Hlb provide loan around 4.15% for bumi to buy asnb ,
So good .

Loan 100k buy asb , aga aga 7% dividend. After deduct 4.15% still can earn rm2850 .

Non-bumi ada ka?

Ada , hardworking key captcha.

This post has been edited by DBHILUHDAQWISRTNJ: Oct 8 2018, 09:54 PM

actually, I look into prospectus of the ASM.

Look at all the equities holding.

End up got feel very scare. Because all the subutan harga harga on all equites, are actually making loss. Some if I remember correctly la, got 1 lost 1% (a lot in tern of their invested amount)

anyone got check? don't just main tekan la.

thats why ppl said this is large legalised ponzi. i told ppl, ppl dont trust.

But we have no other choices other than asnb?
Something safe but higher interest than FD , with no SC?

thn I korek back past year like in 2006 2005 that time, they are earning.

but the surplus always nowhere to go....

but in last year, the loss are actually completely covered by section under fixed income securities and cash assets. and under that section, it does not mentioned which type of FI they enter. What rank? AAA? AA? BBB?

This post has been edited by [Ancient]-XinG-: Oct 8 2018, 10:46 PM

I'm more worried about ASW...

because they only state top 20 investments only.. not very detailed like ASM or AS1M (average entry cost & market price at closing financial year)...

I haven't looked into it. wow... haha

hmmm should sell?

yes. sell everything...

dump into FD.. safer

Yes. It's call EPF. Max self contribution per year = RM60k.

remember tell us. hahaha

but i don't want the money to be trapped for the next 30 years

True!!!!...very less people fortune enough to enjoy their own EPF money...usually mostly goes to kids edu, mortgage etc..

Malaysian generally dont have retirement plan or mentality....work work work till die...then all EPF goes family member (if u did proper nomination)..

EPF is great tool for retirement plan...30% Act 2 ok lah boleh spend for ur commitment before 55...70% act 1 should enjoy during retirement age..

Legalised and Ponzi is mutually exclusive. Ponzi is illegal, and legalised means it isn't Ponzi.

Agreed ! Should enjoy during retirement age . I see when they get the retirement money mostly gone to renovate their house for their kids / education / pay debts. Left no much. Wonder they enough for them rest of time or not .

just got it yesterday midnight.

Hi all sifu, may I know, when i want to purchase in myasnb if I key in 5000 and the available unit is only 1000, do I get 1000 or nothing?