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

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MGM
post Sep 27 2018, 04:34 PM

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QUOTE(veera77 @ Sep 27 2018, 04:04 PM)
The bitter truth which all of us ignoring...big boom will come soon
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Bitter but Boom? rclxub.gif Shouldnt it be Bust?
MGM
post Sep 30 2018, 10:31 AM

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QUOTE(Ancient-XinG- @ Sep 30 2018, 10:19 AM)
yea. And the return cant be consistence compared to asm.

liquidity major problem
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No liquidity problem for those close to retirement age. On top of that no cost in passing over to nominated loved ones.
MGM
post Sep 30 2018, 10:38 AM

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QUOTE(coolguy_0925 @ Sep 30 2018, 10:23 AM)
True

There were even times where the div were only 4++ to 5++%
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SInce 2011, >6% except for 2016 5.7%, I think in average it is comparable to ASx.
MGM
post Sep 30 2018, 02:31 PM

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QUOTE(gsan @ Sep 30 2018, 02:13 PM)
since last year end of july managed to open acc for asm, as1m and asw, and continuous top up until now, as of today i got dividend 500++. whereas invest in pm fund for almost 5 years, as of today my total profit still -400++
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Total profit -400, -ve means lost?
MGM
post Oct 2 2018, 06:31 PM

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QUOTE(nexona88 @ Oct 2 2018, 02:17 PM)
Hmm.. Maybe...

There's some saying would dropped below 6% this year.. Didn't happen.. So now speculated next year... Next year also 6%.. Then they all speculated year 2020.. And its goes on...

Seriously... We don't really know... Maybe would happen. Maybe Not...
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That is why I take those who speculate dividend < 6% as farting from the mouth. They are no expert.
MGM
post Oct 2 2018, 06:33 PM

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QUOTE(nexona88 @ Oct 2 2018, 02:17 PM)
Hmm.. Maybe...

There's some saying would dropped below 6% this year.. Didn't happen.. So now speculated next year... Next year also 6%.. Then they all speculated year 2020.. And its goes on...

Seriously... We don't really know... Maybe would happen. Maybe Not...
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That is why I take those who speculate dividend < 6% as farting from the mouth. They are no expert. May be to scare those vulnerable people to sell so that they can buy.
MGM
post Oct 2 2018, 06:44 PM

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QUOTE(nexona88 @ Oct 2 2018, 06:35 PM)
Well there's possibilities...
Remembered when AS1M launched years ago... The famous 4% only divided rate... No wonder first few month.. Take up rate so slow...
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Yes all around me ppl told me that and thanks to them n lucky me I cashed out 100% of my FD and change all to AS1M. Now after 9 years+ I am still holding them. Only sold 23k so far.
MGM
post Oct 2 2018, 07:13 PM

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QUOTE(nexona88 @ Oct 2 2018, 06:59 PM)
Same here..
Open on first day..
Heavy rain... Still I went open account.. Wait for 1 hours for my number.. Really worth it.. And best.. My first year dividend is extra from what I calculate.. Guess PNB gave "bonus" for those invested from day 1 😎😎
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I don't think there was extra, they started selling AS1M in August but financial year started on 1 Oct. The extra was probably for those period b4 1 Oct. So 1st dividend was for 13months.
MGM
post Oct 4 2018, 12:11 PM

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QUOTE(samuraix79 @ Oct 4 2018, 11:28 AM)
No choice loh, only have funds here left. Other banks dry dry  cry.gif
Ok la, call it a day until they fix M2U.
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If only FPX@M2u got problem, u still can IBFT your MB funds to other bank accounts.
I can log into my MBB apps
MGM
post Oct 7 2018, 10:26 AM

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QUOTE(Gabriel03 @ Oct 7 2018, 09:57 AM)
Just an extra info that might interest you :

I initially did that to buy more ASM3 (previously known as AS1M) under my father's account (Najib gave special allocation to Indians) but I realised in the unlikely event that my father passes away, there is a big disadvantage in ANSB.

http://www.asnb.com.my/v3_/pdf/perkhidmata...araanamanah.pdf

The nomination procedure (for non Muslim) requires RM 180 (currently promo RM 100) for registration and a yearly payment of RM 10. Besides that, during the transfer of asset, ANSB takes a small cut. I did my math and in the end, I transferred all the money to my ANSB account.

All extra money that my dad wants to save, I suggested that he perform self contribution to EPF (up to 60k per year). This is because he is above the retirement age (I double checked that retiree can still do self contribution). So, he can withdraw anytime he likes and that the nomination procedure in EPF is FOC as far as I am aware.
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Good move for investing in EPF than ASx for your father.
But what if u go first, and u dont have pengisytiharaan amanah(which I think is cheaper than will) for your ASx?

