I used to feel like that last year when the discussion abt FP possibly converting to VP came about. But logic keeps telling me the right thing to do is to move. I'm glad I moved, even though FP did NOT change to VP !

I'm really glad I moved these two weeks, after the Trump Election. If I decide to move now, it would be too late,... for the SGD and the USD have strengthened so much against the MYR compared to last year.

The FP to VP catalyst bode me well,....

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

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!

yes extra 2% compounding can mean alot if you have big amount.

today i have better luck.
All ASW.....my ASW :ASM:AS1M is now at 41.7:31.5:26.7

Just to share on getting higher return, though not as high as the FP. 

Yesterday after hearing from guy3288 that the CIMB bond has increased from 4.9-5.1% to 5.3-5.5%, called CIMB BM. Initially the 4.9-5.1% coupon rate is not attractive. Myself and family members later terminated some FD and grab small portion of it.

Thanks to wil-i-am and guy3288 for the info.   

Go to any bank, tell them you want to buy retail bond

See bbgoat reply. Min RM250k. In my own opinion, if I have RM250k, better I dump into ASX FP than buying bond and getting 1% lesser.

Why would anyone want to do investment and redemption in the same day?

The only explanation I can think of is emergency fund requirement but worst case can still wait for the following day.

Your analogy makes sense
I wud think bank employee wud have known the 'target' sum upfront instead of blindly key-in as n when free

Well sometimes paper qualification is not enough..

Well I know it's hard to get into the place..
But still,...
Okay, just give them chance..

I guess today not many topping up?

6th round...

ASM&AS1M 4digit
ASW 3digit

No. Topup csn be done without book but not withdrawal.

Now that ASB has landed on 6.x℅, I doubt that it will go back to 7.x% in the near future, as we can see from history. The other ASx will definitely be in the 5.x% range. We need an enormous economic miracle to go back to the good times.