hey guys,

do the online portal clearly show your dividend credited into your account every year? I just done the online registration today and it's empty inside.

U mean like example one person have two ASM account under his / her name??

Then nope .

If u saying multiple asnb account.. Then yes.. ASM, asw, as1m, ASB, ASB 2, ASD, asg , ASN, ASN 2 or ASN 3 😁

Hmm like weird only...

Don't have such thing leh

No specific conclusion @tonytyk. Just an illustration only..

After did few spreadsheet studies, personally i feel, doing monthly contribution into ASBN is preferable option than taking loan.

Keep your financial credit score, for other essentials investment such as property, education, unexpected situation.

Correct me if I m wrong, you mean taking loan to invest asnb upfront 200k is worst off than progressive saving to asnb?

Difficult to say bro...if both loan interest rate (4.5%) and ASBN dividend (6%) spread, which is now (1.5%) unchange or the spread widen further...than its ok to take loan and put in ASBN.
But if the spread narrow down or in worst case, goes negative..then we must react fast...withdraw ASBN money and settle the loan.
So, many risk associated in this option. But if investor understand fully the risk and know how the handle the risk. Then its very fine.

Again, taking big loan in early career..might cause difficulty in obtaining home loan...bcoz lower credit score..unless bank willibg to consider ur ASBN saving/dividen as asset/income.

So its fully depending on individual. Difficult to generalize.

Ya meh, cause someone told me few years back

Yes, what I meant was one particular account like ASM. Your answer cleared that up.

There's also people who said above 60yo don't entitle for dividend 😀 and many more incorrect info

Thanks for running the numbers, now gotta think long and hard before I start working full-time. The BR or dividend rate might change but one could just terminate the loan before things so sour. Doesn't seem so bad since there's still an "out" so to speak. Anyone else have any thoughts?

Based on news report I saw..
Next year there's high possibility of rate hike by BNM..

So just be careful

Don't listen to anyone, just check with EPF. I still received my dividen in end feb this year.

1. Regarding EPF 1 juta...actually there is option to withdraw if u have more than 1 juta...e.g let say ur EPF balance 1.2 juta...then u can withdraw 200k..even u r below 55 yrs old...
if u decided to keep all 1.2 juta...u still will get dividend for 1.2 juta

http://www.kwsp.gov.my/portal/member/withd...han-rm1-million


2.0 Regarding dividend...EPF will credit dividend until age 100 yrs old


http://www.kwsp.gov.my/portal/documents/10..._19.07.2017.pdf

This post has been edited by veera77: Nov 12 2017, 03:25 PM


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but they quote RM1.05m instead of RM1.0 mi?

Minumum withdrawal amount is 50k...thats why mentioned as 1.05 juta...so u could withdraw that 50k..

Managed to get some ASW2020 units

go check it out asap

How do you all check the limit of ASB?

guys sorry to take a shortcut question here, too lazy to read the previous posts, when is the best time to buy in every month? is it on the 1st of each month? thanks

last week of each month..

additionally before & after Holiday

If this month, the 1st of dec fall on Friday. DO you think is a good day to masuk?

I plan to open ASM or AS1M account.

Other than that, I had registered MyASBN account in the portal, so if I successfully opened any of the above 2 accounts, it will automatically appeared in my account at the portal or?

Thank you