QUOTE(vanitas @ Oct 7 2018, 10:11 AM)
I got consider epf for my parents as well, but seems partial withdrawal is easier via asnb.

Anyone can tell how much small cut that asnb takes via nomination process?

Anyway, you can always transfer your father units to yours to avoid that cut, when you feel the time is near, with only RM 15.
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If life is so predictable.
MGM
post Oct 7 2018, 11:19 AM

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QUOTE(Gabriel03 @ Oct 7 2018, 11:09 AM)
The thought of doing a pengisytiharan amanah for myself has crossed my mind and at the moment, I am procrastinating of doing it but it will be done in the future. Hopefully, before it is not too late.  tongue.gif
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It is especially useful if u have dependants who are not investment savvy, cos your units in ASx will be transfered promptly to their accounts upon your demise.Moreover currently PA is offered at rm100.
MGM
post Oct 7 2018, 12:20 PM

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QUOTE(vanitas @ Oct 7 2018, 12:13 PM)
What I mean is register for pengisytiharaan amanah, but transfer units when someone get cancer or some serious illness to avoid cut.

Yes, life is unpredictable, so there is always plan b.
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U can do that when a person is critically ill but not unexpected event like accident, sudden death, murdered.

This post has been edited by MGM: Oct 7 2018, 12:21 PM
MGM
post Oct 8 2018, 03:26 PM

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QUOTE(KahiSun @ Oct 8 2018, 03:10 PM)
Keep having maybank error today
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Yeah me too, but app ok.
MGM
post Oct 9 2018, 08:12 PM

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Is there a way to do direct transfer to another unitholder on 1Dec 2018 (Saturday) so that both parties do not lose on dividend? PosMalaysia or agent banks that open on Saturday?
MGM
post Oct 9 2018, 08:21 PM

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QUOTE(nexona88 @ Oct 9 2018, 08:16 PM)
From what I know..
Only ASNB branch know how to do the transfer...
Agents kinda noobie about it.. They would ask u back.. Such thing got meh?? laugh.gif laugh.gif
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Yeah betul, PosMalaysia n agent banks may be can do but don't know how.
MGM
post Oct 11 2018, 05:54 PM

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QUOTE(john123x @ Oct 11 2018, 05:22 PM)
This week i perform over 70 FPX transactions of RM100 each.

I kinda hope to win some prize from the recently FPX contest.

If anyone here got ASM from myasnb, please inform. I didnt give it a try, as one forumer told me its unofficially suspended.
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Which FPX contest, can share the link?
MGM
post Oct 11 2018, 06:53 PM

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QUOTE(john123x @ Oct 11 2018, 06:24 PM)
FPX Nationwide Campaign - Maybank Link

user posted image?
hlb link

user posted image
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TQVM. thumbsup.gif
MGM
post Oct 15 2018, 10:17 AM

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QUOTE(honkkydorry @ Oct 15 2018, 09:37 AM)
At the bank counter, I withdrew some units from one ASx and transferred that to another ASx account. There was a reason for me doing that transaction at that time and luckily there were units available so I was able to do the transfer.
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What time n day u did the transfer?
On the 1st day of the month?
So u saved rm15 with risk of not getting the units.
MGM
post Oct 17 2018, 03:43 AM

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QUOTE(nexona88 @ Oct 16 2018, 10:21 PM)
I got doubt can sustain 6% dividend rate for next year  icon_question.gif  hmm.gif  hmm.gif

but would be happy if they can.. really respect them when the market portfolio / stock at losses  rclxm9.gif
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QUOTE(Ramjade @ Oct 16 2018, 10:45 PM)
Maybe my prophecy is coming true? Remember how I said asnb can only sustain 6% dividend for about 3 years+?
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https://1-million-dollar-blog.com/dividends...m-wawasan-2020/
Klse was below 300 during the 97-98 financial crisis.
Dividend has always been more than 6% all those years since 1997.
MGM
post Oct 17 2018, 11:57 AM

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QUOTE(smokymcpot @ Oct 17 2018, 11:40 AM)
Ah, alright. Thanks. So what is the cut off time for me to purchase the funds and still be entitled to full dividends?
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U want full dividend u have to invest since 1Sept2017, 1 full year. Pls take note this is unlike shares in stockmarket.

This post has been edited by MGM: Oct 17 2018, 11:57 AM
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