Followed the FD thread some years ago trying to get the banks with the highest FD rates. My FDs have applied for migration and got their PR in ASX FP! Ha.

Maybe we should design, share and print the special card for these deserving Oscar award winners.

Something to this effect:


CONGRATULATIONS!

You have won the OSCAR award for the best acting category!

But please don't keep this title for too long.



Pass a card to the staff after the acting! Ha

Thanks.

In reading in between the lines, my interpretation is:
AS1M 14 to 14.88 6%
ASM 17 to 19.8 6*3 %

So AS1M has 1 more yr to go before cheque dividend mode ?

ASM has 3 more yrs to go before cheque dividend mode?

Same here, buying more and more things online now. Msia, China, HK, USA etc.

Why?

Better choice, cheaper.

Best of all, some provide free delivery!

But do your study properly before buying, product quality (from past customers' feedback), reliability of suppliers, etc.

That was what I said to myself as well when I saw that news.

I guess it is typical in politics & GLC to start with and show something positive/grand (like arrests when there is a change in MACC chief).

During his term as the senator, he lost my respect for him though he may be a very bright/smart head.

All the best with his new chapter!

My views:

AA
Write or go to their office and ask for one.

BB
Keep more than RM1 million in any one of the ASX funds.

CC
Take photo and print the calendar. Printers are now cukup bagus!

DD
Buy over ASNB

EE
?

Just kidding, ok? Ha.

My gut feel is for the top group (see their annual report) with more than RM500,000.

With few thousands of such members in each of their ASX funds, they will need to print over 10,000 calendars every year!

At RM10 per copy, that is easily RM100,000!

Impressive on the returns!

Your own developed spreadsheet?

Interested to know how do you program it to get the fund prices auto update.

PM me. Thanks.

Many thanks.

I like programming things like this.

As a Sarawakian, yes, we are certified to ISO XYZ8888 as "people friendly type, more understanding, less racist" Ha.

I can explain why then the lady was scolding customers in Sarawak.

Why?

She is not a Sarawakian. She came to Sarawak from Pen Msia 2 years ago to work.

Got it? Ha.

Just kidding.

I see. Maybe 6-7 figures in 1 account then awarded with the calendar?

If you got it once, strange that they stopped. Maybe due to you monetising the ASX units?

First, I don't mean to pour cold water on Spore. Some infor to consider when making a decision to invest there now.

https://www.breakingviews.com/considered-vi...lth-of-worries/

Basically, it comes down to whether one sees Msia or Spore (or other countries) will do better in the coming years with respective problems on both sides.

Avoid jumping onto the bandwagon. If after study and one is convinced, then go ahead. Due diligent will be on one's side.

P/S I do not work for ASNB or the Msian govt! Ha.

With your happy compounding effect remark, I bet you are one of them with at least 7 digits (excluding the cents) in your balance!

This post has been edited by plumberly: Jan 4 2017, 10:12 AM

Thanks.

You should be paid by ASNB for being their photo journalist, advertising their events here regularly!

Ha.

My 2.8 cents ...

If

AA FD=3.6%
BB ASX=5.8%
CC house loan=6.5%

with RM10k now and a year later

AA will give you rm360
BB will give you RM580
CC will save you RM650

Hope my illustration holds water. Ha.

I see.

AA
Is 4.25 fixed rate or can be changed later if and when bank deems fit? My layman's view is, if USA's rate increases into 2018, then I can expect Msia to follow suit. If fixed at 4.25, then no problem for you. Check your loan paper.

BB
Looking at the 3 rates, I see ASX as the best way forward. You get higher rate and also you can withdraw at any time but loosing out on dividend for 2 months (the month you deposited and the month you withdraw as dividend is calculated on minimum monthly basis).

All the best!

Thanks.

Did not realise that point till you mentioned it here. Good point. Let me know when that happens and I will buy you 1 month of kopi O. Ha.

Just saw in ASNB web that now one can get ASW2020 via monthly salary deduction!

Good.

But get a bad feeling. Why are they so desperate now to sell/cash the fund?

For my learning, why?

Because of mixed blood link with them in the early days and now they automatically are considered bumi?