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 Ultimate Discussion of ASNB (47457-V)发 8ight 发, Wholly owned subsidary of PNB (38218-X)

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Ramjade
post Mar 14 2017, 05:22 PM

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QUOTE(pisang @ Mar 14 2017, 05:01 PM)
If buy now , can  get the dividend payout for those unit trust with financial year ending 31 march 2017. Tks in advance!
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No. Your dividend will be calculated from 1/4 only using the lowest amount for the month.
Ramjade
post Mar 14 2017, 06:45 PM

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QUOTE(pisang @ Mar 14 2017, 06:27 PM)
Sorry, i dont get it. Do you mind to explain with an example? Say if i buy today 1000 unit.
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Eg. You are holding RM10k as of 1/3 of this month.
Eg1.
You add RM1k on 1/3 and didn't make any withdrawal.
Your lowest amount for the month = RM11k
Amount which will be calculated = RM11k

Eg2
You add RM1k on 1/3 and make a withdrawal of RM1k on 15/3
Your lowest amount for the month = RM10k
Amount which will be calculated = RM10k

Eg3
You add RM1k on 14/3 and didn't make any withdrawal.
Your lowest amount for the month = RM10k
Amount which will be calculated = RM10k

Eg4
You add RM1k on 14/3 and make a RM2k withdrawal
Your lowest amount for the month = RM9k
Amount which will be calculated = RM9k

Understand?
Ramjade
post Mar 15 2017, 07:05 PM

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QUOTE(drbone @ Mar 15 2017, 06:59 PM)
Where to read up about this ASX FP units?
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Here you go. Read the front page. And post 482 for a bonus laugh.gif brows.gif

This post has been edited by Ramjade: Mar 15 2017, 07:09 PM
Ramjade
post Mar 16 2017, 09:34 AM

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QUOTE(honkkydorry @ Mar 16 2017, 09:26 AM)
Just out of curiosity, those of you who deposited tens of thousands..are those extra funds that you have no immediate usage, transfer from FD, etc.? Cos obviously after going thru so much effort to be able to deposit that kind of amount, you would want to leave the $ in there and not disturb them for a few years isn't?
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First part yup.
Disturb when you need them or you can find better returns devil.gif

Some here are removing their amanah saham because RM keep dropping like flies. If RM is stable and doesn't drop like flies, these people won't remove it devil.gif

Also some need them to pay school fees/buy house etc. smile.gif

For me personally, I will remove in the future (once I start working) as the RM keep dropping like flies. It hurts due to all the efforts put in to get those units but it hurts more to see the RM keep dropping. cry.gif

Imagine 6% every year and your RM drop 1% every year against other currency - Net gain only 5%
Imagine 5.5% every year and your money gain 1% every year against the RM. - Net gain 6.5%. dry.gif

You may say sure, I am using the money in Malaysia. I am not using for overseas stuff. But if you want to send your kids overseas or you simply want to have more RM (after converting back few years down the road devil.gif )? hmm.gif

Something to think about.

This post has been edited by Ramjade: Mar 16 2017, 09:42 AM
Ramjade
post Mar 16 2017, 01:03 PM

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QUOTE(OptimusStar @ Mar 16 2017, 12:23 PM)
Where else can we move our money from ASX?
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Come come kasi you clue. Fraser capital point trust. Capitalland mall trust. drool.gif

You won't get 6% like amanah saham but if you count it RM depreciation + past record + growth in price you will beat amanah saham.

This post has been edited by Ramjade: Mar 16 2017, 01:23 PM
Ramjade
post Mar 16 2017, 01:03 PM

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Delete

This post has been edited by Ramjade: Mar 16 2017, 01:03 PM
Ramjade
post Mar 17 2017, 12:34 PM

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QUOTE(wu ming @ Mar 17 2017, 12:32 PM)
Waiting for ASM dividends.
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Lai lai drool.gif Hope it's good or else mega_shok.gif puke.gif
Ramjade
post Mar 17 2017, 04:33 PM

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QUOTE(cklimm @ Mar 17 2017, 04:17 PM)
based on EPF performance, 5.5% is a safe bet
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I think they will match EPF hmm.gif

QUOTE(theevilman1909 @ Mar 17 2017, 04:20 PM)
bye.gif
so low??
hmm.gif would it trigger mass withdrawal
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If it does, many people here waiting with cash to topup.

