Hello! Hello! Auntie twinkle here! Been busy doing different type of hunting while waiting for 1/9/16.

I've just uplifted my 1 month Affin FDs with just enough interest return for a meal at Rakuzen and re routed them to my investment bank. I didn't try to check if any ASW2020 available as don't want to be 'disappointed'

Auntie twinkle will be hunting for just 1 day- 1/9/16 and only 5 digits. If none, it's ok with me as it's an extra stress free 'saving' for me. This is my 3rd revised target up limit. No more further hunting days after this date unless to help others as the balance $$ will go back to wait for opportunities.

With more prediction of lower OPR, I've reduced my recent Fds too and rerouted them back for investment. Luckily I had worked very 'hard' hunting for those units in May & June. From Sept 2nd onward, my focus is back to my other part time 'hunting' which keep my early retirement phase busy but will help to diversify my retirement income returns.
Cash may be THE KING but it's useless when the value keep dropping and unable to catch up with current inflation. Hopefully ASX FPs dividend can give some 'comfort' to those hard earned $$.

Good luck for those hunting for ASW2020 next week. I'll be 'watching' to read everyone's happy update next week.

This post has been edited by twinkle5129: Aug 25 2016, 10:22 PM

My ASW2020 is soon celebrating 20years anniversary this year without any withdrawal. I think it'll stay there for the beneficiary in my PA as I don't see any need to utilize any $$ from all 3 ASX accounts.


Better learn a lesson from Auntie twinkle who had been burnt and scammed by many agents and banks staffs over 20yrs. ASX FPS are better than any investment linked saving/ so called endowment plans/ unit trusts linked stuff. (My XXX insurance stuff product is maturing next year but the projected returns is not what I was told 19yrs ago! The only time I'll get my benefit is when I'm 6 feet underground during this tenure).

This post has been edited by twinkle5129: Aug 25 2016, 10:23 PM

Congrats.


Auntie twinkle will only top up a bit to 'tidy up' the total number. Hopefully 30 mins to 1 hour camping is enough.

Advantages for those with personal connection.

Very happy as long as it's above 5% and above current Fd.

As by today, I'd say my ASW top up plan is subject to changes as I may lock the $$ at dividend stocks with capital appreciation. (if I'm lucky).

Placing in ASX FP is a 12mths commitment. Dividend stocks are a good alternative for regular 3-6mths returns.

Still have some tiny % in FDs with Affin & HLB maturing next year but will not touch it now as it was locked in at decent rate.

Will know by Monday if i'm joining the mass hunters/ huntresses on 1/9/16.

Setting a lower expectation target is 100% better.

If you set higher rate, a lower rate will make you

Anything above 5% is really a bonus already and you will

I have too much of ASM, AS1M & ASW now. Maybe I should just 'play' with the rest of $$ now.....

I had same issues at ASNB. The printing was supposed to be at 3rd page but ended up at page 15th.. She just re adjusted the page and re print again. I wonder if the pages were flipped automatically or human error.

My local AFFin's ASNB printer was upgraded last month but the printing was problematic as it was misaligned all the time but total amount is still correct as long as it's good in the system. Will check if it has improved next week.

This post has been edited by twinkle5129: Aug 30 2016, 07:25 PM

Will see by next year dividend date. Will keep AS1M for now as it's <ASW & ASM. It's difficult to try to buy ASW and sell ASM at AFFIn on same day as max transaction at the moment is 10k. Hopefully they get FULL license by Sept and increase the selling quota.


More happy news for my my shopping days.

This post has been edited by twinkle5129: Aug 30 2016, 07:32 PM

I'll check again when I drop by Affin.

Not worry about any risk yet. Trying to diversify to dividend stocks.


Just checked, ex dividends Oct 1st 2016- Sat for As1m, April 1st 2017- Sat for ASM. So no point trying to move from 1 account to another on the ex dividend date.

This post has been edited by twinkle5129: Aug 31 2016, 09:37 AM

Auntie twinkle is still 50% joining the hunt. Probably just a trip without camping.
If no ASW units available, will update passbooks & hunt something else.

Good luck everyone.

Hit TARGET!!

Planned to 'tidy' up balance but ended up reached my 3rd TARGET!

I think there are lots of ASW & AS1M available right now as other customers also managed to top up AS1M again and again...

By the way, My expected 'dividends' calculation is near accurate.

This post has been edited by twinkle5129: Sep 1 2016, 12:58 PM

I totally agree! those who needs ASW, better rush to banks/ ASNB today.

Best of luck!

I was actually surprised to see AS1M available as ex dividend date is due soon.

This is SHOCKING! Bank staffs in general are less helpful but keep trying at ASNB. Take different numbers and avoid the same counter staff.

yes, take few numbers. I took max 8 numbers in 1 day but the staff are very nice and just asked me to keep re Q later.
If your number is due for her counter, just avoid going to her and skip to few more later. Don't give up. Just ask her to check if sufficient 100u available to open account. If you're still there, continue and don't leave until you can open the 3 accounts.

This post has been edited by twinkle5129: Sep 1 2016, 01:40 PM

try other banks!


You look HAPPY!! Congrats.

MY own ASX top up days are FINALLY over!!!

Is there any Affin bank nearby? they're less busy. I also learnt from the contributors here and must share my little experiences too. Just ask them to to try and check for 100u as it might be easier to 'test' at bank.




I was hesitating to try also as not feeling well today but decided to brave myself to drive out. Luckily I got ASW in one trip with no camping,

It's the BEST treatment when one is not well!

Must be total of 6 digits today.

Only need 5 digits to balance my FINAL FINAL target limit this time.

Are you topping up too?