Auntie has so much faith in the FP !  :thumbsup:

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.

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

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

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)

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)

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

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. 

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 

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 

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

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

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

Win

KGF kan ada.. The best performing fund
Lolz u stalking me ah

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

Tis mth end is a perfect timing for top up