Ah I get it now. Thanks so much!

Can get your advise? I have a bond fund with PB, bought since long ago when I was fresh to investment and didn't do research. After calculating XIRR, its only 4%. Should take out all and put into ASNB instead? Much higher returns right? Was going to consider KGF but like you said unit trusts operates differently.

ASG cannot meh?

I wonder since many don't come back to Malaysia..
How do they all withdrew their ASx money???

No one have answer this question??? I'm curious..

Okay..
On the part of withdrawing & then TT overseas without coming here??

Remembered someone post that?? How can such thing happen???

Thank you, bro,... appreciated yr explanations,... wow, really great gov't we have here,... I think this is the only country like this,... in SG, they are bonded,... If nobody disputes to your statements above after this, then they are true.

Then,... if full schemes, without bonds, then surely many run away after they studied overseas. The overseas gov't also may take them,.. If full schemes without bonding, just aids,... there is no reason to track them down, bro,... they have ALL the rights to run away,...

I think ONLY Malaysia has this kind of privilege for her people,... err, the Bumiputras. ... Yes, that's why brain drain,... The New Economic Policy benefitting other gov'ts and other countries in the end.

I beg to differ on the current PTPTN, bro,... it's more strict now, they are really putting in effort to collect back the loans.

Yes, mentality,... I call it differently,... I call it the quality of the people.

Anyone know of any way to withdraw ASB funds if you're abroad ie without being physically present at the counter? I know you can deposit/invest online e.g. via Maybank but withdrawal usually requires going to the counter. Thanks

Yes agree what u said no point putting money in the bank as saving account.
FD interest rate is low
Tomorrow going to open ASM account 😁

Ytd i purposely take half day leave, went to Affin Bank near my house to open ASX account.

The staff "opened" a "general" ASX account for me.
However when the staff trying to open either 3 of the non-bumi fixed price fund for me, it was all out of units, even after several trials.

The staff asked me to come again to try my luck when I am free.

So now I opened a "general" ASX account, but do not have any specific fund (e.g ASM, ASW, AS1M) under it?
Feeling meh ..... didn't know it works that way.

If like this, can i go Maybank near my office to try to open the specific fund?
Or i am forced to go back to that Affin Bank branch only?
Forgot to ask the staff, feeling blurred at that time cuz didn't know it works that way.

Remark: The Affin Bank's staff didn't provide me any document at all even i already opened a "general" ASX account.

ASG u means Gemilang? I am sure that is not the case.

The staff did asked me which account i want.
and i specifically said ASW, ASM, AS1M.

i thought you are suppose to get an account #

if they tell you no units available, there is nothing you can do

since maybank is near to you, just go everyday. Now i believe only ASM has better chance.

ASW announcing interest for 2017 on 31/8

AS1M on 30/9.

Visit after these dates, i guess better chance to secure these 2

First thing that you all must do is,.......................

TO GAIN INVESTMENT KNOWLEDGE !!!!!!! No other way to start !!

haha just curious any formula to estimate payout dividen formula?

See who's talking..
Sendiri have million in ASx, asking who who

it will not be far from ASM or AS1M. likely 6.1 to 6.3 imo. anyhow, tomorrow last day to topup ASW before closing for dividend calculation.

Thanks Alex,

May I know how they give dividen ? bank in to account?
and dividen rate is prorate from purchase date?
tqvm

If I have bullet on 11/9 should I top up for ASM or asW ?
Is it both also don't give one month dividend of top up on 11/9 for Sep month?

Dear all, I'm starting to read this thread, now at Page 22 

Went to Maybank branch last Friday to ask how to open accounts for ASW, ASM, AS1M.. Staff informed me they cannot open account because they cannot see if there is any fund available. Advised me to open at PNB branch because they know real time of fund availability. Maybank staff then informed me that once I have an account, I can top up fund OTC as they can check whether there is any fund available. I konfius, why now can see when if there is any fund available when to open account they cannot see the funds availability.

Went to post office, told the same thing, advised to go to PNB office to open account.

Call up PNB office, was told no fund available and there are two person waiting to open account there (in other words, don't waste your time coming here)

A few questions which I hope experts here can clarify:
1. Does it mean that I have to camp at PNB office to open account, before I can do the topping up at agents? This is a problem due risk of holding too much cash as I won't know how much fund is available on that day.

2. Can I view availability of fund if I link my newly opened account to M2U and buy online? The MBB staff told me can sell online, but to top up I must do it OTC.

3. Was told by Maybank, I need to open separate accounts for ASW, ASM, AS1M. True?

2. After opening account, do we have access to Myasnb by default, and payment is by internet banking? I thought it can be done in M2U after I googled and got directed at M2U page.
Edit: just remembered what you wrote about the RM1.06 by MBB regardless of success or failure.

Once again, thank you both for your time and explanation. Much appreciated. Meanwhile, I shall continue reading this thread.

Took out my FD to put in ASx also. But 4 digit amount only. Can't even qualify for most FD promo, no point park in FD when ASx got better returns

I will try open an account tmrw.

Just want to clarify a few things
1. Can we withdraw online or can only be done OTC?
2. How is the dividend calculated? Lowest balance based on each month?
3. Topup and withdrawal can only be done on working day?
Thanks in advance

is the any service charge imposed by bank ejen if we sell asm at bank?

If let say wanted to sell everything one day. Is there any max limit per day? Just in case anything happen and wanted to withdraw lumpsum. Can agent bank trf everything or need to go to Pnb office?

Sorry ramjade, could you explain this? How come cannot topup for one year? This dividend is kinda confusing. I thought even after dividend declared you still get it based on lowest amount every month? And can topup whenever? Sorry if I got it wrong.

after open account with ASM rm100, can top up ASM only? can buy ASW/AS1M online?  tqvm

Hello guys I am just 19 this year and I have 10k. Which plan should I invest in to pay off my study loan partially in 5 years time? Thank you.