MAKLUMAT KORPORAT

Amanah Saham Nasional Berhad (ASNB) ialah anak syarikat milik penuh Permodalan Nasional Berhad (PNB) yang ditubuhkan pada 22 Mei 1979 untuk mengurus dana-dana unit amanah yang dilancarkan oleh PNB. ASNB juga bertanggungjawab untuk mendidik para pelabur mengenai faedah melabur dalam unit amanah melalui penganjuran seminar perancangan kewangan atau lebih dikenali sebagai Seminar 360, pada setiap hari di seluruh negara. Sejak pelancaran unit sulungnya Sekim Amanah Saham Nasional (ASN) pada 20 April 1981, PNB telah melancarkan sepuluh dana unit amanah yang lain iaitu Skim Amanah Saham Bumiputera (ASB), Amanah Saham Wawasan 2020 (ASW 2020), Amanah Saham Nasional 2 (ASN 2), Amanah Saham Malaysia (ASM), Amanah Saham Didik (ASD), Amanah Saham Nasional 3 Imbang (ASN 3), Amanah Saham Gemilang (ASG-Pendidikan, ASG-Kesihatan & ASG-Persaraan), Amanah Saham 1Malaysia (AS 1M) dan yang terbaru Amanah Saham Bumiputera 2 (ASB 2). Daripada 12 dana unit amanah ini, enam daripadanya ialah dana ekuiti berharga tetap, manakala selebihnya ialah dana ekuiti harga berubah-ubah yang merupakan dana-dana pendapatan, pertumbuhan dan seimbang.
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PRODUCTS

VARIABLE PRICE FUNDS

SEKIM AMANAH SAHAM NASIONAL



Objektif
Bagi menjana pulangan yang berpatutan dalam bentuk pengagihan pendapatan dan pertumbuhan modal kepada pemegang-pemegang unit melalui pelaburan dalam kepelbagaian portfolio.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan dan mencari peningkatan modal bagi jangka masa sederhana ke panjang.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: December 31
Historical Amanah Saham Nasional (ASN) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2008 - 5.50
2009 - 5.20
2010 - 6.00
2011 - 6.05
2012 - 6.30
2013 - 6.45
2014 - 6.45
2015 - 6.10
Fund Performence past 5 years

Tahun Berakhir 31 Disember 2011 2012 2013 2014 2015

Kadar Pengagihan Pendapatan Seunit (sen) 6.05 6.30 6.45 6.45 6.10

Jumlah Pulangan (%) 5.33 11.45 11.36 -5.11 -3.73

NAB Seunit Tertinggi (RM) 0.8841 0.9046 0.9391 0.8977 0.8098

NAB Seunit Terendah (RM) 0.7703 0.8127 0.8225 0.7981 0.6787

AMANAH SAHAM NASIONAL 2



Objektif
Memberi peluang kepada pemegang-pemegang unit untuk mendapat pulangan dalam bentuk pengagihan pendapatan dan pulangan modal pada tahap risiko yang berpatutan melalui pelaburan dalam kepelbagaian portfolio sekuriti, terutamanya dalam ekuiti sekuriti Malaysia selaras dengan Suratikatan, Garis Panduan dan undang-undang sekuriti.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan dan mencari peningkatan modal bagi jangka masa sederhana ke panjang.

Kelayakan
Bumiputera 18 tahun ke atas.

Financial Year End: June 30
Historical Amanah Saham Nasional 2(ASN2) Dividend Rate for past 5 years
Net Distribution per unit (sen)
2009 - 5.20
2010 - 5.20
2011 - 5.50
2012 - 6.50
2013 - 7.10
2014 - 6.90
2015 - 3.45 (Split Unit)
2016 - 3.45 (Split Unit)

Fund Performence past 5 years

Tahun Berakhir 30 Jun 2012 2013 2014 2015 2016

Kadar Pengagihan Pendapatan Seunit (sen) 6.50 7.10 6.90 3.45 3.45

Jumlah Pulangan (%) 6.56 14.13 9.47 -2.57 -1.48

NAB Seunit Tertinggi (RM) 1.2588 1.3783 1.4135 1.13586 0.6295

NAB Seunit Terendah (RM) 1.0504 1.1948 1.2447 0.6174 0.5736

AMANAH SAHAM NASIONAL 3 IMBANG



Objektif
Untuk menjana pertumbuhan modal dalam jangka masa sederhana hingga jangka masa panjang menerusi pelaburan dalam portfolio yang seimbang dan melalui pelaburan semula pengagihan pendapatan, sekiranya ada.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta mengharapkan pertumbuhan modal bagi tempoh jangka masa sederhana ke panjang.

