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

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guy3288
post Aug 4 2016, 01:27 PM

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QUOTE(smartinvestor01 @ Aug 4 2016, 11:56 AM)
I am also interested to know.. But i am categorized are the range between 50K-100K..

The second level within your category..

Stagnant at that level for quite sometime..  sweat.gif
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QUOTE(prince_mk @ Aug 4 2016, 12:04 PM)
I m close to 200k but remained stagnant for sometime.

Lately no more bullets into asx co divert them to UT and reits.
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add la 250 -500, 500 -1, 1-2, 2-3, 3-4, but i doubt people will tel u la, most of them very secretive got some, got alot ,5 digit, etc unlike me.
guy3288
post Aug 11 2016, 01:51 PM

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QUOTE(wil-i-am @ Aug 11 2016, 11:44 AM)
I wud predict both ASW 2020 n AS1M will follows ASM @ 6.30%
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6.3% thumbup.gif
guy3288
post Sep 8 2016, 01:52 PM

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all of u printed the Dividends already, enjoyed the return.. just printed 3 books, keyed in all entries + dates into Polarbearz excel file and it showed quite diff IRR (since 2007): 6.17, 6.33 and 6.39% , must be int loss from diff buying dates i guess..
guy3288
post Sep 8 2016, 02:47 PM

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QUOTE(Ramjade @ Sep 8 2016, 01:59 PM)
(i) one is that.
(ii) another one is not buying on the 1st/30tb of every month
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diff to choose only 1st or 3oth.

QUOTE(wil-i-am @ Sep 8 2016, 02:12 PM)
I supposed the main driver is u top up other than 1st of every mth
Btw, u didn't top up?
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yeah the loss can be quite significant.
no didnt top up target sudah exceeded.


QUOTE(cheahcw2003 @ Sep 8 2016, 02:14 PM)
the most enjoyable moment is to see your fund grow from the dividend compounded mechanism.
When applying loan, banks take the seed as net worth and the dividend as yearly non-taxable incomes.
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see it grow at the end children enjoy.... bank loans not in my book many years already.
guy3288
post Sep 10 2016, 01:28 AM

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QUOTE(tonytyk @ Sep 9 2016, 10:23 PM)
Sure or not, can top up 7 figures?
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who topped up RM1,000,000 per day? manyak kaya lo...
guy3288
post Sep 10 2016, 10:41 PM

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QUOTE(OPT @ Sep 10 2016, 10:35 AM)
Example saja...and I don't mean every day, total sum need to top up

5-7 figure...mana tau, me not them mar, who knows. Here many UHNWI leh
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if total amount 7 fig i think there would be many inhere.
guy3288
post Sep 14 2016, 09:33 AM

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QUOTE(wil-i-am @ Sep 11 2016, 08:24 AM)
By default, they will look at U  tongue.gif
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put in many books, no so obvious lo.
guy3288
post Sep 14 2016, 09:46 AM

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QUOTE(tonytyk @ Sep 14 2016, 09:43 AM)
7 digits for each of the books 😀
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thenmust have 16million at least!
guy3288
post Sep 16 2016, 12:53 PM

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QUOTE(Ancient-XinG- @ Sep 15 2016, 05:43 PM)
Welcome to the club!
Migrate more from FD brows.gif
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QUOTE(bbgoat @ Sep 15 2016, 06:02 PM)
Have to ask the regulars here. Have not got over getting the 3 passbooks yet.  tongue.gif
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can see how happy you finally come here.
actually i was wondering why you didnt come earlier.
the difference is really huge, for every Million you can lose some RM20k a year

QUOTE(Ramjade @ Sep 15 2016, 06:40 PM)
That one is main rejection script everywhere.. When pressed more, actually can open. whistling.gif
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true, actually can open if you insists


QUOTE(bbgoat @ Sep 15 2016, 06:27 PM)
Shxx ! Looking at my ASG passbook after the update yesterday, lose about 6.7% after 2 years !  doh.gif
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yeah UT is no joke can lose money, same goes for stocks, i never really make money there.

