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

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

Hi all, want to know more about AsNB, by the way may I know what is the meaning of VP and FP?

VP = Variable Price, meaning the fund price (NAV) will fluctuate and it is determined by the fund performance, a.k.a. normal unit trust

FP = Fixed Price, meaning the NAV will always fixed at RM 1.00, you grow your investment in the fund by yearly dividend

Thanks for the explanation   nowadays money hard to earn, finding investment vehicle to earn a lil bit more. So for AS all purely depend on luck on the unit u able to get By walk into the counter?

Thanks for the explanation   nowadays money hard to earn, finding investment vehicle to earn a lil bit more. So for AS all purely depend on luck on the unit u able to get By walk into the counter?

yup. depends on units availability & staff.

have unit, staff don't want to help also cannot 

I recommend u go try at affin bank as they are more helpful

For FP, yes, you need to be persistent to visit branch and with "connection" in hope to get the amount of unit you are satisfied with

Although you can invest via several internet banking option, the charges of RM 1.06 regardless of the amount you invest and whether you successfully secure you unit or not, is kinda turn away for many, unless got event

Heard some one said ASNB is introducing their own online platform, we shall wait and see how they do to improve the current situation

Have to c their face also even if we increase the walk in frequency^^" thanks for the recommendation. need to dig more info in this forum 1st before I go there

Have to c their face also even if we increase the walk in frequency^^" thanks for the recommendation. need to dig more info in this forum 1st before I go there

Have to c their face also even if we increase the walk in frequency^^" thanks for the recommendation. need to dig more info in this forum 1st before I go there

Icic^^" good if they introduce their own online platform, then we can hunt unit from both side

I wonder if online platform is introduced, then why add ambank as new agents
More system overload

Oh... now ambank also agent ..... i will go there

Why public, hong leong not an agent ?

Oh... now ambank also agent ..... i will go there

Why public, hong leong not an agent ?

Not sure if they full agent or not..
Last I heard only ASB u can go try & see how.
Later update all of us..

Public cannot be agents leh... They have own public mutual..

HL not sure maybe because Chinaman's bank

All those new agents (ambank, alliance, BSN) are useless. The only good new agent is affin bank. Better you find affin bank and try your luck there.

Public bank become agent for ASX FP = suicide for their own public mutual.

Not sure if they full agent or not..
Last I heard only ASB u can go try & see how.
Later update all of us..

Public cannot be agents leh... They have own public mutual..

HL not sure maybe because Chinaman's bank

Oh... now ambank also agent ..... i will go there

Why public, hong leong not an agent ?