Kelayakan
Warganegara 18 tahun ke atas.

Financial Year End: November 30
Historical Amanah Saham Nasional 3 (ASN3) Dividend Rate for past 5 years
Net Distribution per unit (sen)
2009 - 7.00
2010 - 5.50
2011 - 6.00
2012 - 6.30
2013 - 6.40
2014 - 6.20
2015 - 6.20

Fund Performence past 4 years
Tahun Berakhir 30 November 2011 2012 2013 2014 2015

Kadar Pengagihan Pendapatan Seunit (sen) 6.00 6.30 6.40 6.20 6.20

Jumlah Pulangan (%) 3.17 11.64 10.86 2.21 0.05

NAB Seunit Tertinggi (RM) 1.1510 1.2010 1.2331 1.2126 1.1839

NAB Seunit Terendah (RM) 1.0522 1.0495 1.1124 1.1582 1.0174

AMANAH SAHAM GEMILANG



Financial Year End: March 31
Historical Amanah Gemilang Pendidkan (ASG-P) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2009 - 5.50
2010 - 5.50
2011 - 5.60
2012 - 7.00
2013 - 7.10
2014 - 7.10
2015 - 7.10
2016 - 6.00

Financial Year End: March 31
Historical Amanah Saham Gemilang Kesihatan (ASG-K) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2009 - 6.00
2010 - 6.00
2011 - 6.10
2012 - 7.10
2013 - 7.20
2014 - 7.20
2015 - 7.20
2016 - 7.00

Financial Year End: March 31
Historical Amanah Saham Gemilang Persaraan (ASG-P) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2009 - 5.00
2010 - 5.00
2011 - 5.10
2012 - 7.05
2013 - 7.30
2014 - 7.05
2015 - 7.05
2016 - 6.80

[FIXED PRICE FUNDS]

SKIM AMANAH SAHAM BUMIPUTERA



Objektif
Untuk menjana pulangan jangka panjang yang kompetitif dan konsisten kepada pemegang-pemegang unit di samping memastikan pengekalan modal pada tahap toleransi risiko yang minimum.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta menjangkakan manfaat dari pertumbuhan jangka panjang tabung hasil pelaburan semula pengagihan pendapatan (sekiranya ada) dan penerimaan pendapatan (sekiranya ada) ke atas pelaburan mereka.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: December 31
Historical Amanah Saham Bumiputera (ASB) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2008 - 7.00 + 1.75
2009 - 7.30 + 1.25
2010 - 7.50 + 1.25
2011 - 7.65 + 1.15
2012 - 7.75 + 1.15
2013 - 7.70 + 1.00
2014 - 7.50 + 1.00
2015 - 7.25 + 0.50
(Dividend) + (Bonus)


AMANAH SAHAM WAWASAN 2020



Objektif
Untuk memberi kadar pulangan yang berpatutan kepada pemegang-pemegang unit menerusi pelaburan dalam portfolio terpilih yang terdiri daripada pelaburan yang dibenarkan.

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta mengharapkan manfaat dari pertumbuhan jangka panjang tabung hasil pelaburan semula pengagihan pendapatan (sekiranya ada) dan penerimaan pendapatan (sekiranya ada) ke atas pelaburan mereka.