QUOTE(twinkle5129 @ Sep 15 2016, 06:38 PM)
Majority inside FP & dividend stocks now. Still have some FDs at Affin 4.3% & HLB 4.25%.
Can survive with dividends from stocks without touching FP dividends.
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this one attracts my interest. can share what stocks you have?
i have some 200k stocks- 'poor' dividends(compared to purchase cost) <4%
You manage to get 8%pa dividend over your cost of purchase?




guy3288
post Sep 17 2016, 12:16 AM

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QUOTE(Vincent9696 @ Sep 16 2016, 12:57 PM)

So far my dividend was 5-7% , but not to forget it have price appreciation in future.
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yeah price go up happy, down also can happen.

QUOTE(Ramjade @ Sep 16 2016, 01:15 PM)
Can check out dividend magic blog. He list out some nice stocks which give good divdends or ask Hansel for tips for international stocks. smile.gif
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i usually buy out of urge, have to learn how to do the so called "due diligence"

QUOTE(Ramjade @ Sep 16 2016, 01:41 PM)
Not true. Auntie twinkle did all that in one month. But she visit affin bank everyday. 3x/day like that.
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to get 1 M in one month is really a feat.

QUOTE(twinkle5129 @ Sep 16 2016, 03:25 PM)

I don't set high target, as long as the return is better than FD.

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say at 6% dividend, then must have >RM500k in stocks to get RM3000 monthly.
You sure put alot of money in stocks.... sweat.gif sweat.gif
guy3288
post Sep 23 2016, 03:34 PM

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wow, so many FD kakis showing new interests in here,.... feel like joining in
the heats also..........
guy3288
post Sep 23 2016, 09:10 PM

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QUOTE(bbgoat @ Sep 23 2016, 04:01 PM)
Have been admiring your ASNB passbooks shown here. Have not been topping up ?
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seeing u also come i might restart my topping up again.
guy3288
post Sep 28 2016, 03:48 PM

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wah more people are coming in here now......., join in also la i got 10k ASW.
guy3288
post Sep 29 2016, 04:33 PM

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went to collect my book, they said sorry morning line unstable (?or forgot to do), luckily last minuet try still can get 10k ASW. tomorrow pm will take back my book. as monday is PH and if Tue 4.10.16 ;will lose interest 26days right?
me learning from wiliam now...
guy3288
post Sep 29 2016, 05:01 PM

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previously i just hantam only dont care lose interest, now i want to be like wiliam, buy on 1st or last few days only......balance keep in GIA
guy3288
post Oct 2 2016, 07:34 PM

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QUOTE(Vincent9696 @ Oct 2 2016, 07:18 PM)
55% also a big portion
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yes that % applies only to big earners.
guy3288
post Oct 4 2016, 09:20 AM

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QUOTE(bbgoat @ Oct 4 2016, 08:52 AM)
I still treat this FP as UT.  biggrin.gif
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i dont quite understand you there. no doubt ASX is UT, but unlike your normal UT, this one any time you can withdraw
and you get back your cost, at most lose 1 month interest only.

FDs you take out early, you are likely to lose more. Normal UT take out may not get back even cost.

having said that, i am also same like you (in FD FP portions), but for another reason.

This post has been edited by guy3288: Oct 4 2016, 09:22 AM
guy3288
post Oct 14 2016, 08:51 AM

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QUOTE(AIYH @ Oct 14 2016, 12:26 AM)

Highest level emergency fund : eGIA as you can uplift everyday (including weekend and PH) from 6am to 10pm
Comment : Very liquid

Medium level emergency fund : FP Asx as they gave high dividend but only can sell during working days and office hour at the moment (unless online platform change the landscape :lol)
Comment : Traditional liquid (OTC withdrawal)

Lowest level emergency fund : RHB islamic bond fund as they provide consistent higher return (historical) than Asx FP dividend, provided you can take a bit risk and can forgo the FD's PIDM capital guarantee concept.
Comment : Need few days to receive the fund, and the amount invested need to be put at least a year to avoid redemption charge
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The most urgent need for emergency money is usually health related, eg for private hospital deposit fee.
Credit card would be Number 1, in your pocket anytime.

Urgent hard cold cash? i wonder in what scenario will it be needed urgently nowadays...
even kidnapper also will give you time..

Money in UT or even bonds should not be emergency fund at all, not even the lowest level,
as you are likely to lose out selling to get hurried money.
guy3288
post Oct 14 2016, 09:00 AM

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QUOTE(Ramjade @ Oct 14 2016, 08:53 AM)
Car break down?
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Still can use credit card i think. most workshop accepts card, esp for major repairs.
If need to pay cash on the spot ,repair is usually minor, that should be available in pocket.
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