 6 2016, 05:13 PM

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QUOTE(twinkle5129 @ Oct 6 2016, 05:13 PM)
thumbsup.gif
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thanks aunt biggrin.gif

heavensea
post Oct 6 2016, 07:24 PM

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QUOTE(bbgoat @ Oct 6 2016, 06:43 PM)
Just for sharing, happy happy together and motivation to some of the guys.  thumbup.gif

Most I got today is ASM, then ASW, last AS1M. Intentionally clipped AS1M:

First one is AS1M, then ASM and ASW:

[attachmentid=7698555]

[attachmentid=7698602]

[attachmentid=7698573]
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ohmy.gif notworthy.gif

I started this few weeks ago, hopefully can achieved half of yours before 32 yo.. blush.gif

This post has been edited by heavensea: Oct 6 2016, 07:25 PM
heavensea
post Oct 6 2016, 07:35 PM

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QUOTE(nexona88 @ Oct 6 2016, 06:57 PM)
u really broke record lor..

12 forms yo  sweat.gif  I normally maximum also 3 or 4 only blush.gif
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few weeks ago I tried 4 times a day at the same bank, got total 1200 only biggrin.gif

a female teller at mbb very helpful blush.gif
top up my largest amount (so far) with her help nod.gif

Rhb (a branch of my outstation city), the ppl who giving customer number "terus halau" me said their system down (CIMB show me the same face). However the Rhb at kt is good and helpful. It depends on staff instead of banks imo.

This post has been edited by heavensea: Oct 6 2016, 07:36 PM
heavensea
post Oct 6 2016, 07:38 PM

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QUOTE(bbgoat @ Oct 6 2016, 07:33 PM)
Today's catch:

ASM 51k
ASW 27k
AS1M 25k

Could got more AS1M but asked the teller to limit it.  biggrin.gif
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any tips to top up such large amount?
directly ask for 20-30k for once try?

the ppl (who most helpful so far) help me try 5k for each time, she said 5 digits would be consuming time+hard to get.
heavensea
post Oct 6 2016, 08:03 PM

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QUOTE(nexona88 @ Oct 6 2016, 08:00 PM)
Since MBB is helpful, u better off going there..
At least u can get some units rclxms.gif
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yup, everyday I'll go at last minute (3.45) and tried once for 3 books. From 5k till 1k. Hugely depends on luck. sweat.gif

ask her can I park my asnb books over there but she said nope blush.gif

This post has been edited by heavensea: Oct 6 2016, 08:04 PM
heavensea
post Oct 6 2016, 09:29 PM

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Hi guys,

is it logical/wise for non bumi to take ASB loan (200k, tenure repay 30 years) to invest into ASW, ASM, AS1M? (return is around 6% only..)


heavensea
post Oct 6 2016, 09:30 PM

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QUOTE(tonytyk @ Oct 6 2016, 09:21 PM)
Fd king will also soon become Fp king smile.gif
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manyak fd kakis migrate into fp cool2.gif
heavensea
post Oct 6 2016, 09:34 PM

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QUOTE(nexona88 @ Oct 6 2016, 09:31 PM)
ASB loans for bumi only.. And only for ASB fund..
U cannot use for others fund blush.gif
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thanks beroww,
now I am so awkward:blush: blush.gif blush.gif
luckily I didn't open a topic out there sweat.gif
heavensea
post Oct 9 2016, 04:38 PM

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updates,
today be able to top up total 10k. (at pantai timur) All done by last minute 3.5xpm biggrin.gif


heavensea
post Oct 9 2016, 04:41 PM

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QUOTE(OPT @ Oct 9 2016, 09:40 AM)
All 3 similar...no need to think so much
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agreed, as long as dapat units = syukur ad notworthy.gif

btw, intially hard to get units.. but now no bullets to top up ad rolleyes.gif
heavensea
post Oct 9 2016, 04:42 PM

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QUOTE(Ramjade @ Oct 8 2016, 06:24 PM)
Yup. The trick is tell them you want topup xxx amount for ASW2020. Don't show them your other book. Once you get what you want for ASW2020, produce your book which you want to withdraw from.

If they ask source of income before hand, you cannot use this trick. This was the trick I used to used to contra ASG to ASW2020.
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good trick.. asg is unit trust bruce.gif
heavensea
post Oct 9 2016, 04:54 PM

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QUOTE(nexona88 @ Oct 9 2016, 04:43 PM)
which fund?

and which state?  icon_rolleyes.gif

anyhow congratz  rclxms.gif  thumbsup.gif
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thanks bro, it's at kt again.

AS1M 8
ASW 1
ASM 1

its' small amounts but largest (in single day) for me since I started invest in asnb. blush.gif

can't forget how hard for me to "open" 3 new accounts and those small amounts of top up in ASW.. sweat.gif
heavensea
post Oct 9 2016, 04:59 PM

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QUOTE(Ramjade @ Oct 9 2016, 04:55 PM)
A poor non performing unit trust. sad.gif
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remembered I was trying to buy this before? and you fortunately you told me it's a unit trust so I didn't naik kereta and change my boat into "real fp funds".. thanks bro notworthy.gif
but many aunt unker naik this ASG because of the ridiculous high interest rate of FD that bound with the ASG package...
heavensea
post Oct 9 2016, 05:00 PM

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QUOTE(Ancient-XinG- @ Oct 9 2016, 04:56 PM)
doh.gif

Every things we discuss here us UT.
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sry what I trying to say is variable price funds hehe blush.gif
heavensea
post Oct 9 2016, 05:24 PM

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QUOTE(plumberly @ Oct 9 2016, 05:01 PM)
My 2 cents here as some are wandering which ASX to hunt for.

Rather than on gut feel, look at past performance and then throw your money at it! Ha.

[attachmentid=7727266]

AA First graph

To me, the 3 ASX are about the same visually.

What stands out for me is, these ASX were BETTER than EPF till the last 2 years.
BB Second graph

Standard deviation is a measure of variation/dispersion. Std/avg gives a better comparison.

For the past 6 years return averages, the order is

ASW
ASM
AS1M
EPF

In terms of variation, EPF & ASW have the highest, then ASM & AS1M.

Using std/avg comparison, EPF and ASW are the worst, then ASM and AS1M is the most consistent one.
So, if you want highest return, go for ASW. If you want consistency go for AS1M. Ha.

P/S  I am not liable for your decision based on the above analysis! Ha.

Cheerio.
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very very well studies / analysis... thumbup.gif
no wonder it's so hard top in ASW bangwall.gif
heavensea
post Oct 10 2016, 05:56 AM

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QUOTE(nexona88 @ Oct 9 2016, 11:07 PM)
better change because now have new account number.

previously I change in Maybank. so can change at agents banks too  icon_rolleyes.gif
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I just got my passbook/account number by this year, I don't have to change right? But how about ppl who got it few years ago?

This post has been edited by heavensea: Oct 10 2016, 05:57 AM

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