Kelayakan
Warganegara.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: August 31
Historical Amanah Saham Wawasan 2020 (ASW2020) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2009 - 7.00
2010 - 6.30
2011 - 6.50
2012 - 6.60
2013 - 6.70
2014 - 6.60
2015 - 6.40
2016 -

AMANAH SAHAM MALAYSIA



Objektif
Untuk memberi peluang kepada pemegang-pemegang unit membuat pelaburan jangka panjang yang menjana pulangan yang kompetitif dan berterusan menerusi pelaburan dalam portfolio yang dipelbagaikan.


Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan serta mengharapkan manfaat dari pertumbuhan jangka panjang tabung hasil pelaburan semula pengagihan pendapatan (sekiranya ada) dan penerimaan pendapatan (sekiranya ada) ke atas pelaburan mereka.

Kelayakan
Warganegara.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: March 31
Historical Amanah Saham Malaysia (ASM) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2009 - 6.25
2010 - 6.30
2011 - 6.38
2012 - 6.80
2013 - 6.50
2014 - 6.60
2015 - 6.60
2016 - 6.30
AMANAH SAHAM DIDIK



Objektif
Untuk memberi peluang pelaburan yang dapat menjana pulangan dan pertumbuhan pelaburan jangka panjang yang berpatutan kepada pemegang-pemegang unit

Pelabur Sasaran
Pelabur yang memahami risiko dan pulangan pelaburan dan mengharapkan pertumbuhan modal bagi jangka masa panjang dari pelaburan semula pengagihan pendapatan (sekiranya ada), sebagai persediaan keperluan kewangan bagi tujuan perbelanjaan pendidikan pelabur dan ahli keluarga pada masa hadapan.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: June 30
Historical Amanah Saham Didik (ASD) Dividend Rate for past 7 years
Net Distribution per unit (sen)
2009 - 6.30
2010 - 6.35
2011 - 6.50
2012 - 6.60
2013 - 6.80
2014 - 6.60
2015 - 6.60
2016 - 6.30

AMANAH SAHAM 1MALAYSIA



Objektif
Objektif pelaburan AS 1Malaysia adalah untuk mendapatkan peluang pelaburan yang menjana pendapatan yang konsisten dan berterusan di samping mengekalkan modal pelaburan para pemegang unit di dalam tempoh jangka panjang melalui portfolio pelaburan yang dipelbagaikan.

Pelabur Sasaran
- Pelabur jangka masa sederhana dan jangka masa panjang.
- Pelabur yang memahami pulangan dan risiko.
- Pelabur yang ingin mendapatkan pulangan dari pengagihan pendapatan, sekiranya ada.

Kelayakan
Warganegara.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: September 30
Historical Amanah Saham 1Malaysia (AS1M) Dividend Rate for past 6 years
Net Distribution per unit (sen)
2010 - 6.38
2011 - 6.50
2012 - 6.60
2013 - 6.80
2014 - 6.60
2015 - 6.40
2016 -
AMANAH SAHAM BUMIPUTERA 2



Objektif
Menjana pulangan jangka panjang yang konsisten di samping memastikan pengekalan modal pemegang unit dengan menyertai pelaburan di dalam portfolio aset campuran.

Pelabur Sasaran
Dana ini sesuai untuk pelabur yang mempunyai profil yang berikut:

- Memahami risiko dan pulangan pelaburan.
- Mencari instrumen pelaburan jangka panjang yang berpotensi untuk menjana pulangan
tahunan yang lebih baik daripada kadar
pulangan purata Sekuriti Kerajaan Malaysia
(Malaysia Government Securities, MGS)
5-Tahun.

Kelayakan
Bumiputera.
- Akaun Dewasa (18 tahun ke atas).
- Akaun Remaja (ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi kanak-kanak berumur 6 bulan hingga 18 tahun ke bawah).

Financial Year End: March 31
Historical Amanah Saham Bumiputera 2 (ASB2) Dividend Rate for past 1 years
Net Distribution per unit (sen)
2015 - 7.50 + 0.25
2016 - 7.05 + 0.00
(Dividend) + (Bonus)

Frequently Ask Question [READ ME]

Updated 2016 FEB

1 - I am a non-bumiputera. And I am totally new to this. Which fund should I go?

