Ultimate Discussion of ASNB (47457-V) Se7en

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Ultimate Discussion of ASNB (47457-V) Se7en, Wholly owned subsidary of PNB (38218-X)

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guy3288	Oct 20 2016, 08:17 AM Show posts by this member only \| Post #281
Look at all my stars!! Senior Member 5,871 posts Joined: Sep 2009	QUOTE(Pink Spider @ Oct 20 2016, 03:34 AM) Crutches mentality. Period. dasecret put it down perfectly. It's a personal thing, some people believe in doing their part in making the world a fairer place, even if it meant making less money for themselves; some people believe in riding along and make more money, even if it meant causing imbalances and injustices - sound familiar? BeeEnd people/supporters mentality, and these kind of people are also guilty of causing property bubbles, making houses more and more unaffordable. Who cares about social welfare? It's the government/God's job, not mine. Oops, sorry for invading during this wee hours. Now you guys can see the bully in action here live. You may be able to fool those who dont know you by saying the above in red, hoping to make them believe you are a Saint. But your action and behaviour in lowyat's forum, speaks otherwise. (the number of times your posts reported and removed, ) So don't try too hard to place a "halo" on your head,okay? You can never hide the "fox tail" , blabbering out "crutches mentality" instantaneously showed your true colour. If i were to hazard a guess why you guys go put money in FSM UTs, i think 99% do it for just one reason, they are hoping to make more money than FD or ASx can give them. 4-6% is not enough for them. They want more. You must be the 1% abnormal species out there, who find RM1000 on the street would not pick it up, saying it is not his money. Dont be a fool man!
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yygo	Oct 20 2016, 08:47 AM Show posts by this member only \| Post #282
Enthusiast Senior Member 895 posts Joined: Dec 2013	QUOTE(OPT @ Oct 19 2016, 11:09 PM) 1. Agree 2. 2 cars, 2 houses (landed), spouse (mestilah 1) 3. Agree 4. Maybe bro, said has multiple properties? no? sold off can be mm (multi m)?
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OPT	Oct 20 2016, 08:49 AM Show posts by this member only \| Post #283
Wee wang wang Senior Member 2,065 posts Joined: Feb 2011	QUOTE(yygo @ Oct 20 2016, 08:47 AM) bro, said has multiple properties? no? sold off can be mm (multi m)? Assets no sold, so no mm In fact, at current rate, most when retire will become millionaire (incl EPF)..just that atm many retirees with lower pay in early years dats y EPF so low... Btw, seeing so many FD vs ASX comment in here This post has been edited by OPT: Oct 20 2016, 08:51 AM
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yygo	Oct 20 2016, 08:52 AM Show posts by this member only \| Post #284
Enthusiast Senior Member 895 posts Joined: Dec 2013	QUOTE(OPT @ Oct 19 2016, 10:52 PM) Wah..so many posts.. My ratio atm...ASX:FD = 60:40 My personal take on all this... 1. Never put all in one basket 2. Some people say it's best to have liquid cash in hand that can lasts you 6-9months. Very subjective, depending on your expenses/commitments. For me, no more debts means I don't need too many cash lying around 3. Never been too bold to venture into stocks, so still no go for me atm 4. UTs got play sikit-sikit wen unker goat show fp about 120k, you said near yours alrdy. so ur amount is asx:fd 150k:150k?
