Nope, i was too kiamsiap to pay for the tiket.

Lesson learned
Don't be kiamsiap on parking ticket..
Now dbkl fellows are very active.. Simply saman here & there.. They desperate needs money to feed u know who

And banks waiting time is long after ASB is open.. Yesterday I went to cimb, 3pm they stop giving Q number for ASx transactions..

I thought all the bank also stop give Q number after 3pm for ASNB.

Lesson learned
Don't be kiamsiap on parking ticket..
Now dbkl fellows are very active.. Simply saman here & there.. They desperate needs money to feed u know who

And banks waiting time is long after ASB is open.. Yesterday I went to cimb, 3pm they stop giving Q number for ASx transactions..

Avoid ASN and ASG at all cost.

now all banks practices like this? No Q number after 3pm?
I used to go at last min which is around 3.30pm++.

no no.. normally after 3.30pm also can get Q number..

just that now ASB just open for transactions.. so the crowd is huge.. waiting time also long..

that's why 3pm already stopped giving out number   

oh, thanks bro. I thought cannot go try top up at last min ad.
Nvm la, cny soon mesti ada available units.

well no problem to try the very last minutes.. just that if long waiting number, they will stop issuing Q number..

if no people, even 3.45pm also can issue number 

I remember, went around 3.45pm at Maybank Medan Tunku.. to change passbook.. even after 4pm also still in process of printing my new passbook  :thumbsup:  :thumbsup: finally 4.10pm got my passbook 

haha Maybank staff is quite friendly and helpful compared to cimb, rhb... rhb/cimb don't even want to issue q number and keep telling system down. (Same reason use 100 times)

What I know, cimb staff love to use offline / systems down crap excuses.. Rhb never faced it before..

My exp is mbb the best (mainly because of the adinda teller yang sweet and willing to help)

AWO = Abdul Wahid Omar, PNB's new chairman.

I think one would have to understand that FPs are essentially still normal unit trust products so the laws are applicable as to normal UTs ie: all unit holder funds are in the name of the trustee and NOT in the name of PNB/ASNB unlike other institutions such as LTH. So with that there's no way for unit holder funds to be used for "other purposes".

What I meant by not using reserves to prop up returns is for eg: let's say ASB's real returns for 2016 was maybe 4% or 5% but AWO would not have blown all the reserves accumulated after all these years just to keep ASB above 7% because really, given the size of ASB one could easily blow the reserves in just one distribution. So yeah PNB might have used some of the reserves to keep the returns competitive but not to maintain a "historical" track record of say always above 7%.

PNB's style have always been to accumulate reserves during good times and used it wisely when time's aren't doing so good unlike their neighbors LTH who burnt through their meager reserves for "brownie points" till it required a warning from BNM (although of course the latter can't do much but "warn" as LTH is not under the purview of BNM or SC but have their own "act").

Indeed. And reserves are also used to support the NAV of ASB to ensure that it stays around RM1. If NAV falls too much below RM1, it's essentially a risk to PNB. As unit holders are able to withdraw at RM1 price. If NAV rises above RM1 too much, it's also a risk to PNB as unit holders can buy ASB at RM1 price. There are risks in investment, and PNB has taken care of all the risks on behalf of unit trust holders. The reserves are in place for risk management purpose. Without it, fixed price unit trust is impossible.

Maybank is packed today.

Affin bank staff was kind enough to try multiple times to help achieve my target today.

Just curious, which affin branch ya. Most Affin branches are keen?

Yeah. Most affin bank branch should be no problem moving the money over.

nice gonna open an account there. any specific reason why they are more keen? the keenest

Opening account don't think they are keen. But topping up yes. Opening account see first page for places to open. Only need RM100. Also, after opening, update us the location so it can be added to first page.

Maybe because they have no customers?

i already have accounts...just wanna top up