You miss the so called golden chance which is happening on 2015 JUNE - OCTOBER, regarding our top picked FIXED PRICED FUNDS. Those were the time where people top up and the success rate is almost 100% (any amount), as well as opening up a new account. However, for now, the chances is still there, but try little bit more harder and the units will be lesser and lesser in coming weeks or months. Well, its also depend on various factor such as world markets, commodities prices and some "national issues". For those who having any account on Fixed Price Funds, you can keep trying to top up with no guarantee you able to get additional units. Next, for those who having higher risk appetite, Variable Price Funds, ASG, and ASN3. Currently only have this two option for you. Now in laymen term, the prices are low, if you have a brave heart, can try it. ASG Pesaraan. Once ROI around 15% but when the chance or interpreted the market wrongly end up ROI will be around 3.5% or negative value VP funds can be fun if the timing is correct. But there will be some platform give better experiences such as FSM, but I myself haven't try it. But people say its good.

2 - I am a bumiputera. And I am totally new to this. Which fund should I go?

Follow this order, you will never go wrong. ASB - ASB 2 - ASW2020 - ASM - ASD - AS1M.

3 - Any online transection allow?

Yes, one of them is m2u and CIMB Clicks. But currently CIMB having some problems as you cant merge account due to system upgrades by ASNB. M2U for non bumiputera is AS1M, but each and every transection need processing fees of MYR 1.06.

4 - EPF?

Yes. But details need an expert to explain it.

5 - Where can I buy the unit?

Agents. Pos MY, MBB, RHB, CIMB. And ASNB office as well. Newly added will be Affin Banks, BSN, Alliance Banks. But the service provided will be varies.

6 - Best time to buy?

No specific time but, most people do say that. Before any big festive sessions, school reopen and any occasion that need money. However, you don't know when people do need those money.

7. Places to try opening new Fixed Price Fund for the Non-Bumipuitera.

Maybank
KLIA2, Bdr Bkt Tinggi 1, Klang Town, D'sara Uptown, KL Sentral, Cyberjaya, Cheng & Graha Peladang (Melaka),
Rampai Biz Park, Karak, KLCC, Desa Jaya (Kepong), Taman Pelangi (JB), Kompleks Bandar (OUG), Mid Valley Mall, Kuchai Lama

ASNB
KL HQ, Melaka, Bayan Lepas, Kuching, Seberang Jaya

PosMalaysia
HQ KL, Shah Alam, Triang, Klang Utara (near Mydin)

CIMB
Bangi, Jalan Parry Miri, Taman Putra Ampang, D'sara Uptown

RHB
Padungan, KLCC, Simpang 3 Kuching, Jalan Stesen Klang, Bandar Utama

Affin Bank
Cyberjaya

Places above are based on user experiences. And they managed to open the precious account on the mentioned location.

8. How much can I top up per day?(CASH)

50000 MYR per day for all types of products. Meaning, the limit will impose on an account number. (I guess this is the reason they upgrading their system.)

__________________________________________________________________________________________________________________________________

Flash Facts

- If there is no units available, you will never ever able to purchase new units or opening up a new account.

- To open up an account, you need 100 MYR.

- To top up, minimum value shall at 1.00 MYR.

- When opening up an account, can choose any of the three FP, they actually act the same just subject to availability.

- To top up any amount also acceptable, but just above 1.00 MYR.

- Regarding the date to top up, its up to you. I don't wish to explain this further.

- Funds can be top up via CIMB and MBB, online. However, for non bumi, the only available for online purchase will be AS1M. There will no specific limit, but still subject to availability.

- For non bumi, try opening up FP first.

__________________________________________________________________________________________________________________________________




Latest insider news-
Online system is on the way, the days where need to perform over the counter transection is coming to an end...
Credit to hyelbeine

New thread!!!

HUATTTT ARRRR!!!!

Continue from tis thread
https://forum.lowyat.net/index.php?showtopi...&#entry82123437

🖒🖒🖒

One of the first to sign in !

Huat ah .....................

Not sure if I will still be a regular here ?