Ramjade
post Mar 17 2017, 04:38 PM

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QUOTE(theevilman1909 @ Mar 17 2017, 04:36 PM)
rclxub.gif  rclxub.gif
such low rate also people waiting to top up
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Asalkan lebih bagus dari FD devil.gif
For me, parking here first. Once start working and SGD drop slightly, will withdraw. bye.gif
Ramjade
post Mar 17 2017, 06:23 PM

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QUOTE(Ancient-XinG- @ Mar 17 2017, 05:56 PM)
3 more days to decide to leave ASG.

KLCI performing so good lately. aaa
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Same. Will cabut on wednesday. Hopefully it's still running.
Ramjade
post Mar 17 2017, 07:21 PM

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QUOTE(wu ming @ Mar 17 2017, 06:55 PM)
Is it possible to close ASG account? Or must leave it to idle?
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Since KLCI is up and up, better tarik all out the ASG and transfer to ASW/ASM/AS1M/Affin Hwang Select Bond Fund before KLCI drop. Yes can close account but the officer sure give you weird look.

This post has been edited by Ramjade: Mar 17 2017, 07:22 PM
Ramjade
post Mar 17 2017, 09:44 PM

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QUOTE(cklimm @ Mar 17 2017, 09:26 PM)
No waiting for distribution meh?  brows.gif
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Distribution in ASG is useless unless you believe otherwise whistling.gif
Ramjade
post Mar 18 2017, 02:49 PM

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QUOTE(Holyboy27 @ Mar 18 2017, 02:38 PM)
Guys, I'm new to this so I'd like to clarify some of the info I got from this thread.

As a non-bumi;

1. To open account : go to any Maybank or ASNB outlet
2. If available, go for the Fixed Priced funds e.g ASW2020, ASM, AS1M. But only AS1M allow online transaction.
3. No guarantee of return of investment, not covered by PIDM.

Question.

1. When can I cash out after investing? Any penalty?
2. For the Variable priced funds, it works similar to unit trust?
- buy when NAV is low and cashout when NAV is high?
3. How risky are these types of investment? My modal is around 10k. I'm planning to leave it in one of the fixed priced funds instead of FD.

If the question has been answered, kindly point me to the answer.

Thank you very much!
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Hi, I will answer your questions
1. Maybank, Cimb, Rhb, ASNB. For best place to open see first page.
2. That's the only option. Do not go for the variable price fund. You can try if you don't believe me. I am not responsible whistling.gif Once you open account, you can topup everything online. How? Check back few pages where I made a reply to "drbone"
3. Nope. But at RM1/unit I think it speaks for itself? innocent.gif laugh.gif

1. You can cash out anytime you want. Even cash out the next day also can. But consequences is won't earn the dividend (Dividend here is very different from normal unit trust dividend. Dividend here is real return). How to maximize your returns? Again check back few pages where I demoed how is the divdiend calculated.
2. Yes. Similar. Better option exist if you buy from FSM malaysia vs buying from banks. Returns from the viable price are miserable.
3. I literally transferred my FD into ASW2020, ASM, AS1M. However I stop after RM keep dropping. sad.gif

This post has been edited by Ramjade: Mar 18 2017, 03:23 PM
Ramjade
post Mar 18 2017, 03:19 PM

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QUOTE(Ancient-XinG- @ Mar 18 2017, 03:15 PM)
If your holding is less than 30k. You better dont invest in foreign country like sgreits or what ever. But you want stock pile foreign currency that's ok lol.

Reason why not to invest when your funds is small.

30k MYR looks nothing in the market tbh.
And you can't lost this 30k if you're really new to investment and risk appetite is low. 30k might lost just like that if homework not done enough.

