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

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savvyaunty
post Apr 9 2018, 06:05 PM

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QUOTE(saitong09 @ Apr 9 2018, 06:03 PM)
If the dividend below 5%, I'll move back to mortgage loan
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me too. anything not as attractive compared to reducing home loan, I'm going to just dump my money into my loan.
this whole tiered dividend if implemented is gonna drive people away

This post has been edited by savvyaunty: Apr 9 2018, 06:06 PM
savvyaunty
post Apr 9 2018, 06:27 PM

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QUOTE(nexona88 @ Apr 9 2018, 06:08 PM)
Join the Club  cool2.gif

better to use for loan innocent.gif
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QUOTE(saitong09 @ Apr 9 2018, 06:08 PM)
Haha we are on the same ship, you jump I jump  laugh.gif
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I actually did calculation before comparing dumping money into housing loan or top up ASx

For lumpsum amount, ASx will provide higher yield. For small monthly amount, more savings from paying down home loan.
savvyaunty
post Apr 9 2018, 07:10 PM

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QUOTE(veera77 @ Apr 9 2018, 06:41 PM)
How? Appreciate if could you share some calculation..tq
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Did calculation based on additional 500 into home loan or ASx monthly and lumpsum 20000 into ASx vs home loan for a period of 10 years. Have to look up my old files to get the exact numbers again.

This was done before interest rate hike so have to recalculate to see if it still applies
savvyaunty
post Apr 10 2018, 02:58 PM

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QUOTE(veera77 @ Apr 9 2018, 08:32 PM)
thanks..pls share if sempat re-calculate..

the reason why i wonder is;
ASx Cash - earn compounding 6% dividend
Mortgage Loan - save compounding 4.4% interest

so, there is gap of 1.6%   smile.gif
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Just did some quick calculations.


Edit: notice some silly mistake. recalculating now doh.gif
Edit 2: Both monthly deposit and lump sum ASx still win! Made a mistake earlier by forgetting to add 500 in the first month.



This post has been edited by savvyaunty: Apr 10 2018, 03:15 PM


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savvyaunty
post Apr 11 2018, 01:02 PM

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QUOTE(frostfrench @ Apr 11 2018, 11:49 AM)
ASx vs Car loan

last weekend so lucky, hubby strike TOTO. so it is better to put to money into ASx than to clear off my car loan right?
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Car loan is usually using straight line interest rate. Try calculating the effective rate to see exactly how much you will be saving if clear off the loan
savvyaunty
post Apr 13 2018, 10:59 AM

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QUOTE(cheong2005 @ Apr 13 2018, 10:54 AM)
Hi Im new to this online things.. I try to bank in money to my as1m. It wrote status success. Meaning the money will be in my as1m?
Or how long would it take for them to process?
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Once you return to the MyASNB page it'll be there.
savvyaunty
post Apr 13 2018, 11:07 AM

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QUOTE(peri peri @ Apr 13 2018, 10:23 AM)
sikit sikit lama lama jadi bukit juga

park your money wisely.

for eg, my friend rather park his money in EPF which gives the higher dividend, how?

he requests his employer to contribute 19%
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EPF can withdraw the additional contribution anytime? The attractiveness of ASx is that you don't have to wait until 50/55 to access your money in case of emergency. thumbup.gif

QUOTE(peri peri @ Apr 13 2018, 10:25 AM)
omg, rm500k is everyone dream.

better diversify in many other channels

eg, flexi home, FD, share market, forex, gold, REIT, property, unit trusts

dont pull all eggs in one bucket.
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Diversification is good but depending on risk appetite. Forex, gold, UT is all exposed to higher risk and requires more research. ASx is sort of a safe deposit for many. Not sure if it will forever be able to payout 6% dividend annually but at least for now it's a good place to keep any extra money.

If PNB close shop, the whole Malaysian economy and stocks will also be affected greatly.
savvyaunty
post Apr 13 2018, 07:35 PM

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QUOTE(peri peri @ Apr 13 2018, 11:48 AM)
yes, practice makes perfect.

always remember, "dont put all eggs in one bucket"

EPF have flexibility to cash all out from account 2 within 7 working days. I did it once and i know how.

Everything is comes with risk. there are no prefect winning formula. dare to try, dare to fail. u will gain knowledge, and experience.

PXB is just a medium to get hold your money to operate.