This post has been edited by bbgoat: Oct 15 2016, 08:17 AM

After using CIMB and MBB portal to purchase the FP, CIMB set-up is better with more info. MBB can only buy AS1M. Only way to see if the purchase is successful or not is to see if dough is returned or not in MBB. CIMB have a "Pending" status that we can see. Can change to "reject" if not successful.

This post has been edited by bbgoat: Oct 15 2016, 08:53 AM

Agreed. Have tried both, and only CIMB successful. There is not even notification from Mbb whether successful or not

Someone here say use MBB online but dough is not return even though unsuccessful.
Is it sort out yet

This post has been edited by filage: Oct 15 2016, 12:09 PM

Check in new thread

Good job TS..

lucifah pin pleased thank you.

I will miss u if u r not here

For me, very glad that I came across this forum some 2 years ago. I got some in AS1M and ASM, basically just the opening day deposit amounts. Heard about the difficulty in adding to the accounts, no more funds for non bumi, etc. Stopped there.

Learning from experiences here, including Guy288 alerting me when he managed to buy big amounts, I managed to sikit sikit lama jadi bukit kecil. Ha. Compared to FD, now my workers (my money) are working twice as hard. Glad to see the extra $$$ on dividends days. Ha.

Disappointment and tough at times, but worth the initial sacrifices in time, petrol, patience.

Cheerio.

Other people can provide more excitement on their top up's !!

Ya, did learn from here to get the FP. But will stop once it reach certain targets. Unless like Auntie keeps on changing targets.

The old timers are gone from the days I first join this forum..
But now I see new users are here.. Which give more colours & fun on this thread..

If the old timers can join even better..

Opps. Forgot to say. New info's are added on first post! In the spoiler. For the newcomer I mean. Haha

Try to update the passbook picture for ASW, ASM, AS1M. Pic of the new passbook.

Charges for the Pengisytiharan Amanah is RM190 hmmmmmm

That's why I told my parents don't need to apply for that.

I guess old times not interested to talk about how much can get ASx each day, which bank which branch which counter. And congratulate each others when manage to top up Rm100 on line/ over the counter, or manage to open an account.

That is why this thread has turned into a spoon feed Q&A for the newbies.

well, while it's true most of the discussions are about what u mentioned, but the truth is, there is nothing much else to discuss regarding ASX FPs. you just buy and you wait for dividend. nothing technical in it really compared to other UTs. not much homework needed.

I'm very grateful to come across this forum too (in May 2016) and learnt so much from everyone.
Luckily managed to open ASM & AS1M and moved part of my retirement funds here within short period with plenty of hard works. Now I'd only need to visit bank to update passbooks yearly.

Target kept changing as Fd matured at that time and unattractive rates being offered by banks.
If I don't move to ASX FP, too much will sit in the FD with lower %. 2% different is a LOT to me esp with more rate cuts in upcoming Nov.
As long as ASX FP dividend >FD, I'll be happy to let it hibernate here forever.




This post has been edited by twinkle5129: Oct 15 2016, 03:59 PM

U mean cheap or expensive?

good one.

really sums up for newbies

U done this?

Auntie has so much faith in the FP !

I in one still would diversify in FD, UT, retail bond (trying to get in), stocks etc. Even UT has various managed by different entity.

Be at with your own decisions.

Ya, each person made own decision based on their unique situations.

People hardly discuss about what ASX invest into.
If other UT, people will be quite active to look into that.

How bout what's the size of ASX compare with EPF or TH?
Anybody have statistic?

Fp, fd, reits, ut. Imho.

true, because what UT invest affects the outcome. ASX on the other hand, minimally.

Okay since u ask..
As my observation.. All have investments in few common listed companies..

Maybank, TM, Tenaga, Sime Darby, Axiata, FGV & Axis REIT.

This post has been edited by nexona88: Oct 15 2016, 10:43 PM

Expensive. I did mine last year ard rm100. Now is rm190

That one is promo lor... 100 for limited time only..
190 is normal rate

Hebat, consider myself masuk lambat to Asx also. Haizz last time dgr ckp ppl veli hard to get one n kena q up whole night just to grab a few units, onli those got connection onli get la blah blah. TNS betul really wasted good few yrs of not trying bcuz of that.

