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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 Feb 3 2017, 07:49 PM

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QUOTE(cklimm @ Feb 3 2017, 06:36 PM)
News from Tabung Haji thread next door: 4.25% this compared to last year's 5%
Combined with steep drop of ASB last month, I am now worried about ASM, AS1M, ASW
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Insider info said dividend limit will be at 6%

QUOTE(Jinglexo @ Feb 3 2017, 07:43 PM)
If I purchase AS1M units today, do I get the dividend in oct 2017? Or I have to wait next year ?
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Of course. But you only get dividend for March-Oct. Dividend is based on lowest amount of the month.
Ramjade
post Feb 3 2017, 09:48 PM

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QUOTE(Jinglexo @ Feb 3 2017, 09:33 PM)
Yes. It makes sense a lot. A trustee is of no use as what the gov can do like 1mdb. By the way u said changed from fp to vp , what does that mean?
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Which means changing from RM1/unit to normal UT (variable price). ASNB have bad record with variable price fund.
Ramjade
post Feb 4 2017, 08:20 AM

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QUOTE(Jinglexo @ Feb 4 2017, 07:55 AM)
I see. Yeah. that will see our holdings reduce tremendously if the fund perform badly right?
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Precisely. That's why must moniter.
Ramjade
post Feb 4 2017, 09:30 AM

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QUOTE(Jinglexo @ Feb 4 2017, 08:35 AM)
Is it much convenient to have may bank saving acc? Assume I am convenient to drop by may bank each time for top up/ buy new units? Would it be easier they Striaght deduct from there ? Coz I dislike hassle fill up many forms 😂
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Yes and no. Yes because straight deduct but you need to fill in 2 forms tongue.gif (ASNB deposit form, maybank withdrawal form). No because Maybank is not the best place to topup.
Ramjade
post Feb 4 2017, 10:56 AM

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QUOTE(plumberly @ Feb 4 2017, 10:38 AM)
I bought some UTs in the 1990's as I was a novice in investment (and still am). Share then was too difficult/risky for me beside IPO. Made some easy money with IPO then, Even my mother and little sister have made some money in IPO then.

Now I will stay away from UT with a 999 km pole as most of them are there to make money for the companies. Yes, there are some UTs which have produced good/fantastic returns. What I hate most on UT is the yearly charge REGARDLESS of whether their UT is making money or not!

Lots of books I read also raise issues like this and recommend to stay clear from UT. I have to admit, I still have PM UT for my PRS. Got that mainly for the tax benefits.

Learnt of a new vehicle ETF which is a bit like to UT but without most of the charges. There is a forum here on ETF. Surveys show that most UT performed lower than index funds. Why pay these UT managers while their share selections are not really that good? ETF centers on index funds with the added diversification automatically built into them.

Study on ETF and then decide.

All the best.
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ETFs need deep pockets as it's based on the US mostly. They will charge us 30% on dividends alone. Heck even if you can get around the 30% dividend, you will get slap with 15% tax on dividends (if buy from LSE)
Ramjade
post Feb 6 2017, 10:40 PM

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QUOTE(sandkoh @ Feb 6 2017, 10:36 PM)
no luck for few tries. sad.gif
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Wow you also try? biggrin.gif tongue.gif
Why FD rates too low or stalking unker lim? brows.gif ph34r.gifbruce.gif

This post has been edited by Ramjade: Feb 6 2017, 10:40 PM
Ramjade
post Feb 6 2017, 11:00 PM

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QUOTE(Tollebunsmith @ Feb 6 2017, 08:38 PM)
Still looking for a better passive income...safe type...
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Affin hwang select bond fund/Rhb islamic bond fund
Ramjade
post Feb 7 2017, 07:31 AM

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QUOTE(Jinglexo @ Feb 7 2017, 12:13 AM)
Hi guys, is there any maximum withdrawal limit for ASIM if I intend to withdraw in future? Heard from relative that when she wanted to withdraw each day is allowed for rm25k only. Is that so?
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That's if withdraw in cash. If withdraw to account, unlimited.
Ramjade
post Feb 7 2017, 08:13 AM

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QUOTE(Jinglexo @ Feb 7 2017, 07:53 AM)
I see. No wonder. That means if wanna withdraw just go to the Amanah Saham office and fill up form? Can agent banks allowed us to withdraw?
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All place you fill up form. Only difference is Amanah Saham Office you can only withdraw in cash.
Ramjade
post Feb 7 2017, 08:20 AM

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QUOTE(kpfun @ Feb 7 2017, 08:13 AM)
Yah - but, withdraw for what, a better investment option, or go for simply spending rather saving.

Any low risk investment options are better than ASNx or EPF in the market?

