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

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annoymous1234
post Aug 13 2017, 09:04 PM

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I'n new to ASNB. went to maybank and a sales person recommend me ASG - persaraan and amanah saham nasional 3 imbang.
want to ask is the above good?
annoymous1234
post Aug 13 2017, 10:59 PM

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QUOTE(Ramjade @ Aug 13 2017, 09:16 PM)
No. Avoid at all cost. If you are bumi, stick with ASB and ASB2.
If non bumi, ASW2020, ASM, AS1M
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QUOTE(nexona88 @ Aug 13 2017, 10:42 PM)
Bro, confirmed he non bumi..
Bank staff won't recommended ASG to bumi leh..
Worse come worse, they intro asw or as1m since both still have huge amount available..
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thank you for the advice.
however the above 3 they told me quota full sweat.gif
may i know why that 2 they recommend is bad? just curious

This post has been edited by annoymous1234: Aug 13 2017, 11:01 PM
annoymous1234
post Nov 7 2017, 01:25 PM

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Guys. I finally manage to open account for 1Malaysia. Unfortunately I'm only able to put rm100 as I'm told it is full. They told me I need to check everyday to see got quota or not. My questions is where can I do this? From myasnb website can?
annoymous1234
post Nov 8 2017, 12:05 AM

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QUOTE(Ramjade @ Nov 7 2017, 02:48 PM)
MyASNB cannot check for availability  units in real time.  Only ASNB branches.

You can only buy online real time by simply keying any digit you want. You cannot check availability.
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so the only way to know if there is availability is to go ti asnb branch?
annoymous1234
post Nov 16 2017, 10:29 AM

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I just top up additional funds for AS1M via myasnb, immediately I saw my units increase. I want to ask the pro here is it real time update? Cause from what I understand, AS1M is always full, so am i lucky or my units is not really purchase yet but they are holding my money?
annoymous1234
post Nov 16 2017, 11:16 AM

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QUOTE(wkalvin @ Nov 16 2017, 10:31 AM)
u are lucky
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QUOTE(nexona88 @ Nov 16 2017, 10:38 AM)
Yup. Its real time updates after u see the units increases..

Partly true when u say its always full.. There's always withdrawal from time to time.. Basically if u are at the right time.. Can grab those available units 😁
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thanks for the reply. What if I buy more than the available units? Example I buy 1000 units but the units left are only 500. Is it I have to wait for them to refund me?
annoymous1234
post Dec 20 2017, 10:44 PM

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HOW did u guys manage to top up 5 figures in as1m? I've been trying to put rm10k in it but it always tell me not enough funds. If i can get rm1k is also consider lucky.

Btw, from what i read, i should put as much as i can before jan 1 2018 in AS1M to enjoy the full dividend, correct?
annoymous1234
post Dec 20 2017, 10:55 PM

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QUOTE(Ramjade @ Dec 20 2017, 10:47 PM)
When you have all 3 accounts, you can try different account and not just restricted to AS1M.

If you want to get the January Div, yes. If you topup after 1/1, that amount you topup is not counted for January.
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Thanks for replying. I have AS1M,ASM, and ASG. ASG I'm not gonna touch it, so my target is AS1M.
question, my ASM is not registered in MYASNB. can i get banks to do it for me, or must i go to asnb hq?
annoymous1234
post Dec 20 2017, 11:25 PM

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QUOTE(Ramjade @ Dec 20 2017, 11:14 PM)
That's why I stopped topping up. When you know of so many stuff that can beat amanah saham, suddenly it don't seem attractive anymore.

Amanah saham fixed price fund was developed to "give a false sense of security" as according to our in house accountant, dasecret it's a blackbox investment where the transactions aren't really clear.