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OPT	Oct 20 2016, 08:54 AM Show posts by this member only \| Post #285
Wee wang wang Senior Member 2,065 posts Joined: Feb 2011	QUOTE(yygo @ Oct 20 2016, 08:52 AM) wen unker goat show fp about 120k, you said near yours alrdy. so ur amount is asx:fd 150k:150k? Wah, stalker unker goat from 0 to 120k within few days, dats y should be nearing mine at that rate... Don't forget unker goat FD masih manyak ASX:FD = secret (but not so low lah of course) This post has been edited by OPT: Oct 20 2016, 08:55 AM
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yygo	Oct 20 2016, 09:16 AM Show posts by this member only \| Post #286
Enthusiast Senior Member 895 posts Joined: Dec 2013	QUOTE(OPT @ Oct 20 2016, 08:49 AM) Assets no sold, so no mm In fact, at current rate, most when retire will become millionaire (incl EPF)..just that atm many retirees with lower pay in early years dats y EPF so low... Btw, seeing so many FD vs ASX comment in here 2 landed properties oni? must be bungalows! tak boleh count house tat you stay. millionaire not much, unlike 40/50 years ago. have to be mm, like bro claimed to be one. QUOTE(OPT @ Oct 20 2016, 08:54 AM) Wah, stalker unker goat from 0 to 120k within few days, dats y should be nearing mine at that rate... Don't forget unker goat FD masih manyak ASX:FD = secret (but not so low lah of course) oic so bro asx is 120k times x. x=5, 10? This post has been edited by yygo: Oct 20 2016, 09:18 AM
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yygo	Oct 20 2016, 09:22 AM Show posts by this member only \| Post #287
Enthusiast Senior Member 895 posts Joined: Dec 2013	QUOTE(plumberly @ Oct 20 2016, 07:47 AM) I better go back to primary school to learn and improve my English! AA Don't mean to pour cold water over the consistent good dividends fire from ASX. Ha. * I mean what it says, not pouring cold water over the fire! BB No no, I am not pouring cold water on ASX * What more can I say. Maybe it is the double negatives ( no no) which means positive (yes)! In a nutshell, ASX FP is giving consistently better returns than FD (except one year). One can just move from FD to ASX FP and enjoy the higher returns. What I am trying (looks like I have to try VERY HARD) to highlight here is the danger in taking good things for granted. What if one day they stop this FP and move to VP? So be prepared should the day come. End of story. PERIOD. Tamat. XXXXXXXX wat tat means is asx still a ut. bukan fd.
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haziqnet	Oct 20 2016, 09:40 AM Show posts by this member only \| Post #288
Regular Senior Member 1,305 posts Joined: Dec 2008	QUOTE(Kamen Rider @ Oct 19 2016, 10:21 PM) what financial you are talking about ... shark loan or shark fins loan //// lol the key is using technique and rolling dividend method... very simple actually just make asbf 50,000 for the 1st time 30 years. (current bank rate CIMB offer 5%) so monthly RM270/month 2nd year, apply another 50,000 asbf for 29 years (use the dividend from 1st year to paid for this one) RM278.52/month (bank rate 5.2%) 3rd year, apply another 50,000 asbf for 28 years (use the dividend from 2nd year to paid for this one) RM282.82/month (bank rate 5.2%) 4th year, apply another 50,000 asbf for 27 years (use the dividend from 3rd year to paid for this one) RM287.49/month (bank rate 5.2%) the 4th year will using its own dividend to pay for the commitment... assume the lowest dividend at 7% minimum. For each year total dividend will be RM3500 or RM291.66/month using this calculation and method u only need to pay for the 1st 50,000 asbf until 30 years...the others will be paid by using the dividend still need more explanation pm me... ASBF have many technique bro...just find the best one suit with yours...dun make joke about investment bro...if u dunno then ask... ok This post has been edited by haziqnet: Oct 20 2016, 09:41 AM
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haziqnet	Oct 20 2016, 09:56 AM Show posts by this member only \| Post #289
