They will either try once or act to try once , haha

3 attempts? The bank and post office I went to didn't even want to try. Both told me to visit ASNB branch.

Didn’t know that they treated you so bad.

Well that's what happen most time...
Just u being lucky...

its actually very normal on how they treat Nons

i also kena.

heheheh
I know the feels...
want to slap in the face...
but now no more issues... thanks to MyASNB portal

Previously there were people asking if it's okay to top up during the month of ex-date, example from 1st to 29th Sept as ASM3 ex on 30 Sep so here's concrete proof that it's useless ya, you'd have to do it latest by 31st Aug

ASM2 has been good to me, got 5k after 5mins yesterday 10am, probably many cashing out to buy Genting Malaysia lols

Penyata ASM3 is out

Managed to top up 4K asm3 after multiple attempts

hmm interesting....
so all this time we all being mislead...
thanks for the info...

Yes. This morning quite easy to get.

No luck.. U guys use mobile Google chrome? Sometimes it just hang there I not sure I get it or what.. Hang after enter code

Actually how it counted? If we put now, when next year divide out it will be prorated?

I just completed my topup today 9k and 5k in wawasan. One more round of asm1 div and I can join the asx club already next year April woo-hoo

So if top up on 1st Sep to 29th Sep not entitled for dividend, then would withdrawal within the same period affect the dividend computation ?

Managed to masuk 80k unit asw2020 this month. Today being the fastest 10k unit within 1 hour. Asm still closed?

Yup. Still close..
Wait for next year 👍

*edited for maths FAIL*

It is forward counting on monthly basis, you are free to put in or take out however much you want
example:

28 Nov RM1,000 will only be counted for pro-rated 1/12 * dividend let's say 6% if you maintain it until 1st January, if you withdraw it by 31st Dec then it will be zero interest earned. If you keep until ex-dividend date of 30th Sept 2019 and only withdraw on 1st October 2019 then you will get the interests counted for month of Dec until Sep which is 10/12 * 6%

basically our money needs to FULLY sit in untouched per calendar month, not per 30 days basis. So it doesn't make a difference if you put your money in on 1st or 30th/31st of that month.

as above mentioned, let's take a simulation using ASM3 at 6% for example:

1st Sep RM4,000 IN
15th Sep RM5,000 IN
End Sep Balance: RM9,000

1st Oct RM5,000 IN
20th Oct RM3,000 OUT
31st Oct RM8,000 IN
End Oct Balance: RM19,000

1st Nov RM2,000 OUT
End Nov Balance: RM17,000

31st Dec RM3,000 OUT
End Dec Balance: RM14,000

Assume you stop putting in/taking out until following year 1st Oct then your dividend shall be calculated as follow:

Sep- RM0 earned (not full month)
Oct- Balance>Sep so take lower RM9,000 x 1/12 x 6% = RM45
Nov- Balance<Oct so take lower RM17,000 x 1/12 x 6% = RM85
Dec- Balance<Nov so take lower RM14,000 x 1/12 x 6% = RM70
Jan- Sep Balance maintain RM14,000 x 9/12 x 6% = RM630

Total dividend earned: RM830

Anyone sifus can verify the above? Much appreciated since I just joined, no historical data to counter-check

This post has been edited by khuanoz: Nov 28 2018, 04:18 PM

This is what I understand 😅 if salah pls help me correct it


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It counts the lowest balance.
If September you got 5000, topup 3000, withdraw 2000 left 6000,
Then the dividend count on lowest balance which is rm5000.

Anyway last time I went to asnb branch and the staff direct me
to this website on the calculation.
https://jomurusduit.com/2017/12/cara-pengir...n-asb-2017.html