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 Ultimate Discussion of ASNB (47457-V)发 8ight 发, Wholly owned subsidary of PNB (38218-X)

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Ramjade
post Mar 1 2018, 07:35 PM

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QUOTE(stereobiru @ Mar 1 2018, 06:27 PM)
anyone know what actually different between Unit Amanah Harga Tetap dan unit amanah harga berubah? mind to sharing
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One is good and one is useless.
Ramjade
post Mar 2 2018, 02:43 PM

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QUOTE(stereobiru @ Mar 1 2018, 06:28 PM)
ASW and AS1M, which fund more better bro for your opinion?
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More or less same. Not much difference.

QUOTE(stereobiru @ Mar 2 2018, 11:25 AM)
fix is good?
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Yes. Avoid the variable funds at all cost (ASG, ASN3) Better variable price fund exist.

QUOTE(stereobiru @ Mar 2 2018, 11:30 AM)
this depend on fund ek? because for AS1M, i try topup for 1k for 2x, previous day, successful...
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Nobody sell, how to buy? You can only buy if and when someone of the same race sells their share. Exception here for ASM.

QUOTE(stereobiru @ Mar 2 2018, 11:31 AM)
ok..so, if i purchase through the asb portal, confirm the unit is fixed price unit ek bro?
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Depends in what you buy lo. If you buy ASG, ASN3, then it's variable price.

QUOTE(stereobiru @ Mar 2 2018, 11:33 AM)
if want to open it, juz go asb office n apply it with certain minimum amount of money right? They doesn't care if we already other asb fund right?
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Advisable to go to ASNB office. If cannot choose good banks like affin bank. Of course you can open if you have other funds. No one is going to stop you from getting those other funds.

QUOTE(stereobiru @ Mar 2 2018, 11:35 AM)
which is better, whether focus on 1 fund and then juz topup they or apply few fund and devide our investment of our unit between a funds? Just asking an opinion as now i'm only have AS1M fund..
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Depends on what you want. Buying one fund means getting paid out only once a year. Buying 3 funds means getting paid 3x a year. Buying one fund also means you are restricted to one fund. You can't topup the other 2. Having 3 funds means you can topup all 3 funds

Please read 1st page. What you are asking mostly on first page already got.

This post has been edited by Ramjade: Mar 2 2018, 02:44 PM
Ramjade
post Mar 2 2018, 03:06 PM

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QUOTE(roy_zu @ Mar 2 2018, 02:50 PM)
Quick question, since the limit for AS1M is only 30k, can we top up more into the fund fro Portal?

I tried to put additional 5k and it allow me to go ahead to FPX page
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Can. Use 2 different bank account.
Ramjade
post Mar 2 2018, 03:30 PM

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QUOTE(stereobiru @ Mar 2 2018, 03:25 PM)
Thank you very much for your respond on my inquiry.. very appreciated.. but the thing that i still not understand is on the topup thing that you mentioned about nobody sell, how to buy. I ask because i read in posts here said something very hard to them to do additional investment in a asb portal.. but for me, when i topup my additional investment through asb portal previously, just success.. t
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Because got people sell. If no one sell, you cannot buy. It all depends on timing. If you happen to try to buy when someone sell, then you can get what the other person sell.

That's why not everyone can buy all the time. If everyone can buy all the time, still think got demand?

This post has been edited by Ramjade: Mar 2 2018, 03:33 PM
Ramjade
post Mar 2 2018, 05:05 PM

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QUOTE(TopUpStores @ Mar 2 2018, 04:52 PM)
Just bought ASG-KESIHATAN today i wonder will get the divident for thos one or not if the financial year end is 31 March
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Dividend in variable price fund is not important. It's left pocket enter right pocket.
Ramjade
post Mar 3 2018, 04:36 AM

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QUOTE(TopUpStores @ Mar 3 2018, 12:35 AM)
I know the price fund and dividen relationship but...if i missed the dividen payout this year, the price fund drop means I put inside one year for nothing?
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Whether you get the dividend or not doesn't matter as the value after dividend is the same as before the dividend.

QUOTE(veera77 @ Mar 3 2018, 01:22 AM)
Yes true.1.5billion fund is a election gimmick...but on a positive note, it attracted many Indian to invest in AS1M..as least no more excuses than fund always fully subscribed..

many Indian friend asked me how to open and deposit into AS1M after 30k scheme launched....but as usual some of my Indian friend still complaining 6.0-6.5% dividend is very low..macam lah he can get 10% dividend somewhere else at very low risk...i just leave them keep on complaining for life long..
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Sure everyone complain. With GST at 6%, amanah saham also 6%, it's more or less cancel each other out.
Ramjade
post Mar 5 2018, 08:33 PM

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QUOTE(5p3ak @ Mar 5 2018, 08:18 PM)
I see, what does first 10k mean?  unsure.gif
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Eg. You have RM30k, only RM10K is eligible for bonus while RM20k is not eligible for bonus.
Ramjade
post Mar 13 2018, 03:20 PM

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QUOTE(jhlou @ Mar 13 2018, 01:07 PM)
1. No one knows whether available unit is available for that period. Just need to try your luck.
    If not available this minute, queue again and try until you get.

2. Similarly for online top up. Quota is shared per fund.

3. Top up can be done online or OTC. Forummers here usually do online.
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1.Higher buying chance are available on dividend date.
Ramjade
post Mar 13 2018, 04:34 PM

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QUOTE(WTF2008 @ Mar 13 2018, 03:27 PM)
Many thanks all.