Regular Senior Member 1,305 posts Joined: Dec 2008	QUOTE(annas473 @ Oct 20 2016, 07:21 AM) Which bank? Can you help project this year dividend? Promotion rate now 5% only apply to CIMB account user if u ask me the lowest dividend for ASB will be at 7% only...if u look at the ASB dividen history from 1990 - 2015 the lowest dividend amount are only 7%... so basically i could said ASB dividend will be hard to reach below 7% at our current economy condition... but anything can happen...if it does happen u should not worry, every downfall it will be rise again next time...so let said it does happen those who using rolling dividend technique may need to topup some money to cover for their installment...but with my calculation it will only happen if the dividend reach below 6.5%...above than that dun need to worry... sorry for my bad english by the way...hope u understand... for that 270/month max 200k it involve technique and rolling dividend method...look at post 288 i already share the method...TQ This post has been edited by haziqnet: Oct 20 2016, 12:32 PM
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wil-i-am	Oct 20 2016, 10:24 AM Show posts by this member only \| IPv6 \| Post #290
10k Club Senior Member 10,001 posts Joined: May 2013	QUOTE(plumberly @ Oct 20 2016, 07:47 AM) What I am trying (looks like I have to try VERY HARD) to highlight here is the danger in taking good things for granted. What if one day they stop this FP and move to VP? So be prepared should the day come. Y u worry so much We'll cross that bridge when we get there
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dasecret	Oct 20 2016, 10:25 AM Show posts by this member only \| Post #291
Regular Senior Member 1,498 posts Joined: Nov 2012	» Click to show Spoiler - click again to hide... « QUOTE(guy3288 @ Oct 20 2016, 12:09 AM) I think there is no shame for you to admit, yes "i dont believe in putting so much of my money in FD or ASX". What is wrong with that? As long as you dont try to imply or hint others doing that are stupid, i have no problem. I just cannot take bullying in your FSM thread lying down Did you see how your so called sifus bullied people in there like he OWNS that FSM thread?I remember one brave forumner ? dexk, said yes he also agreed that your so called sifus are bullying people there. Most dared not even utter any sound as your so called sifu wielding big stick would come out rambling, "idiots, lembu, put you in zoo, orang utans , ARE YOU BLIND?,etc ..." Now when you say FP funds is like "crutches" don't you realise you are hinting that ASX is inferior? Poor quality or something? If you are an objective person, you would ask how much ASX return is and not hint how it is inferior and prevent people from investing the proper way- by buying UT in FSM?. When people go invest in FSM UTs, and they lose money, how can you mend it for them? Tell them never mind? that is the price to pay for learning?? While you may say you support people's choices, upto an individual to choose where they want to place their money, your action above speaks otherwise. Think about it again. I dont think i am trying to quarrel with you, just for intellectual discussion, no offence okay? Lazy to reply la, now that my PMS is over Actually, why are you so upset over things that people say on the cyberspace? Not tired one meh When I said crutches, now and previously, what I meant is this It's a crutch for the local equity market - That the institution fund will go buy a falling GLC hence going against free market theory It's a crutch for the investors - The earning smoothing stop them from learning the relationship of risk and rewards and how to manage downside risks. Because of such product, they would shy away from any non-capital guaranteed products. Sure, in the short term it's great, you get a quasi FD product in behavior but more superior return. But in the long run, we would have generation of retail investors who don't know how to invest It's a crutch to the politicians - popularity vote and they don't dare to do away with it since it would lose votes So as long as the product is out there, people will continue to buy, market inefficiency ma, cash on it la. So I don't blame the people, I blame the institutions who go against free market mechanism. I don't only condemn ASx, I also regularly question Tabung Haji and less often EPF because they seem to be doing a better job Hopefully this is the last of the episode. Doesn't look like anyone is really interested in what I have to say on this topic
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yygo	Oct 20 2016, 10:31 AM Show posts by this member only \| Post #292
Enthusiast Senior Member 895 posts Joined: Dec 2013	QUOTE(wil-i-am @ Oct 20 2016, 10:24 AM) Y u worry so much We'll cross that bridge when we get there not wen u lose all or half of ur $$. better worry early.
