You need to transfer this to amanah saham once matured.

Regarding your house, just dump into amanah saham first until you are ready to buy. The extra returns will help. When you are ready, just withdraw out what you need. After all amanah saham can be withdraw on the spot. There's the beauty.

That's partially true. But no point if you increase income but your expenses increases with it also.

That's why first step is
1) save > 50% of your salary consistently

2) step as mentioned above. Expenses is fixed at say rm1k/month.
3) think of ways to increase income

Don't get conned by banks and open ASG ASN3.

What I meant is banks will try to conned you into opening ASG/ASN3 which you should ignore.

Avoid ASG at all cost. Now all bull run. Just tarik. Dividend in ASG is useless. It have no effect.

Dividend from variable price fund is nothing. It's left pocket masuk right pocket

But ASG capital appreciation memang based on KLCI

Learn to understand how dividend in normal unit trust works.
When they give you x cent of dividend, the price also drop by x cent.

So is exit left pocket, enter right pocket.

Correction. Touch your hard earn ASx money when you find good replacement.

You know right dividend in unit trust is pointless?

You can try Sunday as there might be transactions in state which open on Sundays

Got. Our old boss.
If you are from the old threads back before myasnb existed.

This post has been edited by Ramjade: Dec 20 2017, 04:43 PM

Nope. He's one of the master showing us it's possible to topup using banks especially multiple 5 digits each time.

When you have all 3 accounts, you can try different account and not just restricted to AS1M.

If you want to get the January Div, yes. If you topup after 1/1, that amount you topup is not counted for January.

This post has been edited by Ramjade: Dec 20 2017, 10:48 PM

You can sell your ASG and keep money in your bank first, then slowly transfer it into the foxed price fund via MyASNB (like what I did)
All done via MyASNB. I think should auto list out what fund you have. If I am not wrong, you just need to register for one fund and then all will appear in MyASNb

That's why I stopped topping up. When you know of so many stuff that can beat amanah saham, suddenly it don't seem attractive anymore.

Amanah saham fixed price fund was developed to "give a false sense of security" as according to our in house accountant, dasecret it's a blackbox investment where the transactions aren't really clear.

However, if you don't want to do homework, don't want to worry about losing money, satisfied with just 6%, then it's the perfect instrument for you.

You can start with buying UT from FSM. Of course must buy good funds. Buy bad funds then
Investing in Nestle itself would, you would have beat amanah saham.
No malaysian reits will give you >6%. But you need to factor in capital gain (only realise if you sell, otherwise it's all on paper) When you are buying reits, you need to prepare to give back money when they come asking for rights.
Stocks yes can beat amanah saham as shown by
Dividend Magic

For me, I go with the combo of
SG stocks (give dividend of less than 6% but close to 6%)
SG reits (most of my reit give > 6%)
SG UT (wider selection + no need to pay service charge unlike FSM MY which means if I put in SGD1000 into my UT, full SGD1000 will be invested)
Let the SGD do half the heavy lifting for me as SGD will appreciate over the RM in long term

Results:
so far both already beat amanah saham
even my previous FSM MY portfolio have manage to beat amanah saham
But didn't manage to beat Dividend magic portfolio (my SG reit + SG stocks)

This post has been edited by Ramjade: Dec 20 2017, 11:50 PM

It should be worded ASx is the defacto FD choice.

Agreed. That's why I am not a trader and don't use margin. I am a dividend investor.

It should be worded ASx is the defacto FD choice.

Agreed. That's why I am not a trader and don't use margin. I am a dividend investor. Slow and steady

This post has been edited by Ramjade: Dec 21 2017, 12:09 AM

No. I am not pro. Learnt from a sifu. Yes I am a Malaysian. Staying in Malaysia, working in Malaysia, earning RM (main source of income) and earning SGD (side income from my dividends)

Here you go.
http://www.eunittrust.com.sg/Default.aspx

This post has been edited by Ramjade: Dec 21 2017, 12:58 PM

For those wishing for bonus for ASM/ASW2020/AS1M, wish on

It ain't going to happen.

This post has been edited by Ramjade: Dec 22 2017, 02:32 PM

Not possible. Have to agree with Ancient-XinG on this. ASNB funds were created not for us. So why would they want to help us by giving us 7%

Sad but have to agree.

No it's open. You can try your luck