maybe 6.20%

not fair leh. asm only 6.0.

Really?
Insider info huh??

Good.. I'm waiting.. Normally after 2pm, we would know the rate already

Today is last day for dividend announcement..
If still not out.. Don't know that to say to PNB

hahah.. u seriously called them   

yup. kinda disappointed...

so can expect AS1M @ 6% too 

Referring to the article:

Total investment amount held by ASW unit holders = RM 18.8 billion

Total dividend given by ASNB = RM 18.8 billion x 6 % = RM 1.128 billion (as stated in the article)

Gross profit made by ASW = RM 1.38 billion (as stated in the article)

Percentage of the profit for ASW = (RM 1.38 billion / RM 18.8 billion) x 100 % = 7.34 %

If ASNB is indeed very generous, ASNB could have given us 6.5%, since they made 7.34 % of profit.

Yes, we should be grateful of what we have now. But, it is just something worth thinking about. 

Thank you for your feedback .

But I am still confusing , I shall focus on one UNIT trust only or I shall open one more account to invest a bit ..

From your point of view, so open one account or open 3 account is eventually same ?

"AS1M recorded a net income of RM600.47 million, a 16 per cent growth from RM517.28 million in 2016...."

"This involved a total payout of RN724.10 million which would benefit more than 390,000 account holders ..."
Net income RM600m but payout RM720m. Drawing from reserves?

http://www.themalaymailonline.com/malaysia...GzXmBFjvEI54.97

Actually,... IS it time-justifiable to do all these researching and studying ? I noticed a lot of details missing in the disclosures, and things seldom happen according to projections,.. though some err on the upside too,...

There is no certainty,... no ?

ya i understand and agree with diversification. but for now, my risk appetite is almost nil, therefore just remain with asx for the time being.... wanna have some spare cash since im getting married in 2 mths, and hse ready now, so alot of $ needs to be used.. so wanna have some spare cash for cashflow, parking in asx first....

well, if there are any other suggestions that have super low risk, i wouldnt mind.. but as of now, from what i read from all the sifus comments, high risk = high return lol.. so i prefer to stay low for the time being...

just withdrawn 20k from asm today at maybank

Guys, i received all quotation and indicative bank loan interest, for study option of re-finance property to invest in ASBN.

Below is the details Excel spreadsheet, for "300k re-finance loan @ 10 years repayment" vs "force saving the same amount of loan installment without re-finance"

I did not see much difference in earning...and the risk factors is higher...

i have cancel my re-finance application today, and decided to do force saving every month.

hope this could gives us some idea about "investing in ASBN by property re-financing" 
if anyone could not understand the table below, feel free to ask 

Hi bro...u hv very valid question..let me try to explain

In the comparison, the basis is not 300k, but the basis is paying RM3,080 monthly for next 10yrs...which is RM370k.
So, to answer your question, the actual basis is paying RM370k over 10 yrs, with “loan and invest” compared to “no loan, but invest by force-saving, by assuming u have taken the loan”
Option 1

Eventhough i could get 300k loan, but there is upfront fees  i have to pay...one-time cost abt 12k to obtain this 300k.

300k-12k = 288k, which is the actual amount which i can invest in ASNB. Thats why on Day 1, my loan value is 300k but ASNB investment value is 288k. Then i work out the spreadsheet assuming mortgage interest 4.3% and ASBN dividend 6% (assume both constant over 10 years)

Option 2

I don’t take loan, instead invest every month RM3,080, which is the same amount i pay to bank if i took the loan. Which is forced-saving method. In this option, i not need to worry about BLR movement and ASBN dividend trend. Risk free option.

Conclusion
“Taking loan, invest, pay refinance installment of RM3,080” could gives almost same return after 10 yrs, compared to “No loan, invest RM3,080 monthly in ASBN”.

By the way, i might miss some important variable as i only did quick spreadsheet by considering basic variable only.