Yes. You may say should be brave when come to investment. But be conservative when you're new to investment and explore more. FSM is a good platform to learn and the dedicated thread is very very informative.
And Ramjade. The whole world know you're moving or plan to move or yet to move or will be move your whole asset to overseas. No need to keep mentioning the RM is diving. Who don't know RM is diving. No need to keep mention. Get yourself a good job done and migrate. And don't ever look back to Malaysia. Don't make me feel like you're Dreamer101 dupe.
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I agreed with your statement. RM30k is small sad.gif

I am just mentioning so he know his options are not limited to ASx FP. There's also FSM. When I started out, didn't really had the guts to plunge into FSM.

Editted. blush.gif

Can post this on front page? Good for newbies.
QUOTE(Ramjade @ Mar 14 2017, 06:45 PM)
Eg. You are holding RM10k as of 1/3 of this month.
Eg1.
You add RM1k on 1/3 and didn't make any withdrawal.
Your lowest amount for the month = RM11k
Amount which will be calculated = RM11k

Eg2
You add RM1k on 1/3 and make a withdrawal of RM1k on 15/3
Your lowest amount for the month = RM10k
Amount which will be calculated = RM10k

Eg3
You add RM1k on 14/3 and didn't make any withdrawal.
Your lowest amount for the month = RM10k
Amount which will be calculated = RM10k

Eg4
You add RM1k on 14/3 and make a  RM2k withdrawal
Your lowest amount for the month = RM9k
Amount which will be calculated = RM9k

Understand?
*
This post has been edited by Ramjade: Mar 18 2017, 03:23 PM
Ramjade
post Mar 18 2017, 03:33 PM

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QUOTE(Holyboy27 @ Mar 18 2017, 03:31 PM)
Hey! Thanks. A follow up, say I am holding 10k on 1/March and I put in 1k on 15/3. In order for the RM11k to be calculated, I'll need to wait until 1/April or 15/4?
Thanks for the tip! I'm new to these investments and my risk appetite is low. I'm currently looking at FSM as another option a bit further down the line bcos my current unit trust (Manulife) is giving negative returns after 3 years. Yup, negative. Agent advised me to wait 2-3 years to see positive results but whatever profit gained in one fund is offset by a poor performing fund.
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See the eg I gave.

Contact FSM tell them you want to transfer in from agent. Cash out from Manulife, use the money to buy from FSM. Service charge will be free (if you contacted them before hand). Good manulife funds to look at:
- Manulife India
- Manulife Reits
- Manulife US

Others no need to look.

This post has been edited by Ramjade: Mar 18 2017, 03:35 PM
Ramjade
post Mar 20 2017, 10:40 AM

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QUOTE(prince_mk @ Mar 20 2017, 10:39 AM)
how much will you keyin for every top up ? small amount is advisable ? need to try few times only can get.
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Some try RM100, RM500, RM1000
Ramjade
post Mar 20 2017, 03:20 PM

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QUOTE(Holyboy27 @ Mar 20 2017, 03:11 PM)
Ok thanks. It's still in beta and not officially announced by ASNB. Stick to the verified and official channel for now.
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SO many use already. Why want to wait for official channale. This portal is FOC. Official channel charges you RM1.06/transaction. tongue.gif
Ramjade
post Mar 22 2017, 10:21 PM

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QUOTE(cklimm @ Mar 22 2017, 10:12 PM)
It was rather a cold comfort, for selling the ASG units at rugi price  dry.gif
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Still rugi? I though KLCI was running up and up which equals to profit. Unless you bought at higher price?
Ramjade
post Mar 23 2017, 08:29 AM

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QUOTE(kkk8787 @ Mar 23 2017, 07:18 AM)
online transaction got problem. cannot transact from 7am till now
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ASM tutup for dividend calculation...
Ramjade
post Mar 26 2017, 08:12 PM

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QUOTE(Vincent9696 @ Mar 26 2017, 08:10 PM)
When will PNB announcement for asm dividend??wahid will give investor a big shocked?
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1/4 should know already.

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