Where got early? So many days already after dividend date. Sure kering already. That day got people report lots of unit available on 2nd day.

1/10 coming. AS1M will be up for grabs. Can park in MMF first or affin hwang select bond fund first, then make withdrawal before 1/10.

This post has been edited by Ramjade: Sep 11 2017, 10:47 AM

AS!M - instant withdrawal, you can't lose your money
Affin hwang seelct bond fund - takes few days to get back your money, value can drop (good evidence when Trump become president where this fund is also not immune and drop)

Your choice.

It can go up and down but not much. The amount it goes up > amount it goes down.
Go to FSM MY > research > chart centre > Type Affin hwang select bond fund > click 1 month

If more than RM25k, no. If you want to withdraw more than RM25k, ASNB > Bank account > cash. Rm1m also no problem.

No transferring allowed. Unless you
1)

2) sell then buy back. But by the time you buy back, can say
- This one got people done before. Go to a state where ASNB is open for transaction on Sunday and perform it.

This post has been edited by Ramjade: Sep 12 2017, 11:54 AM

Well technically he/she didn't bluff you. You can transfer but need to sell first

It matters when you buy it as dividend is calculated based on lowest amount of the month. The final amount = 12 months of calculated dividends.

Correction. Whatever you topup now, won't be counted but will be counted for next month.

Please get your facts right. It matters when you bought them. Dividend is calculated based on lowest amount per month.

If you buy today vs buying on 1/9, big difference you know. If you buy today, it's not counted for sept. If you buy on 1/9, it's counted into Sept dividend.

This post has been edited by Ramjade: Sep 15 2017, 08:32 AM

5. Tunggu cash out

Lots of new people topping up. Me just waiting for SGD to down some more before I make a withdrawal. 6% don't seems very attractive anymore. Park any unused money inside here first while waiting for chance.

This post has been edited by Ramjade: Sep 19 2017, 03:13 PM

Wow. You come in here and stalk me here too?
3.08

This post has been edited by Ramjade: Sep 19 2017, 07:01 PM

Guessing only. Not confirm.

Based on the lowest amount of the month

True. Check out the excel.


Myasnb. Only for buying. To sell, you still need to go to counter. You will received money on the spot.

This post has been edited by Ramjade: Sep 20 2017, 03:49 PM

Not everybody want to venture out. Asal more than FD is more than enough for most people.

No money how to invest overseas? Eg. Some platform require USD10k to open. Now tell me how many can cough up RM43k just like that. To some people RM43k is one year salary.

Not everyone is loaded. Normal people have car loan, house loan, student loan, insurance, bills. Leftover how to invest overseas? If invest say USD500, bank TT + brokerage fees already eat up 20%. So how to invest?

This post has been edited by Ramjade: Sep 23 2017, 01:24 PM

That's what I have been trying to tell him don't know how many threads/posts already but he thinks everyone got rm10m in bank account.

Malaysia interest rate cannot go up. Too many people have debts.

Depend on how you use debt leverage. Can use for trading or use to gain double amount of dividends. 6% dividend can be 12% - debt interest.

Me? Rather than channel what I have into malaysia anymore, slowly I shift them to SG. Nothing much but enough where returns are decent 3 digit cash per year. In SG I pay nothing for their UT. No service charge, no platform fees. If buy from FSM MY I lose 1.75% already.

I am also conservative.

If you have no money, stay in malaysia first. Build up your cash. Start slow.

Once you have sufficient cash, start going out. That time you have a choice to choose continue investing locally or overseas. Eg. You have RM12k cash in hand. You can choose to continue to dump that RM12k into amanah saham, or you can dump into SG reits/UT and earn that same 6% I park in amanah saham first until I see favorable rate, then I convert. That's is what I am doing now. Go slow. Invest say SGD2-3k/each time as I am not loaded. If 3x is too high for you, can consider HK. Only 2x our currency.
Reason: RM long term trend will go down (10 years+)
A 6% returns in malaysia is not the same as 6% overseas over the long term.

Hope this help.

This post has been edited by Ramjade: Sep 23 2017, 07:23 PM

Once you have the taste of alternative safe stuff (not stocks) which can give you same return, you will never have attachment to amanah saham anymore. Is something you need to taste yourself. The only thing I truly miss is instant liquidity.

I am talking about stuff like
- Affin hwang select bond fund (for malaysia UT)
- Some specific UT in SG which can match affin hwang select bond fund.