Is there any reference to check when is the dividend date? Where i can get those info?
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If you have read this thread, you would know the answer is on the front page.
Ramjade
post Mar 23 2018, 12:45 PM

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QUOTE(Feliex @ Mar 23 2018, 12:39 PM)
is the coming Dividen available for those who open account & buy ASM in this month (March) ?
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Not necessarily unless you manage to open on 1/3. Otherwise no dividend for you.
Ramjade
post Mar 23 2018, 05:57 PM

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QUOTE(Coconut1980 @ Mar 23 2018, 05:13 PM)
Hi, guys. Just want to check, if I deposit 10k into ASM on 1 march, then withdraw 9k on 2nd march, so the dividend on February will calculate base on 10k or only 1k?
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Putting in money in March doesn't help to count money for feb drividend. Feb dividend is calculated on
1) lowest amount of the month for february
2) when did you deposit your money in feb.

So back to your eg, we can't tell you how much will be counted as you didn't give any figure for feb. What I can tell you is for the month of March, only RM1k will be counted as dividend for the month of march.

Let's assume you have RM0 during feb. Because you put Rm10k on 1/3, the RM10k should be counted in for the month of March provided you didn't withdraw. But since you withdraw out RM9k, the new lowest amount of the month for March is RM1k. Hence only RM1k will be counted.
Ramjade
post Mar 23 2018, 06:15 PM

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QUOTE(Coconut1980 @ Mar 23 2018, 06:08 PM)
O..ok. Mean if I deposit 10k either on 1 feb or 28 feb without withdraw, so dividend will calculate base on 10k. So I can withdraw any amount on 1 of march onwards without affecting dividend on feb right? Which for e.g. 6% will get rm50 base on 10k.
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Wrong. You deposit RM10k on 28/2, your RM10k is not counted for month of feb as your lowest amount is RMX. Not RMX + RM10k. Now, if withdraw everything, not sure if you will have any dividend. That's why people said leave RM100 inside.
Ramjade
post Mar 23 2018, 06:38 PM

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QUOTE(Coconut1980 @ Mar 23 2018, 06:34 PM)
Ok.. Ramjade. Thx for the reply. One more e.g. If i just open new account, If I deposit 2k on 1 feb, 2k on 10 feb, and 6k on 28 feb, after that withdraw 9k on 1 march. Left 1k in the account for 1 march. How the dividend will be calculated?
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Feb RM2k (based on the lowest amount you have)
March RM1k
Ramjade
post Mar 23 2018, 07:35 PM

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QUOTE(Coconut1980 @ Mar 23 2018, 06:58 PM)
Huh, really? Ok. I think I understood. Thanks
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No one is going to give you quick money biggrin.gif

This post has been edited by Ramjade: Mar 23 2018, 07:38 PM
Ramjade
post Mar 23 2018, 08:06 PM

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QUOTE(Coconut1980 @ Mar 23 2018, 07:47 PM)
So basically if I open account with rm100 on February. Whatever amount I deposit in, which is higher than rm100 will not entitle for feb dividend. Only rm100 entitle for dividend. So is better top up a huge amount one shot in one same month instead of multiple small amount right? But normally hard to deposit all amount in one shot.
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If you feel lucky that you can topup on every 1st of the month, then try your luck. biggrin.gif Otherwise just stick to topping up whenever you have cash.

You can topup multiple of RM100 on the same day. Say Rm100 x 100 = RM10k on that day. Not necessary need to topup one shot RM10k. tongue.gif
Ramjade
post Mar 23 2018, 08:48 PM

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QUOTE(Coconut1980 @ Mar 23 2018, 08:27 PM)
So the amount deposited on 1 march is consider march or February deposit? Because I saw post said if they deposit on 1 march, they will entitle dividend for feb also. Confused again. Haha..
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March is march. Feb is Feb doh.gif doh.gif

What you are mistaken is any amount left over from feb is counted into march dividend. Again the same rules applies. Based on the lowest amount of the month.
You have RM0 on 1st of Feb. You put in RM10k on 2nd feb. No dividend will be given for that.
On 1st of March you have RM10k (from 2nd feb). THis RM10k will be counted in March dividend if you dont withdraw. Should you withdraw say RM9k on 2nd March as what you plan, you only get RM1k for month of March. Understand or not?

This post has been edited by Ramjade: Mar 23 2018, 08:50 PM
Ramjade
post Mar 29 2018, 10:59 AM

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QUOTE(jusTinMM @ Mar 29 2018, 10:52 AM)
6.25% better than asw and as1m la wei
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Usually they follow each other. And ASM is the earliest to declare so expect all about the same level.
Ramjade
post Mar 29 2018, 11:01 AM

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QUOTE(alexanderclz @ Mar 29 2018, 10:59 AM)
you all do know EPF bought some 1mdb bonds previously right? it happened before means it might happen again in the future.
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That was before all the fiasco.
Ramjade
post Mar 29 2018, 11:07 AM

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QUOTE(alexanderclz @ Mar 29 2018, 11:03 AM)
yup. happened before, means might happen again. who knows.
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But when 1mdb fiasco materialise, EPF cut loss. Unlike tabung haji which pump more in.
Ramjade
post Apr 2 2018, 11:37 AM

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QUOTE(gonzalo20 @ Apr 2 2018, 10:23 AM)
Can share with me the benefits of ASW? As far as i’m google. The dividen keep on dropping for the past 3 years. Hehe

Seems TH is better.
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TH have been shown to bail out one m deep bee + BNM already issue them warning that they are paying more than what they can afford. Do you still trust TH? I know I won't.

This post has been edited by Ramjade: Apr 2 2018, 11:43 AM

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