because some negative sentiments these two years.

1. investment in KL118 / warisan merdeka tower.
2. linking of PNB to 1mdb. It was mentioned by rafizi that pnb bought sukuk bond from 1mdb.
3. outgoing of tun mohd sarji/kamah piah. later replaced by maybank CEO wahid. (which i think it is positive. Wahid loves investment in FINTECH)

If you read the Annual Report sent by PNB you should aware of about 10% (>50K unit) of investors holding 70%-80% of the fund!!!
I'd suggest you read carefully the annual report and look at their portfolio.



This post has been edited by ch_leong: Jul 31 2017, 11:50 PM

both ASM and AS1M are available now. ASW no fund.

LMAO. U made my day.

Probably he is referring to 100K ppl who invested >RM50K and 7K ppl who invested >RM500K are not wise. hahahahah.

not managed to top up ASW. but ASM and AS1M plenty. No luck.

Want a balanced portfolio among three funds. thats y need work harder on ASW

FPX
An online payment gateway system to facilitate payment between participating financial institutions

Minimum limit per transaction:
RM1.00

Maximum limit per transaction:
RM30,000

*The above transaction value limit, however, is subject to the customer's individual Internet Banking limit with the bank, whichever is lower.
check your maybank2u transaction limit settings.

let me try the game

so sad. time to sell perhaps

monday will announce ASW2020 dividend? XD

faster sell it then

2017=asm=asw=as1m=6% LOL

Maybe will rebrand. Amanah Saham TN50

quite easy to top up any ASX fund today with a small amount between 500 to 2K

you need to do more research on other funds if you want VP fund. So many fund out there providing various return and different combination.
One way to start is by reading materials in FundSupermart. You can check out the fundsupermart thread.
I did park some $$ into VP fund under PRS category to claim income tax deduction.



This post has been edited by ch_leong: Dec 1 2017, 10:58 PM

You need to keep operating cost as low as possible. The more branches you opened, the more overhead incurred. Who pay branches rental, computer, electricity and manpower?
This overhead is taken from your pocket.
When you use agent, you have less overhead. Agent charges based-on number of transaction basis.
You made a point, when they open branches, they take cash and give cash. Where is this cash from? Handling cash is very risky and involved a lot of cost. You need security, then need security van to deliver cash and send cash.
So, i think the best is close all the branches. Let online platform, post office and bank run for them. Better still if they can leverage fundsupermart to help them on the VP fund.

If you run carnival in pavillion and mid valley, who pay the rental? If you do at padang, it is very low cost. In fact, the new PNB boss is very pandai in cost cutting. They no longer need send paper statement, update passbook. imagine the cost of sending annual report. Assuming each cost RM10 to print, pack, send. 1million subscribers incurred RM10million.
How good if this 10million is giving back to you?

Look it at this way, a little bit of inconvenience which gives you a better return.

This post has been edited by ch_leong: Dec 4 2017, 12:03 AM

I hisgh suspect a few factors

1. Unit diluted because of dividend paid in unit. If they distribute you RM, you would have better return. (possible)
2. New unit invested in new investment does not yield a better return especially in equities because new shares bought in higher price.
3. Existing investment does not perform well as compared to previously.
4. They retain the earnings for future.
5. some monies being invested in the new 100 storey building which the current chairman does not like it but he has no choice because the whole thing already started.

Do check out their P/L statement in the annual report.
A few thing you will notice
1. Increasing of overhead - manpower/salary and agent fee. Which now they try to control it by using MyASNB top up. there will be one time expense to build this system.
2. Increasing of management fees.
3. Decreasing of investment income via dividend. which indicated that Malaysia equities does not pay a better dividend.
4. They sell more shares to get more income to distribute to unit holders. Not sure good or bad unless they deemed such sale will dispose bad shares, or, those shares are part of investment return or treasury shares given by companies.

all sapu by yvonne

no luck today
The transaction was declined due to insufficient units available. Please try again later (068)

today i no luck also

cimbclicks? you shd register in MYASNB not cimb