No need to be so worked-up,.... judging from your write-up, you seemed to be so 'entrenched heart, soul and mind' into this PNB stuff. Nobody has said anything after my statements, only you are going over your peanut brain, getting so worked-up,...

The last time we talked about trying to learn more abt investments, you gave a story abt your friend who is a school-teacher and who has no means to learn abt investments,... then you got worked-up too in your write-up back then,... you are doing it again here,....

This is just a forum,... don't get high blood pressure-lar,... you are young, take care of yourself,...

Everybody knows about diversifying,... no need to repeat-lar,....

Yeah,... I think, by far,... if I am to invest in MY, I will still go for PNB Fixed Price Funds,... for diversifying into the MYR,.... let PNB do the investing out there for me,... it's proven.

Yes,... 97 and 98 challenge not gone thorugh yet,...

And bro, the KGF is still,... a retail fund after all, not affiliated with our gov't, and comes with the necessary risks which I don't have to explain to you,... The risks would be higher than that of the PNB Fixed Price Funds. What you are seeing is on hindsight, looking back at (good) things that have happened.

My Bro is a sifu again,...

Yeah,.. But I foresee the foreign direct investments of our funds moving out will slow down,.. because Msians can't open accounts easily overseas anymore,.. just like American Citizens, PRs and residents can't open accounts outside of The US,.... when more countries in the world start to investigate in the 1MDB matter,... Msians will be focussed upon,...

Or the other sad possibility is,... not many people have cash savings anymore,... or perhaps many have moved their assets from cash form into other instruments that wold be able to hedge its value better, since we all now the MYR is 'dying', and losing its value everyday,...

Haha, bro,... straightforward answer,... really pro,...

OKay, what if neither Bumi nor Non-Bumi,... ? What to buy ??

Got,... those who have two or more citizenships, but still held-on to their ICs,... which is not legal in Malaysia. If a Malaysian has obtained Citizenship in another country, he/she must surrender the Msian Citizenship, and sell-off their PNB Units for true Malaysians to buy.

I know of Malaysians who studied overseas under gov't scholarships earlier from my old days who are still holding-on to their ASB units and have the dividend TT"ed to them every year. Haha,... and guess what, they never returned to Msia and have gotten Aussie citizenships.

So,... they can claim Aussie benefits and PNB dividends.

I know PNB is monitoring this forum,...

Bro,... if we want to ask,... many, many questions will pop-up, and many, many infringements and violations will be unearthed,... anyway, let PNB handle this,... we are not here to provide proof,...

And secondly, in Kangkung Land, there are many legalised exemption cases and allowances everywhere. Such is the legal system.

Right,...

Just learning from you, bro.... these students under the JPA Mara schemes earlier, were they given scholarships with bonds or were they given study loans ?

Ohh,... don't understand yr statements,.... bro,.. someone ?

Thank you, bro,... appreciated yr explanations,... wow, really great gov't we have here,... I think this is the only country like this,... in SG, they are bonded,... If nobody disputes to your statements above after this, then they are true.

Then,... if full schemes, without bonds, then surely many run away after they studied overseas. The overseas gov't also may take them,.. If full schemes without bonding, just aids,... there is no reason to track them down, bro,... they have ALL the rights to run away,...

I think ONLY Malaysia has this kind of privilege for her people,... err, the Bumiputras. ... Yes, that's why brain drain,... The New Economic Policy benefitting other gov'ts and other countries in the end.

I beg to differ on the current PTPTN, bro,... it's more strict now, they are really putting in effort to collect back the loans.

Yes, mentality,... I call it differently,... I call it the quality of the people.

Some of my friends said they don't have to withdraw,... just leave the money in ASB, then the money will compound itself every year. If they come back for holidays, then they can selloff units to use some funds.

Unless, of course, they can find better ways to make more money with that ASB money, they will just leave the funds inside the ASB ! But recently, quite some people are withdrawing the funds out, because earning that dividend is not enough to cover the weakening of the Ringgit.

SO,... they sold their units from ASB and TT the funds out,...

Times are changing,....

Haha,.... correct, bro,... err, that's what my friends told me too,.... those who came back and are in the country, they will be locked-out from going out again,... till they pay-up. Those who did not come back,.... haha,.... no need to pay,....

BUT : if you don't want to come back, you must be sure you can survive outside, get a PR,... and succeed in life there. Their parents and relatives will visit them there, because they dare not come back, in case the Immigration won't let them out after that.

I think, today,... it's not so easy to remain outside anymore after they concluded their studies,... I heard the gov't will make arrangements with the overseas educational institution to monitor such students, and ensure their Student Visas are cancelled once they complete their sponsored-studies.

Again, times have changed,....

Ok,... NO other countries in the world will treat their indigenuous people to this high level. Malaysia has been good to The Bumiputras.

Problem is, today, times have changed, resources are lesser to go around for everybody, hence, the tightening of the belts. Doors have been closed.

Selloff,... where do you then park your funds ?? Sorry to comment ike this, but most Malaysians have no investment knowledge,...

Err,... JJPTR was earlier set-up actually to, in a way help a certain community make money from investments, but their problem was they were not licenced by the authorities. I would think that mgmt has 'the commitment' to do so,....

First thing that you all must do is,.......................

TO GAIN INVESTMENT KNOWLEDGE !!!!!!! No other way to start !!

Hi Vincent,...

I can't see the 'remaining' dividends to be credited in inside my session. I have disposed all of my ASW2020 units back in Jan/Feb this year. Where to see pls ?

Very productive use of time,....

That's right,... checked back into my records in between listening to SGX-CFA Conference this morning,... a screen-print that I made dated July 23rd this year shows I still have RM100 in ASW2020.

I was not so precise in my earlier statement.... but I'm glad I made it, it reminds me not to selloff everything in future. Haha,...

Back to my earlier question : why has not shown the divvy credited in yet ? Need to wait till coming Monday ? Learning the system,...