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

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lowyatjoe
post Apr 17 2017, 07:09 PM

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QUOTE(theevilman1909 @ Apr 17 2017, 07:02 PM)
thumbup.gif  thumbup.gif

mind asking where you open your account?
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Lucky lah. I want asm. Tomorrow will check it out
lowyatjoe
post Apr 18 2017, 10:36 AM

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bros do u guys think mutual fund like eastspring or cimb greater china fund is better thank amanah saham products? only thing is that it comes with risk

i am thinking of diversfying my investments come this august and now in the midst of saving up in order to invest.

could sifus here point me to rite direction where i can get knowledge(currently i think i am at the basic level compared with you guys) in investing in mutual funds or stock market.

has anyone here made profits in mutual funds or bursa that beats divided offered by amanah saham
lowyatjoe
post Apr 18 2017, 10:52 AM

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QUOTE(Ramjade @ Apr 18 2017, 10:49 AM)
Of course it's better. Well it's fair what. During good times, you get 10-20% return and during bad times you get (-) returns. Amanah saham also fair what. Good or bad time you receive same amount.

See this thread
FSM MY for all UT related
Stock Exchange

With UT it's more of laid back. With stocks also can be laid back. How? Create a defensive portfolio that come rain or shine, money still coming in. But just need to follow news.
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Of course it's better. Well it's fair what. During good times, you get 10-20% return and during bad times you get (-) returns. Amanah saham also fair what. Good or bad time you receive same amount.
= hahah true lah..

thank bro will check those link out..


bro based on malaysia economic data which looks like a bullish market do you think good time to go to mututal funds?
lowyatjoe
post Apr 18 2017, 03:55 PM

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QUOTE(tensixteen @ Apr 18 2017, 12:48 PM)
I have both ASX and UT. For the past couple of weeks, I've been lucky using the portal to top up my ASX. I could use my available funds for UT but as I am a newbie in DIY UT, I am taking the more cautious approach of only allocating a smaller amount of funds into UT.

I guess once you are more confident in UT investing, eg better at gathering and reading market info, then you can always invest more aggressively.

JMHO, you can always start with bond funds / fixed income instead of jumping into higher risk equities to begin with.
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hmm i think that is a good strategy start with mutual fund for me since i am just a newbie.. last time i just save and put all in asb product but now with inflation rate and the ever increasing cost of living and the decline of dividend i need to find ways to optimize my returns. thinking of doing small part time business oso...



lowyatjoe
post Apr 18 2017, 05:37 PM

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QUOTE(Rinth @ Apr 18 2017, 05:31 PM)
Ok guys, I'm very new to Amanah Saham and i'm non bumi. Recently only read up and know that Amanah saham have quota for Non bumi (thought only for Bumi), however i've read up the 1st post and found out that few for non bumi.

Which post shud i start read to understand the whole thing about it?
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http://www.asnb.com.my/v3_/asnbv2_2funds.php#prospektusphs <-- start here

can go through the prospectus as well

diveden rate history you can google it out

for non bumi fixed price asx are : asm, as1m, asw2020

lowyatjoe
post Apr 20 2017, 10:16 AM

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guys in the portal can u top up like rm 660.00?


lowyatjoe
post Apr 25 2017, 09:10 PM

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asd no kuota today.. asm oso same(as of 4pm)

only asw2020 got kuota (but for bumi i think)

This post has been edited by lowyatjoe: Apr 25 2017, 09:10 PM
lowyatjoe
post Apr 26 2017, 04:04 PM

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ASW 2k, asd 1k dapat today
lowyatjoe
post Apr 27 2017, 09:28 AM

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Maybank premier value saver... guys u got hear about this fund ka? Ppl keep promote say better then pnb products... i am not expert but due to risk in my novice experience not so untung
lowyatjoe
post Apr 27 2017, 10:26 AM

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today got dapat put in 3k through portal smile.gif

bros usually how long they take to update the system.. i want to go update book
lowyatjoe
post Apr 27 2017, 10:30 AM

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bro i find it funny la the other day i went to asb like 3.50 pm like that la i ask asm he say full(but ppl here can put money in the same day) then i ask asd he oso say full. only can put in money asw2020

but last two days i update asd amounting to 5k using portal no problem.. next time save myself the journey(petrol and time) just do online lah
lowyatjoe
post Apr 30 2017, 12:42 PM

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QUOTE(nexona88 @ Apr 29 2017, 08:27 PM)
Yes. Can move to as1m depending on units availability..

