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.

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.
 

Be at    with your own decisions.

you top up using new form?

assume u did at Maybank?

If one tries his/ her BEST, it's better to place 6mths in ASX FP instead of FD. I did it for my 3-6mths placement and fortunately able to continue to let it hibernate inside.

Mind sharing why if it is not too personal? PM me?

ASX VP is different from ASX FP. Maybe from your disappointing experience with ASX VP?

Just want to learn from others. Maybe I do not see things the same way and some people see things at different angle.

Thanks.

Why would they do that? Indeed, the one who always sapu the limited available units, will get the stones.

Majority will      as they will have more opportunities to top up.

You're one of the luckiest person here who has been able to get units every time you drop by banks.

Can see you value the 2% extra return from  ASX over FDs, much more than bgoat.
Likely you would have more in ASX compared to FD, ratio 70:30?
?ASX still has the connotation of  "UT risk" to bgoat, that's why rather go for FD get 2% lesser, methinks.
bgoat's FD:ASX ratio 80:20?

Personally i  believe this ASX is just as save as FDs. i would very much like that 2% extra,
as every 1M is extra RM20k over FDs, trouble is my FDs will go till 2018,2019.

Wow!! even higher? every 1M rugi 20k woh........

at the moment 40:60, i dont mind push in more later, if i dont get 4.7% again.

At Affin, no need Q number. Just 'park' yourself there for 1 hour and the kind staff will try whenever he's free. I can  sit there, read newspaper and wait for him to signal me. It's better than going home and re try 2-3x/day. He'll try to 'sapu' whatever was available until I run out of $$.
At this moment that TOTAL of extra 2% from 3 passbooks are enough to support my whole year expanses without touching my other savings and investment.  Luckily, there is no need to withdraw any of them for many years to come.

True also la, stocks can be quite time consuming especially for day traders. I was more thinking of rebalancing strategy and hence I ask like that. Maybe can replenish the spent ASx when you take profit from UT

I find your allocation quite different from how people here seems to think. From what I gather from the limited time I spent on this thread the others seem to think ASx FP is of no/low risk compared to UT which is of higher risk.

Upon retirement one usually want more stable returns and limited downside risk so that they don't end up with insufficient retirement funds. So generally the personal finance advice is for retirees to move their UT or stocks portfolio into fixed income to avoid excessive downside risk

Of course different story if you have lots of dough and the UT is meant as inheritance to the kids and therefore can take a long term view.

Hope you don't find this unsolicited advice too offensive. Just sharing my observation.

I hold your view too... But obviously we are the minorities

Isn`t that the risk should be lower than stock market，forex,  variable unit trust?

The safer one is FD ..am i right?