There are once a forumer said here before, PXB introduce more new plans to lure in more fund and distribute the fund as dividend to others, concept same as MLM. We never know how they operate. We are just attracted to the sweet slightly high from average dividend as "promised"
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How to withdraw money from EPF Table 2 if I am only 20+? Besides reducing housing loan or for education, I don't think there is any other way that I can get cold hard cash from EPF. If got any way pls enlighten us.

There is no perfect formula but ASx is a good starting point for investment. There is not much to study and learn for ASx. Personally ASx is not even really investment, its more of savings account which is better than FD.

Please look up how MLM functions before saying PNB schemes are MLM. The dividends have been going on a downhill since its inception. The larger the fund size, the harder it is to maintain the high dividend rates.
savvyaunty
post Apr 18 2018, 06:15 PM

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QUOTE(veera77 @ Apr 18 2018, 05:52 PM)
Extracted from MSAM schedule:

20 April 2018
Jumaat
10 pg - 12.30 tghr
Majlis Pelancaran Penjenamaan Semula Unit Amanah Harga Berubah ASNB  hmm.gif
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changing harge berubah to harga tetap hmm.gif
savvyaunty
post Apr 19 2018, 10:36 AM

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Seems like got some important speech coming up:
https://www.facebook.com/413717745430066/vi...11022755699557/
savvyaunty
post Apr 20 2018, 11:09 AM

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QUOTE(nexona88 @ Apr 20 2018, 11:02 AM)
Meaning...
Fixed Pricing ASx fund dividend can go below 6% whistling.gif
And the changes from equity to mix assets...
Meaning they would invest into bond / sukuk too...
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Maybank 12 months FD is only around 4%. there goes the min 6% that everyone is hoping for
savvyaunty
post Apr 20 2018, 11:17 AM

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QUOTE(nexona88 @ Apr 20 2018, 11:02 AM)
Meaning...
Fixed Pricing ASx fund dividend can go below 6% whistling.gif
And the changes from equity to mix assets...
Meaning they would invest into bond / sukuk too...
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hmm does that also include bonds in companies like 1MDB? hmm.gif

This post has been edited by savvyaunty: Apr 20 2018, 11:18 AM
savvyaunty
post Apr 27 2018, 01:48 PM

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an hour of typing captcha but habuk also dont have for AS1M
savvyaunty
post Apr 27 2018, 03:10 PM

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QUOTE(dlttdltt @ Apr 27 2018, 03:07 PM)
i also tried asm1 for one hour non stop. Nothing all kosong.
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tried 2 hours d. type captcha until fed up
savvyaunty
post Apr 27 2018, 03:34 PM

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managed to get RM500 after 2 hours of trying then error on FPx page bangwall.gif
savvyaunty
post Apr 27 2018, 11:53 PM

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QUOTE(nexona88 @ Apr 27 2018, 11:13 PM)
lulz..

u hit back the same reply I give others  laugh.gif  laugh.gif

yeah.. better focus on ASW & AS1M for now...
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both also not easy now. tried almost non-stop whole afternoon only manage to get 1K
savvyaunty
post Apr 28 2018, 10:17 AM

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QUOTE(nexona88 @ Apr 28 2018, 08:15 AM)
Since 1 fund is unavailable..
So the pie has shrink.. Thus creating more competition for 2 funds whistling.gif
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exactly! now have to spend few hours to get 1-2K units
savvyaunty
post Apr 28 2018, 10:18 AM

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QUOTE(saitong09 @ Apr 28 2018, 08:34 AM)
lol luckily was rm500 tongue.gif
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haha but still heartache because first success after trying 2 hours
savvyaunty
post Apr 28 2018, 11:40 AM

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QUOTE(nexona88 @ Apr 28 2018, 10:41 AM)
Well u can always escape..
Just don't top up..
Solve all your headache & waste time trying 🙏
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shakehead.gif must be discipline to top up regularly every month as savings. the harder it becomes the least likely I will withdraw from ASx unless extreme emergency thumbup.gif
savvyaunty
post Apr 30 2018, 10:58 AM

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QUOTE(wu ming @ Apr 30 2018, 09:02 AM)
Month end. People try topup once get salary. Try middle of the month usually much easier to get.
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i am among those people lo. don't want to lose the next month's dividend if possible. today quite lucky. manage to grab some units
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