Not whole night lor...
Just Q around 4am only
I did that for asm & asw2020 additional subscription opening...
For as1m, I went my own sweet time since 10bil units is offered ..

Yes

It's impossible to discuss on each investment (i.e. equity/bond/money market) within ASW/ASM/AS1M as they dun disclose the detail breakdown of each asset class in the AR

They charged me RM100 too as I signed up in Apr tis yr

that's why they said harom...

may I know what's this 100 bucks for?

When you die, all your holdings in asnb will be transferred to your kids in cash. By paying them rm190 (current price) + extra charges you get to transfer your holdings in unit form instead of cash.

In my opinion not worth it as
(i) we won't be sure how amanah saham return is in the future
(ii) your kid will be charged a few % commission when the transfer is done
(iii) if I am not mistaken, there's a yearly fees

Whatever it is, for us
Haram or halal, would still invest in ASx

Personal preference.. No one forced to invest in ASx

I also did not go for it.

Same as your points 2 & 3. Yes, there is a yearly charge.

The main attraction for me there is the automatic account creation of the beneficiary does not have an account. But that should not be over-riding sole reason for doing it.

I was told by the staff there that the beneficiary can still go to the local council to get a doc and with this, ASNB will transfer the money to the beneficiary within 6 weeks, if my memory is still OK.

Overall, not that attractive to me.

Oh ya, the time is also another one. With will, one get the money slower, with this pengisytiharan amanah, one get the money faster. Thanks for pointing out about the annual fees. For me the annual fees + the transfer charge is a turn off. If one time payment of say RM100, I won't mind asking my parents to go for it. But since there is annual fees + the transfer charge, I told my parents don't need to waste money.

is it some kind like "WILL" for inheritance of ASNB?
What happened to the money if something happened to me? (touch wood)...

I want to cont harom and invest

Yes. But it covers only amanah saham products.
Will = money will be given out in cash most likely bank into your kids bank. Take time.
Pengisytiharan = money will be "transferred" as units into your kids amanah saham book. If your kids don't have a book, ASNB will create a book for them. Process is faster and as mentioned, pay upfront RM190 + yearly fees + service charge (for transferring)

How much is yearly fee and transfer charge?

I want to nominate parents/sister and gf.

heavensea

AIYH hi bro, kinda off topic to tag you here.

and dear all,

But I've some doubts about "how do I calculate/know the returns of vp UT"?
In short, how can I know how much of ROI in term of sen/dividends paid out VS money of my input?

I think it's not simple as fp asx, because of the unit is fixed at 1 per unit.
Do you mind to show me some real life example/calculations based on KGF or RHB Islamic bond fund?
Or I just simply found it in fsm or similar website? Please highlight me.

tqvm and have a good weekend.

This post has been edited by heavensea: Oct 16 2016, 08:31 PM

If I "gg" (touch wood) and no one can retrieve those money inside asnb? How or what methods I can implement to prevent such hassle conditions?

Will or pengisytiharan amanah lo. Nope. Not like FD where 2 people can sign.

which one cheaper and offered the best value
not much of asset, I assume pengisytiharan amanah will do?

This post has been edited by heavensea: Oct 16 2016, 08:40 PM

Is not hard actually

You just need to know what is your current fund value (if you have one), just the amount of units you have times the current NAV, e.g. 1000 unit * NAV @ 1.05 = 1050

This value will then divided by the investment amount you invested in (assuming you only invest once) e.g. 1000

Then minus one from the calculated value, your ROI will be 5%

This method ignore timing, just compare your ROI with just final and initial value.

If you included the amount of timing, say you already invested 3 years, then your annualized ROI will be:
(Current Fund Value/ Initial Investment) ^ (1/your investment period in years) -1

In this case (1050/1000) ^ (1/3) - 1 = 1.64% p.a.

If you made multiple investments throughout the investment period, the above metrics my not be as meaningful generally, you will require IRR (internal rate of return) metrics which require excel to calculate

Will is the cheapest.