Recommended to do on Oct 2 as its ex dividend date.. Sure units available because most of us top up that time only...

second question..
It's depending on units availability.. Better to open in asnb branch.. Recommended to open on ex dividend date too..
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However pls be aware of the rm 50k unit per day transaction

lowyatjoe
post Jul 3 2017, 10:47 AM

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Aiyah i think asw dividen would be 6 percent bros

Asd just came out and dividen was 6 percent. Seems tht dividen rate would continue to go down


lowyatjoe
post Jul 12 2017, 10:36 AM

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bro's do reit give better returns than amanah's products?

lowyatjoe
post Jul 13 2017, 11:33 AM

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QUOTE(Ramjade @ Jul 12 2017, 09:11 PM)
Let's give a scenario
5 years ago,
Earning RM9500, monthly essential expenses need RM1000

Now,
Earning RM10000, monthly essential expenses RM2000. (same item) That's what we are facing now. Even with increment in salary, higher cost due to depreciation of RM. Our earning power drop.

One do not need migrate. Just earning powerful foreign currency is enough to cushion the blow. USD/EUR/AUD/GBP/CAD/SGD ke semua boleh use. Have your pick. Cannot depend on amanah saham now. Last time can.
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i agree migrating is still not a necessity yet.
i agree with ramjade that is why i am trying to diversify. thinking of taking out rm 50k to invest outside amanah.. but now exploring other option.. starting to dabble a bit in bursa or maybe set up a small business..

currently after minus house and car i am left with rm 2k .. up till last year my income from consultancy was able to sustain me even save in my asx's but now after gst..etcc.. and etc.. consultancy job is scarce and i decided i cannot rely on it anymore..

hopefully can get some ideas here to generate of earn good passive or active income...


when the going gets tough.. you have to get tough and get going hehehe

This post has been edited by lowyatjoe: Jul 13 2017, 11:42 AM
lowyatjoe
post Jul 13 2017, 11:58 AM

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QUOTE(jusTinMM @ Jul 13 2017, 11:54 AM)
Hi I'm a Chinese and having fund in as1m and asw2020. Is there any others asnb which is recommended and eligible for me?
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amanah saham malaysia
lowyatjoe
post Jul 13 2017, 10:54 PM

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i keep on hearing this fsm thingy.. in a nutshell anyone who invest in funds so far on average get better returns then ASX?


lowyatjoe
post Jul 14 2017, 09:31 AM

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QUOTE(kpfun @ Jul 14 2017, 09:21 AM)
Absolutely, saving for next generation is a most stupid human behaviour. Whereas, saving for living later is a wise thing to do.

Saving is a very big and complicated subject. Those who understand well the saving, definitely, taking advantage of it in their life. Otherwise, the life could be very miserable.

I'm early 50 and enjoying a good life now from my past saving. Money are like dropping from the sky consistently everyday, and yet, I don't have to work.

Saving at the age of 25+ is VERY DIFFERENT than 45+. The power of saving is coming from there.
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i am in mid 30's any good advice on saving..the do's and the dont's

with the rise in the cost of living saving is a challenge...



lowyatjoe
post Jul 14 2017, 09:31 AM

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QUOTE(Ramjade @ Jul 13 2017, 10:59 PM)
Of course. My total return is roughly 12% (after plus up all my funds). Some of my funds making 17%+. Even fund whose mandate invest in Malaysia only is giving me 12-13% return. All this less than a year investing. Started somewhere ine Sept last year. That's just using FSM MY.

If we compare using SG UT, we can get higher returns than what we get in Malaysia (better funds availability)
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ok i should read up on this.. with mgmt fee trustee fee and nav wah quite a lot to read up on
lowyatjoe
post Jul 14 2017, 11:08 AM

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QUOTE(Ramjade @ Jul 14 2017, 10:33 AM)

Avoid ASN. If you are bumi go for ASB & ASB2.
If non bumi, go for ASW2020, ASM,  AS1M
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if bumi you can oso opt for asd.. does not perform better compare any better to asm or asw but past record slightly better than as1m


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