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wil-i-am	Oct 20 2016, 10:36 AM Show posts by this member only \| IPv6 \| Post #293
10k Club Senior Member 10,001 posts Joined: May 2013	QUOTE(yygo @ Oct 20 2016, 10:31 AM) not wen u lose all or half of ur $$. better worry early. I presume potential investor wud have tot on tis point b4 invest Thus, 'worry' won't arise at all when u have decided to put the initial or top up sum
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yygo	Oct 20 2016, 10:46 AM Show posts by this member only \| Post #294
Enthusiast Senior Member 895 posts Joined: Dec 2013	QUOTE(wil-i-am @ Oct 20 2016, 10:36 AM) I presume potential investor wud have tot on tis point b4 invest Thus, 'worry' won't arise at all when u have decided to put the initial or top up sum i tink plumberly trying to wake up some tinking fp is safe as fd. This post has been edited by yygo: Oct 20 2016, 10:57 AM
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Kamen Rider	Oct 20 2016, 10:47 AM Show posts by this member only \| IPv6 \| Post #295
On my way Senior Member 554 posts Joined: Oct 2008	QUOTE(haziqnet @ Oct 20 2016, 09:40 AM) the key is using technique and rolling dividend method... very simple actually just make asbf 50,000 for the 1st time 30 years. (current bank rate CIMB offer 5%) so monthly RM270/month 2nd year, apply another 50,000 asbf for 29 years (use the dividend from 1st year to paid for this one) RM278.52/month (bank rate 5.2%) 3rd year, apply another 50,000 asbf for 28 years (use the dividend from 2nd year to paid for this one) RM282.82/month (bank rate 5.2%) 4th year, apply another 50,000 asbf for 27 years (use the dividend from 3rd year to paid for this one) RM287.49/month (bank rate 5.2%) the 4th year will using its own dividend to pay for the commitment... assume the lowest dividend at 7% minimum. For each year total dividend will be RM3500 or RM291.66/month using this calculation and method u only need to pay for the 1st 50,000 asbf until 30 years...the others will be paid by using the dividend still need more explanation pm me... ASBF have many technique bro...just find the best one suit with yours...dun make joke about investment bro...if u dunno then ask... ok yeah yeah you are correct.... you know the method better .... anyway not my cup of tea .... i would stay simple and straight forward .....
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cheahcw2003	Oct 20 2016, 10:52 AM Show posts by this member only \| Post #296
Look at all my stars!! Senior Member 5,379 posts Joined: Jul 2009	QUOTE(plumberly @ Oct 20 2016, 07:47 AM) What if one day they stop this FP and move to VP? So be prepared should the day come. End of story. PERIOD. Tamat. XXXXXXXX You have been saying this over and over, which is almost impossible due to the national interest. If it happened, there shall be a grace period for the investors to withdraw and decide whether to withdraw or let it convert to VP. So no need to mention it again and again to create fear for the newbies.
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wil-i-am	Oct 20 2016, 10:57 AM Show posts by this member only \| IPv6 \| Post #297
10k Club Senior Member 10,001 posts Joined: May 2013	QUOTE(bbgoat @ Oct 19 2016, 07:23 PM) AMCONSTANT MULTI MATURITY 2. Already matured early this year. The best is Public Mutual. Invested 100k in 2000, by 2014 4.4X. But after that, keeping the same value until now. Thinking of whether to move it elsewhere ! Almost all PM's funds is not doing well lately Perhaps, u may engage your Agent to advise u
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Kamen Rider	Oct 20 2016, 10:59 AM Show posts by this member only \| IPv6 \| Post #298
On my way Senior Member 554 posts Joined: Oct 2008	QUOTE(cheahcw2003 @ Oct 20 2016, 10:52 AM) You have been saying this over and over, which is almost impossible due to the national interest. If it happened, there shall be a grace period for the investors to withdraw and decide whether to withdraw or let it convert to VP. So no need to mention it again and again to create fear for the newbies. if they do this... all will cash out .... so they will not do it drastically and also i do not see this happened.... This post has been edited by Kamen Rider: Oct 20 2016, 10:59 AM
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Kamen Rider	Oct 20 2016, 11:00 AM Show posts by this member only \| IPv6 \| Post #299
On my way Senior Member 554 posts Joined: Oct 2008	QUOTE(wil-i-am @ Oct 20 2016, 10:57 AM) Almost all PM's funds is not doing well lately Perhaps, u may engage your Agent to advise u when equity market in down sentiment, UT also heading south .... am i right?
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AIYH	Oct 20 2016, 11:02 AM Show posts by this member only \| Post #300
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Kamen Rider @ Oct 20 2016, 11:00 AM) when equity market in down sentiment, UT also heading south .... am i right? Yes and yes, but PM somehow lag behind compare to other fund houses... wonder why?
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