However, if you don't want to do homework, don't want to worry about losing money, satisfied with just 6%, then it's the perfect instrument for you. biggrin.gif
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Speaking of getting more than 6%, what other investment would generate more return? I'm thinking of venturing into REITS and stocks, although there's higher risk involved. Any advice? biggrin.gif
annoymous1234
post Dec 21 2017, 12:47 PM

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QUOTE(Ramjade @ Dec 20 2017, 11:46 PM)
You can start with buying UT from FSM. Of course must buy good funds. Buy bad funds then  rclxs0.gif  rclxs0.gif
Investing in Nestle itself would, you would have beat amanah saham.
No malaysian reits will give you >6%. But you need to factor in capital gain (only realise if you sell, otherwise it's all on paper) When you are buying reits, you need to prepare to give back money when they come asking for rights.
Stocks yes can beat amanah saham as shown by
Dividend Magic

For me, I go with the combo of
SG stocks (give dividend of less than 6% but close to 6%)
SG reits (most of my reit give > 6%)
SG UT (wider selection + no need to pay service charge unlike FSM MY which means if I put in SGD1000 into my UT, full SGD1000 will be invested)
Let the SGD do half the heavy lifting for me as SGD will appreciate over the RM in long term

Results:
so far both already beat amanah saham thumbup.gif  thumbsup.gif
even my previous FSM MY portfolio have manage to beat amanah saham
But didn't manage to beat Dividend magic portfolio (my SG reit + SG stocks) sad.gif
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Wow u are really pro! May i ask are u in Malaysia? How do one buy SG UT?
annoymous1234
post Feb 22 2018, 06:59 PM

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QUOTE(nexona88 @ Feb 22 2018, 04:33 PM)
if not mistaken..

Jibby is around there..

promo about the ADAM50 thingy.. the free 200 unit for new born Malaysians  biggrin.gif

He even say.. make more babies to qualify for the 200 units  devil.gif  Okay. let's make more.. so can achieve 50 mil population target  cool2.gif
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Damn stupid. Now cost of living increase. Most family also want 1 children enough and he is asking ppl to make more babies.
annoymous1234
post Apr 5 2018, 01:13 AM

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QUOTE(silverwave @ Apr 4 2018, 02:45 PM)
just managed to open asm and asw2020 after so long biggrin.gif
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Where did u open? U must be lucky got unit for both at the same time
annoymous1234
post Apr 5 2018, 08:42 AM

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QUOTE(airtawarian @ Apr 5 2018, 01:46 AM)
I managed to open asm & as1m 2 days ago
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u open at bank or PNB office?
annoymous1234
post Apr 18 2018, 12:43 PM

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Do u guys have this message? Few days already and I cannot fo anything at all
annoymous1234
post May 4 2018, 12:12 PM

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damn it!!!!! I almost successfully bought ASW, guess what? when I reach the FPX page it says duplicate login detected, coz I have my bank page open in another tab, then when I log in again I cannot buy anymore. FUUUUUUUUUUUUU. so damn pissed!!!
annoymous1234
post May 14 2018, 08:40 AM

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ASM, 1M, and ASW all are fixed price fund, so it doesn't matter which one I put money in right?
annoymous1234
post May 14 2018, 08:45 AM

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QUOTE(Ramjade @ May 12 2018, 11:36 AM)
if you follow the rules.... Of course if you don't follow the rules...
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bro what rules u mean?
annoymous1234
post May 14 2018, 10:25 AM

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QUOTE(Ramjade @ May 14 2018, 09:16 AM)
Deposit your money by 1st or every month or else whatever money you deposited later not earn dividend for that month.

Amount calculated is based in lowest amount of the month.
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I don't understand the "lowest amount of the month". Do u mean if on the 1st I put rm100, then on the 15th I put rm200, the dividend will only calculate rm100?
annoymous1234
post May 23 2018, 12:23 AM

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QUOTE(Ramjade @ Apr 25 2018, 11:31 AM)
Wrong place to talk as people there doesn't like it if you talk about asnb products.

Rule is return is calculated based on the lowest amount of the month. Always have min of RM100 inside or else no return will be given to you.
Eg.
You have RM2k as of 1/4. You withdraw out RM1k on 15/4. and leave RM1k inside. For the month of april, your return will be calculated based on RM1k inside.
You have RM1k as of 1/4. You put in RM1k on 2/4 and leave it. Return will be calculated based on RM1k and not RM2k

Return is paid once a year only.
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Wah so anything that is place after 1st of the month will not generate any return? But from what I see here, ppl still put in money even though it's not 1st of the month?

Also does that mean we only have 1 day to put our money in?

This post has been edited by annoymous1234: May 23 2018, 12:25 AM
annoymous1234
post Sep 2 2018, 10:18 AM

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So good profit. Nobody wants to sell

This post has been edited by annoymous1234: Sep 2 2018, 10:18 AM

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