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

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heavensea
post Oct 31 2016, 08:44 AM

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QUOTE(N_Silver @ Oct 26 2016, 05:54 PM)
Hi guys.if you want to stop asb loan,what is the perfect time to do it?currently having 50k loan and just 2 year running.anyone can advise me?
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Hi bro, there's a thread about asb loan.

https://forum.lowyat.net/topic/667676/+1560
heavensea
post Oct 31 2016, 08:44 AM

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QUOTE(AIYH @ Oct 27 2016, 01:12 PM)
For me it took 3 tries with RHB Now to get 500 for as1m laugh.gif
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Rm3 charged?
heavensea
post Oct 31 2016, 08:49 AM

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QUOTE(nexona88 @ Oct 29 2016, 12:40 PM)
If u read xuzen post..
He did 10 year return asw vs kgf..
Kgf give higher return.. But risk also high..
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Kfg high risk funds yo, but performing like a king la.

QUOTE(OPT @ Oct 29 2016, 05:11 PM)
I still buy PM...small sum just to diversify a bit...
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Pm? Why? I thought pm is one of the non performing ut.

heavensea
post Oct 31 2016, 09:14 AM

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QUOTE(Ramjade @ Oct 31 2016, 08:59 AM)
Because the name public bank commands huge respect.  Kind of like apple. Lousy phone with high price but people still want to buy.

Another one is to much money devil.gif
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Used ip4s before, not gooding as I imagine. After fall just a phone.. now cincai use Android is more than enough. Ya lo, I wonder why ppl still top up money inside pm ut. It's perform "like fd" but no liquidity.. what for?? @@

QUOTE(N_Silver @ Oct 31 2016, 09:10 AM)
Ok,thank you for yr help bro
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You're most welcome bero.

heavensea
post Oct 31 2016, 01:32 PM

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QUOTE(Ancient-XinG- @ Oct 31 2016, 12:04 PM)
Bag in 3000.00 myr today. Today tomorrow is good timing guys.
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later will go try before 4pm, hopefully can get some units..
heavensea
post Oct 31 2016, 01:52 PM

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QUOTE(OPT @ Oct 31 2016, 01:45 PM)
Bcos I'm buying the so-called best performing PM UT 'SC'...but nowadays performance like FD biggrin.gif

Anyway, I buy sikit-sikit saja...not even 1% of my ASX FD  brows.gif

I have ASX FD, I have FD...I need other alternatives lar....haven't really gone into FSM  bangwall.gif

Not everything into 1 basket  icon_rolleyes.gif
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Alright bero, don't top up too much in pm ut.
Maybe you can try REITs?
heavensea
post Oct 31 2016, 02:05 PM

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QUOTE(OPT @ Oct 31 2016, 02:04 PM)
At the moment, concentrating on ASX FD...maybe once reaching my target will try REITs < Don't know how to buy these  biggrin.gif

I'm really conventional type...
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Me too, no bullets to do more.
Happy hunting haha.
heavensea
post Oct 31 2016, 02:09 PM

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QUOTE(OPT @ Oct 31 2016, 02:06 PM)
I seriously need help with moving my FD to ASX FP...large large sum sumore  sad.gif
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Today and tmr go hunt. Good chance nia. But I've bad feeling can't get even 4 figures...

They hold it tight due to fd rate so low??
heavensea
post Oct 31 2016, 04:20 PM

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QUOTE(Kerry1136 @ Oct 31 2016, 02:19 PM)
Yawn today morning bought 5k units for asw now broke already back to hibernation ...
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congrats, 5k good hunts. Next time save and hunt again biggrin.gif
heavensea
post Oct 31 2016, 04:23 PM

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Today got 4 figures, last 5 minutes before 4pm.
Mostly AS1M, ASW not much units, didn't try ASM since no cash ad. Should have too up ASM for equilibrium between this 3 account.

Thanks for the Deepavali tips, today and tmr also prevent lose of 1 month interest. biggrin.gif
heavensea
post Oct 31 2016, 04:25 PM

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QUOTE(yygo @ Oct 31 2016, 02:15 PM)
large large sum sumore
drool.gif  drool.gif

can help bro to carry $$, foc! rclxs0.gif

mm, must be 7 digits?  rclxub.gif or 8? rclxub.gif
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9... maybe
heavensea
post Oct 31 2016, 09:36 PM

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QUOTE(nexona88 @ Oct 31 2016, 05:51 PM)
Okay lor
U got some units..
As1m kinda easy.. No surprise devil.gif
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I wanted to top up asm / asw, but no units at that time. Why so easily get as1m? Like sweet Christmas gift?


