But the condition now is different. Last time whole of SEA. Now it's just malaysia, indon, Philippines. Malaysian and indons are best buddies and Philippines is caused by their president.

Next, debt is fast approaching the self imposed limit.

Then there's 1xxx.

I beg to differ. Look at what happen to SGD. Economy data show improvement, it appreciate to 3.1532 against the MYR straight away despite money changer putting the price at 3.123. AUD hitting all time high against RM also. Even the beat up GBP also appreciate against MYR.

For now, I stop topping up anything related to MY whether it's ASX FP, FSM MY. See first if really needed. But planning to do it if situation become worse.

First, there are limited units in the market because ASX FP is view as a product where you cannot lose money (how can you when NAV is RM1? )
So let's assume that there are 1,000,000 units available. Because it's such a "hot product", Ah Cheng, Lee, Chong, Boon, and Pang each grab 200,000 units each. Now there are no more units left. Come Mr Yap. He wants to buy RM200k too but because all the units are held by Ah Cheng, Lee, Chong, Boon, and Pang, so even if he got RM200k, he cannot buy because there's none left.
Now Mr Yap is persistent. He try everyday. He say die die must put!. So one day Pang decide to sell RM100k because he's getting married, need to go honeymoon, so he sold off 100k units, so now there's 100k units in the market. But Ah Cheng have been eyeing the units too. He always leave book with the banker ask them to try RM50k everyday. Ah Cheng managed to grab up 50k units. So poor Mr Yap only managed to grab RM50k.

Understand?

If you had trouble topping up, go affin/ASNB.

If ASB/ASB2, then it's due to the max limit of RM200k. Why do they limit? Simple. Assuming that all units in ASB/ASB2 can be snapped up, imagine how much money will be flooded into KLSE? ASNB will become large shareholder in lots of companies which SC does not want. Which means all companies decisions will need ASNB approval. Which is dangerous.

The scenario is IF all the units for ASB/ASB2 are subscribed.

If you want to grow that, make you don't withdraw any dividends at all yearly.

Just keep la. Why do you want to withdraw? Next year, when dividend is given, your new limit will be RM210k + dividend.
If you want to add ASB2, just use cash from elsewhere.

Cimb is like that. Avoid at all cost.

Yes. That's right. Lump sum RM200k, that's the max initial limit. Then IF you DON'T WITHDRAW the dividend, and say you get RM14k as dividends, then your new limit is RM214k. What this mean is you can withdraw out RM213k, then when you topup, you can topup RM213k instead of only RM200k.

Well, now you know.

That's right.

Go for ASW2020, ASM, AS1M. Price Is RM1/unit. How the market perform, when you sell, the selling price is still RM1/unit. Avoid others (ASG, ASN3)

Opening account is the hard one. After that,. topping up is easier. Both oepning account and topping up requires luck.

Avoid ASG/ASN3