I found a "stupid way" haha

https://www.fundsupermart.com.my/main/plann...tor.svdo?step=2

thanks bro, I got it now. It's all about NAV, dividends paid out or not also about NAV
dividends paid out eventually reinvested so I got more units = more wealth

am I right? (or wrong again??)

do it via bank/insurance/pensuruh jaya?

THe method is the 1st type of ROI I mentioned, i.e. the total return throughout your investment period without annualized and multiple investment

more units =/= more weatlh, else you will kena whack by some fsm sifu

simply speaking, depends on the return later, more units is like a double edge sword, you can earn more when NAV up, so as losing more when NAV down

yeah you're right.

then how can I know "how much I've earn" (this year) from my investment into a vp UT?
this is the most confusing part for me.. because everything isn't FIX and fluctuate enough like stock..

stock normally I "goreng", I don't care abt the dividends or not.. buy low sell high, that's it. For me it's holding power/ability.

but how about UT? what kind of indicators can be use in my strategy to invest, to hold, or to let go? (cut lost)

because UT return is not "fast/fluctuate" like stocks, it's some kind of savings imo. I would like to learn how to invest in UT instead of looking for tips.. (this "looking/listen" to tips cost me so much in the early years of stock trading..)

This post has been edited by heavensea: Oct 16 2016, 09:10 PM

For that i think you need to keep a personal record excel to calculate it

Not sure about that, personally I invest in UT for long term (I still very young ), plus if I need to do it like stocks, I might as well go learn to invest stocks and forex

Generally, UT investment strategy, the internal content was handled by the fund manager, so IMHO, what we can do is understand the UT itself, does the region or sector or instrument the fund invested suit your style/teste, benhcmark against its peer then decide to hold, invest more or sell off

Others may be have different opinion to it, but thats my view as I am still new

Incorrect
The rationale for the non full disclosure is to avoid investor calculate the actual NAV at the closing of financial year end

Just realized ASx thread no more pined like it used too..
Guess it's not important like previously

Pymt consideration for the preparation of Will

Normally how much it cost

i) Y u try so hard to top up since u dunno the returns from 2017 onwards
ii) U expect them to execute FOC for u? Anyway, their rate is the most competitive in town
iii) Their yearly fees of RM10 is too nominal n negligible if on mthly basis

Withdraw now as u don't know the future return.. Can change to VP...
Move all to FSM

Your pov is same like ppl who looking into "fundamental" of stock such as financial statements, ratios, and microeconomic of the business/industry.

Good young man you're, save/plan from now=bittef now, but secure in the future.

lol please sell some to us,
fsm ut, asx fp, stocks are all hugely dependants on "how's the local market" unless invest abroad.

Just my dua sen.

moved to fsm + property perhaps (rumawip + bukitjalil buy buy buy) up up up kemudian!

Calculated= cheating? Sort of?

Win

KGF kan ada.. The best performing fund

Lolz u stalking me ah

But low and flip high high, I can't wait to be millionaire!

KGF is king of ut!

Lolz bro you were everywhere, you're everywhere

(i) How many years you want to pay yearly fees? 20-30 years? What happen if in between ASX FP change to VP/not performing/inflation in Malaysia creep up until = return given by ASX FP? If anything happen, can cabut anytime I like.
(ii) One time fees + that yearly fees still can stomach. But not the % amount charged (parents words - not mine)
(iii) True. But look at the % charged.

This post has been edited by Ramjade: Oct 17 2016, 02:51 AM

Since FP only dependent on distribution, NAV performance is irrelevant.

They dont disclose in case people go and calculate then track every year see how many surplus/deficit they have compare to what they declare as distribution.

If year year surplus, but declare distribution still the same, on the surface they called it reserve, behind ... you know the money go where le

Property near future not so bright at the moment...

Nowadays hardly see anyone buying ASX FP?

Not easy to get FP units nowadays

If u think ASNB cheat u, perhaps u can withdraw n move elsewhere

Well I guess people have found others investment that give higher return than ASx FP

Or target reach, don't want top up anymore

Or lack of bullets

U r rite n tats y it's so precious

Depends on luck..
If u know the important date, easy can top up big amount