Beg to differ.  Most of my male colleagues dint even know asnb. I probably 99 percent in lowyat n asnb 1 percent in.. Lazada lol

Btw the fasa keselamatan for the New apps seems inaccurate all the time, is tat normal?

what wahtsapp group? got lobang?

u also in the WA group brader?

I have been investing on ASB and ASB2 manually. Wondering if I take ASB Loan, will it be worth it?

actually, need to count the interest. Don't know if it's reducing balance or flat rate.

heard there will be coming injection into ASM3 in JUNE?

just now pergi bank open account but failed then officer told me this lo, i kena tipu ?

Got any link? I haven't read anything about PNB in the news lately. Last I read was about the Battersea project with EPF.

During my time in university, I know nothing about ASM. I only know my mom and my aunt keep on investing for no reason. So I tot it was something like fixed deposit. My first RM100 in AS1M( now known as ASM3) was given by government for free to all the students in local university. I know nothing about AS1M during the time, but since it was free RM100, okay then I went to queue for it. After then only I know it can earn money. So I started top up some money, but it was hard you know through bank to top up and ate my RM1 for service fee. As a student, every penny counts!

Year back I found this forum and got a lot of information and knowledge about ASMx. By then I know I was on my correct path. Thanks to all seniors here sharing selflessly. 

Unker want to set petition is not to pnb but to sc. the regulator is the one that is not allowing for new fp or increase in fp. every time pnb need to request approval from sc if want to pay divvy in units.

Selling off MGS & bonds would make the situation even worse. Foreign selling already high, added PNB also selling. Really GG lor 😔

Unker, although now still being single, to be honest I have no idea how financial management would be after marriage.
I do understand the need of common tabung for house usage, but introducing another contributor/commitment doesn't sounds good to already-dried-out-wallet.
What I can do now is just save and save up to safe level amount of $$, and pray no further commitment.
Unfortunately not all can afford Osaka trip, cuti cuti Malaysia is the way to go. 

Yes unker,... above is very true.

I have this saying :-

1) Work in SG, stay in SG - okay, but if you wish to have residence in SG, balances-up.

2) Work in SG, stay in MY - okay, the Johoreans can do that. But the commuting to and fro is a bit tiring. When young,... can do.

3) Invest in SG, stay in MY - this is the BEST model.

Lol, Unker so funny and humble...
This resonates with my friend's experience after she moved there. She got so much better in her investment skills, knowledge and gained alot more money (stress do come with it), after she exposed herself to that world. I do envy her for having that opportunity to move...still hustling and waiting for mine *sobs*

Exposure to outside world is extremely important, we must not be frog under tempurung. If your job doesn't allow for that, then read more, and research more till the cows come home. Don't sit and expect miracle.
Good for you, Hansel.
I also can't imagine having another half questioning about this. Guess must find one that can mutually complement each other so can move forward together by working together, no letting the other sit and expect spoon feeding. For guys, don't spoil your ladies like this if you want them to not degenerate in future.
Yeah, friendly reminder, life is also not all about work and money. If made decent amount, go holiday also good for your well being. Although, I cannot do fancy ones like Unker yet

Yaya, ADAM50 already closed. My boy opened account right after CNY.

SSB, but the return quite low wor? yes safe la. but i see all these return are really long term

why not? in MY FD alone can fetch 3% compared to FD in SG? understand the exchange rate and what not. but if can convert SGD to MYR and invest in ASM, isn't this the best?

No one can be more right than the market itself bro. 自古以來 a lot of experts gave prediction but only the right ones were published eventually.

Haha, Elder.

Cimmie,... More likely a female. Judging by her writing style,  frequency n time of the text, Unker profile of her as follows :

- Late 20s, Early 30s.

- Working, n likely progressing to mass affluent, money in account. Hence, targeted by Bank.

- Tidy, detailed person, her language style w/o the LOL, FML, Wah, breaking passage with *, etc suggesting her direct nature.

- Likely, with young baby coming  (this is unknown??? ), thinking of starting saving for next gen.

- Hardly come across her name in the daily forum, so, she was focusing on work, the diligent type. Only thought n wrote mail on Sat night, once free from routine.

Haha, question. Unker fav movie.... Apa tu? If wrong, send Unker private msg. Don't break Unker glass ego.

Auntie always reminded me, when younger Unker a conceited person, now much better.