To protect our purchasing power, I would say the forex risk of holding the RM is higher than with holding the SGD. History has proven that, unless you are saying RM will soon recover 'permanently'. Even if 'NR' goes, there will only be a slight peak, then gone again,...

I look at itin two ways :-

1) the gain from the currency appreciation vs the RM.

2) further gains from investing in right asset classes.

Without looking at 2) above, if we plot the SGDMYR=X, we can see that historically, the SGD has gained over the MYR, at the very least, in the medium term. Of course, we should not be selling next week after buying this week,...

Then you add in 2) above, and you can figure out the profits...

Today received the ASW2020 statement ( 2 months plus later after calendar closing on 30-Aug), why so late received.

And, also found that they have separated statement ASW20202 from ASM and AS1M statement,  as few months ago received ASM statement, inside the statement has several columns ASM, ASB2, ASG - Pendidikan, AG - Kesihatan, ASG - Persaraan.

Another question that AS1M already closing the calendar during 30-Sept, until today not yet received the statement.

Isn't that they combine into 1 account number, the statement should have covered all the funds e.g. ASW2020, ASM, AS1M, ASG etc .....

sigh i no bullet now

want to put more

should i withdraw from this FD locked in 6 months to put inside asw?

managed to top-up 5 digits for ASW2020.

congrats

too bad i no bullet now. 

but i very itchy want to withdraw FD to put in asw2020 , scared also no money for emergency...
account is like RM600 left for the rest of the month... hehe

but isn't ASx also can serve as emergency money?

i mean they are liquid right?

ha true also.

Last time my mom wanted to withdraw ASx, the bank officer told her don't sell, better to just withdraw from FD

Emergency money can use Creditcard, no?

Yeah better not touch ASx, as kind of hard to hunt the units, but i remember back then in 2000 something year, i have problem on cash flow, force to withdraw some out of it .... having said that one should not touch ASx, the ideal would be find the money from credit card cash withdrawal, pinjam from kawan, saudara mara, ...... and that is the only 1 withdrawal from ASx, I have done so far......

For rule of thumb, 6 months emergency funds based may be kind of too much................ rule of thumb need the money works hard for us
still remember, during my first 5 years of working, i put in 60% of my monthly income into hired purchased.., every month has to tighten up belt .....

to withdraw some dividend or not? I have this asx since past 10 yrs..never withdraw.. still thinking ..

extra 2% returns, you go calculate.
only problem is hard to buy ASX.

Wondering if i can still walk in ASNB branch and get to open a new account for ASM or ASW2020?

Went to pos office but no units then went to Tiger bank and got some.

xalways only hard copy statement so far. Where start to have soft copy? need to register or request?

Having a lung sum of money but tried AS1M till date always get not more than 5 digits , most also managed get rm2000 once after the dividend pay out.

I've been recommended by bank officer to go for ASG-Kesihatan as the NAK price acording to him is quite low now (0.9840 today) and record low for past 5 years 0.9675 according to fund fact sheet.

Was also offered a 'promo' of sales charge 3.5% instead of usual 5% .

What is your take on this? sounds like a right time to enter? 

appreciate on all comments!