QUOTE(sandkoh @ Oct 31 2016, 07:29 PM)
this confirm as1m not all the time can get wan.
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I got as1m for most of the time.

heavensea
post Oct 31 2016, 10:09 PM

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QUOTE(nexona88 @ Oct 31 2016, 10:03 PM)
Guess because of 1m name devil.gif
And the "weakness" of the fund blush.gif
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Hehe lowest dividends of 3 fp funds, gonna console myself it still better than fd. Be optimistic haha. biggrin.gif

gonna try to top up the other 2 fp asx at next time, should have keep as1m in locker as u advised. But I brought it to bank. sad.gif
heavensea
post Oct 31 2016, 10:22 PM

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QUOTE(nexona88 @ Oct 31 2016, 10:18 PM)
Well it's true..
ASx is higher than FD.. Known fact..

Hmm some would say, all 3 is same basket.. ie same company devil.gif why needs to do "balancing"
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I guess asm dividends would be highest.
Yes balancing is placebo effect but sendiri feel more syok mah haha biggrin.gif
heavensea
post Nov 1 2016, 01:33 AM

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QUOTE(nexona88 @ Nov 1 2016, 01:01 AM)
No direct switching in asnb funds..
U do the indirect way..
Buy asw or asm,but pay using as1m (withdrawal)
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When should I do such "contra" to minimise my lost of dividends? At the last and 1st day of any month? (Eg, 31st and 1st?) This means I would not suffer any lost of dividends?

This post has been edited by heavensea: Nov 1 2016, 01:35 AM
heavensea
post Nov 1 2016, 01:36 AM

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QUOTE(MGM @ Oct 31 2016, 10:26 PM)
Some just like to tokok, this year ASx returns proved that they do not always give the same returns.
If one allocation is of the ratio(asw:asm:as1m)  like 1:1:8, by 'balancing' it to 3:3:4 even a 0.2% diff in div would give an extra 1.3% returns.
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Ya that's why I would like to keep it balance, equally the same amount for each fund.
heavensea
post Nov 1 2016, 06:16 AM

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QUOTE(MGM @ Nov 1 2016, 05:37 AM)
Only on the first day of the month!!!
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Last day also can mah, dividends considered as start at the 1st of next month?
heavensea
post Nov 1 2016, 07:41 AM

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QUOTE(MGM @ Nov 1 2016, 07:31 AM)
Then the amount u sell on the last day of d month will lose the entire month of divd
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Brilliant biggrin.gif
I never thought about this.
In short:
- 31st/1st of month "tactic" can only use for top up.
- 1st of month = contra amongst 3 fp asx.

Am I right?
heavensea
post Nov 1 2016, 07:46 AM

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QUOTE(MGM @ Nov 1 2016, 07:44 AM)
YES U GOT IT.
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Thanks man. smile.gif
Finally I got it. Next time gonna pick "right time" to top up, like nearby the end of each month.
heavensea
post Nov 1 2016, 08:24 AM

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QUOTE(Ramjade @ Nov 1 2016, 07:54 AM)
For topping up, best is any day cause what happen if end of the month/on the 1st you cannot get the dividend. Then wait next month and next month when in between there are units available. Unless of course you have help then you can topup on end of the month and 1st.
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I planned to aim around 2xth until end of each month.

QUOTE(AIYH @ Nov 1 2016, 08:01 AM)
heavensea Do you know how to use multiquote in one reply? laugh.gif

Learn from guy3288 biggrin.gif
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Ya I know, sometimes I forgot hehe or I found and replied those post at "different timing".

QUOTE(Ramjade @ Nov 1 2016, 08:06 AM)
guy3288 I agree. If you cannot beat ASX FP 2 out of 3 years, is not worth. What more if you are just getting FD rates. Pay all kind of fees only to get FD rates.  puke.gif
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Asx fp still the best for me, but many ppl preferred diversification. I don't have so much bullets, so only focus on fd + fp asx pusingx2 enough.. haha

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