Emotional withdraw, indeed, is a stupid action.
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I have already listed out the alternative above.
Ramjade
post Feb 7 2017, 11:13 AM

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QUOTE(Jinglexo @ Feb 7 2017, 10:58 AM)
Was told to come back month end. Tried my luck but no units available. Luckily it just took my 15 min waiting time.

By the way what's the difference filling blue and red form? Is it the difference between fixed price units and variable price units? Just curious , forget to ask the staff just now. 😅
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Blue - you want to topuo.
Red - withdrawal
Ramjade
post Feb 7 2017, 02:16 PM

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QUOTE(Jinglexo @ Feb 7 2017, 02:08 PM)
I see. I thought is different unit trust fund. Nice info. But today saw a lot of people filling red form. Dividen haven't declared can withdraw first? Is it withdraw partially will not affect total dividend paid based on previous total holdings unit?
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Can. Just that your dividend will be reduced lo. Dividend is based on the lowest min amount of the month. Amanah saham is liquid. Anytime can withdrawal (working hours on workday)
Ramjade
post Feb 7 2017, 08:56 PM

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QUOTE(sandkoh @ Feb 7 2017, 08:17 PM)
so many uncles from fd try, i cannot? bruce.gif  ranting.gif

i still have to learn from tun ram on stalking people. now tun working? now change from student to 30k per year salary guy?

you got slamped in fd and escape to other threads!
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So many uncles but all these while you keras2 FD fan boy what. tongue.gif You are welcome to try. I stop ASX FP long time ago liao. Planning to withdraw 50% of it in about 2-3 years time. You are welcome to rebut my units tongue.gif rclxms.gif
Ya lo. Not like unker earning RM30k/month notworthy.gif Me poor kid only sad.gif
I GIVE UP FD because rates are miserable not because kena bomb. brows.gif Left only 1 more 2 more FD certs tongue.gif After that FD free biggrin.gif

This post has been edited by Ramjade: Feb 7 2017, 08:56 PM
Ramjade
post Feb 7 2017, 09:20 PM

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QUOTE(alexanderclz @ Feb 7 2017, 09:04 PM)
new working fella should start saving 3-6 months of emergency funds in which it's totally safe (not sure if asx counts)
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Already did that liao when I was a student. > 3 years fund. Enough or not? tongue.gif
Ramjade
post Feb 7 2017, 09:28 PM

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QUOTE(alexanderclz @ Feb 7 2017, 09:25 PM)
lol. got 90k not doing anything about it then wasted lar. emergency fund = fd, savings acc, under ur pillow  biggrin.gif
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Who say not doing anything? bruce.gif It was all parked in ASX and FDs. biggrin.gif
Actually not RM90k. Way way way lesser than that.
Ramjade
post Feb 8 2017, 08:07 AM

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QUOTE(yygo @ Feb 8 2017, 08:00 AM)
you big stalker, oso a troll! brows.gif  laugh.gif
forget tis kiddo. got slap in fd still tick skin. big troll stirring up issues. mad.gif
poor kid with money dump fd, asx and now into fs? or matured student? brows.gif  devil.gif another aroma in the making maybe? devil.gif
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A troll only post unnecessary info/spamming for post count. I don't see you posting anything beneficial in FD/ASNB thread also/helping out new people also. Guess who's the troll? whistling.gif whistling.gif

You can ask anyone whether I conned people or not. mad.gif vmad.gif

This post has been edited by Ramjade: Feb 8 2017, 08:09 AM
Ramjade
post Feb 8 2017, 10:04 PM

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QUOTE(alexanderclz @ Feb 8 2017, 09:48 PM)
if got real time, i guess most of the uncles aunties here will just glue to the computer screen waiting for units to be 'available'.  biggrin.gif
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I don't think will be real time. If real time, always no stock despite one manage to click buy (like xiaomi flash sales)
Ramjade
post Feb 9 2017, 09:42 AM

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QUOTE(filage @ Feb 9 2017, 09:37 AM)
Today states with no Thaipusam can do ASX?
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Can.
Ramjade
post Feb 10 2017, 11:04 AM

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QUOTE(bbgoat @ Feb 10 2017, 10:56 AM)
After some try with miserable result and reading from here, decided to move some dough back to FD. Still keeping some for hunting purpose.  biggrin.gif

Looks like have to wait till April or beyond for better results ?  hmm.gif
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For ASM. For others, wait longer biggrin.gif
Ramjade
post Feb 10 2017, 12:17 PM

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QUOTE(bbgoat @ Feb 10 2017, 10:56 AM)
After some try with miserable result and reading from here, decided to move some dough back to FD. Still keeping some for hunting purpose.  biggrin.gif

Looks like have to wait till April or beyond for better results ?  hmm.gif
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You may want to try again in March as school holiday is coming.

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