still needs to open account at branch.. NO online

thats mean without min RM100..can open?
just want to double confirm, bcoz going next week to open for my kids..otherwise i have to bring 3 kids x 3 funds x rm100 = rm900

This post has been edited by veera77: Dec 6 2017, 07:00 PM

Yes, I opened 3 acc ASW+ASM+AS1M. Only ASW got unit but ASM and AS1M no unit, still can open without unit.

Thx a lot

What if 1st of the month is a public holiday? If let's say I have 100K on 20/12 and I top up on 1/1 another 100K, and since 1/1 is a public holiday, would the interest be calculated based on 200K or 100K?

Without any withdrawals whatsoever of course.

This post has been edited by drbone: Dec 6 2017, 10:27 PM

Rm200k. Happened before. That's why people here know that day is a public holiday, they topup few days before so that they won't miss out on the first of the month (you can't topup on public holiday as there is no transactions happening)

I just joined ASNB for 1 month
I went to Seberang Prai branch , the staff will ask you how many accounts , and how much you wanna buy
i said 5k , within 15mins , got as1m 4800 , asm 100 , asw 100. and the staff said just use myasnb to top up.
So my advice is , go there , tell them wan open all 3 , and tell them ur budget and wait.

I think ASNB offfices in certain states are open on 1-Jan.

1/1 is a public holiday

Decide how much u wish to have for ur retirement and we can calculate how much u need to save monthly.

Give the retirement fund amount and total year u want do saving..i can help u to calculate

I got kwsp
salary deduct spending
half in ansb half keep in bank

Bro you don't ask that kind of question here. Besides RN200k is nothing to most people here. You haven't seen nothing yet.

How to get so much money?
1) save >50% of your money
- don't fall prey to lifestyle inflation (which means as your earnings increases, your spending also increases). Your spending should remain the same even if you have increase in earnings.
- find ways to make or save money
buy things online and use cash back credit cards as you can save more + input in discount code to bring the price down lower than buying from regular store. The right card will give you rm600/year free money.
- avoid yearly apple/Samsung purchase + daily Starbucks.
It will help you save a lot and those money can be channelled into investment rather than useless item. This will help you to grow your money faster.
- avoid buying branded cars
car is a depreciating asset. You are taking loan to buy a car which means you are paying more for something which decreases in value the moment it leaves the showroom. Stick with small proton or perodua. Save your petrol cost + you pay lesser per month vs if you buy a Toyota or Honda.
- pay less taxes legally
This will put more money into your pocket. Small amount is also something.
- be brave to take risk by investing
You can't grow your wealth if you stick with FD only.

2) work your way up the corporate ladder.
- big boss are paid big bucks.

3) start your own business

Obviously step 1 is the one most people can do. But it requires high discipline.

This post has been edited by Ramjade: Dec 7 2017, 07:37 AM

totally agree! lifestyle inflation is the biggest culprit. After counting how much I spend on Starbucks in 2015, I've stayed away since then. All those hipster cafe is also bad enough. In the long run, I'm happier seeing my net worth grow than a 10-minute enjoyment of a RM13 latte. Plus, some local kopi-o is just as awesome

nvm knew that we can open acc without any unit available.. thanks for the tips.. will go open remaining account
btw the online thing.. can do withdraw?

This post has been edited by yahiko: Dec 7 2017, 11:11 AM

i'm flying long-haul tonite...will priovide once i'm back to back to normal from jetlag...

i'm flying long-haul tonite...will priovide once i'm back to back to normal from jetlag...

Not all state took 1 Jan holiday..
Kelantan, Terengganu, Kedah, Perlis & Johor work on 1 Jan 😀 since its not 😈😈 according to 😊 lifestyle..

Confirmed as I Saw ASNB calendar 2017 😁 got clearly stated which state take which holiday 😊

P/S: I'm waiting for 2018 calendar 😴😴 donno poor guy like me qualify next year 😢😢

Hi, if you are looking for ASW, you can try now. Got 4 digits.

BLURR question.

i started with Amanah Saham Wawasan 2020 early Nov.

the 0.5% per month div . .how it is given? where to check?

if emergency withdraw in December can still get div or just take back capital?

So, that i can plan how much to put into this MYASNB.