Morning! Morning!
Unker already checked, very good holidays this Raya...
Go Japan, Korea, Nepal, etc... Make sure you redeem your ASM123, OK?
Money can be earned back, go enjoy the experience. 😜
Orh, Auntie just scold me early morning.... She says must build up 6-9 months emergency funds. Don't clever, clever ask people to redeem high interest deposits.

Yes! Yes! Bro Ong......
Anhway, this morning portal banyak tak stabil.

As long got money saved in the bank,... Already a winner!
Better have money (albeit lower interest rate), than no money... Or worst case, big loan (during high interest rate).

Unker ask... Why today, new members all so free?
No working ah?
Buy ticket Endgame?

Aiyoh your comment make Unker heart beat fast..
Thought got buy signal. No leh, MBB, MBSB, GENM still stable... Hahaha, FGV 😋
Continue spam...

Welcome back! Elder!
Great to meet another good soul.

Wah, today Unker spam performance... Worst week to date.
$1k success over 162 minutes.
Sigh! Give up, going out for my fav nasi melayu.
This shop closes for 1 month puasa.
Cannot miss..

Try other kolam... Tukar to smaller bait. Good luck.

Try asm1, boleh dpt $1k size fish....

Truly amazing! Suddenly these few days, big time players appearing... $300k, $50k, etc to throw.

[quote=DBHILUHDAQWISRTNJ,May 3 2019, 05:43 PM]
don't know he will return or not. I just know he's at a happier place now.

[/quote]

happier place~Walao , sounds like i went to heaven

i will be back ~ maybe july or september .

[/quote]
Sifu Unker,.... Quiet, Quite... Collecting, huh?
Hahaha, tq for dropping in.

Just make sure friend uses asnb portal to tambah nilai.... Don't use bank portal. Beyond that, all others secondary consideration.
Biggest challenge now, is fishing for units....
Welcome to the club...
Pls wish the Elders, 5-9 🌟... They will selflessly help you with valuable info. Unker kay-poh one.

So, allow Unker to tread carefully in this open forum, so that we don't be perceived as uncouth talking about wealth.
Try measuring your networth n investible assets (excluding primary residence) as multiples of your pre-tax income.
Just talking abt $1mil cash, without considering liabilities is not true wealth measurement.
That's why nowadays, a person can become a bank Premier customer with $1mil loan...not deposit.
Hmmm....anyway, we in wrong forum. There's a srparate thread, someone claiming to retire with $5 mil, asking if enuf. Kena brickbats from others, hahaha.

Just like Funding Societies, the salesman has to put money where the mouth is, meaning he has to invest in the same fund as to prove to the customers their common interest.
Just ask him to show how much he has invested himself... What is his commission?
Money is yours, you need to be clear what you can afford to invest... Growth (comes with greater risk, VP, shares, reit, UT) or Preservation(lower risk, ie. FD, ASM123) ?

[quote=rainy~days,May 3 2019, 10:33 PM]
ASN SARA 2~ have no idea how safe... he claim sure earn more than FD and it's super safe

Hahaha, do us a favor... Get more info on Sara.

See, if we convince all the pax in this forum to invest in Sara.
Leaving asm123, to the few of us. 🥳

My last thought on this... Call me kay-poh.

I totally agree with you last statement.... Its your dad retirement $, keep it safe let him decide. Unless, he is incapacitated and has identified you as the executor of his estate.... Otherwise, your siblings (if any), needs to be engaged in this $$$ decision making.

Just imagine they found out, you approach a group on strangers for opinions on your dad's $$$. Doesn't hold water, right? (ie. Unreasonable)

You r like us many non-bumi, wandering in the desert hunting for diminishing water (asm 123). Got truck selling 100 plus pass by... You not drinking, prefer to be thirsty, hoping to use $ to buy Sparkling Water?
Nobody knows what will happen in 2019, maybe asm3 will outperform asm1, or vice versa. But, these are things beyond your control. Point is, are you letting your idle money work harder for you?
Our fren with $300k to dump.... Eager to understand if he will pick n choose among asm123. All I know, I better run faster n secure as much asm123, before he has his $300k bomb ready!
Sorry ah, no disrespect... Sometimes have to give shock treatment. If he also opts for only asm1, 2...then, you will face more challenges.

The smart move is to gave your baby delivered in Malaysia. Apply for baby Sin PR. Enjoy both worlds. Provided wife also Malaysian PR. As, unlikely for SIN wife to deliver in Malaysia.

Most PRs don't wish for son to be Sin citizen due to the 2 years enlistment. But your PR child education is more ex compared to Sin citizen.

But for sure, if both parents Malaysian PR, children needs enrichment class because parents cannot teach n gulde children education. But, all that for later consideration... If you get to go, good luck!!!

Don't look back for tongkat. Soar like an Eagle.

I also agree with Elder.
For many semi retired Unker n auntie, the 1% extra interest is significant... Esp, compounded over time. The way I see, unless FP change to BP, I will stay indefinitely with ASX, n be senior former. The FP% will always be higher than FD%.
For us soon to be seniors,... With food inflation, It'll either be makan kanji or oatbran. The 1% tambah helps!!!

Huh? Forfeit dividend? You sure boh?

Then cannot be considered forfeit mah.
If you have $100k, withdraw $10k on 1st of month.... You still earn interest on remaining $90k.
Something different your understanding?