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.

Never had luck with ASM1 and ASM2, all that i ever got is with ASM3 after 15 days hunting, is it easier to get ASM3 ?

*feeling puzzled

elder believe didn't receive such survey. so he's not high networth. so what unker mean is rob from poor pay to rich unkers like your good self.

Hmm, this a fact, more frightening is the middle class gap getting thinner n dropping to lower class.

please let us all know the day unker feel unhappy fishing a lot. we sailang in.

Edit : odd-lotted my ASM3. +100 shares. all accounts sudah kering kontang with minimal balance.

Unker most senang today, Pto. So, Unker share my 2 cents while Sis & Elder likely join later.

Start with some alignment in boundary assumptions....
1. Asx funds to consistently outperform  bank fd promotions.
2. You are Malaysia Chinese. Not bumi status.
3. Current purchasing period is closer to May 2019 conditions, rather than Apr. (don't have objective data, but during Apr month, ASM was frozen. Only ASM3 abundantly avail. While in May, feels like ASM1 easier to buy)

Then, the unavoidable reality,.... Availability of funds cannot be ignored.

Chinese simply grab what's avail for sale!!! That's one of the reason newbies want-in to wa and/telegram group. To know which pond has most fish. However, the recent chat btw Skty n Elder Believe, about human nature n self-serving instinct, sums it well.

Can still balance your portfolio, but Unker thinks, over much longer periods, if asnb continues to selectively open a particular FP fund.

It is counter productive to hold on to your money n not invest.... Say, you want asm3, but cannot buy. Yet a lot of asm1, 2 for sale.

Lastly, pls refer  asnb FAQ for Transfer vs Switching requirements.

Morning all,

Very commendable effort, living on 50% take home salary. Must have put some thoughts on how to achieve it. Do share with the younger investors, what  change in lifestyle n how to manage emergency expenses.

Unker contrarion thinking, people keep worried invest into Kwsp, means money stuck long time. Well, isn't that the ultimate idea? Otherwise, if you consider ASX as a high FD account, wouldn't it also mean you likely to withdraw to satisfy immediate gratification instead of saving for real rainy days?

So, hopefully, you put some thoughts. Health, Employment & Luck cannot be taken for granted. Unker shud know better.

Unker keeps repeating like broken record.... Asset allocation. Irrespective how young, how tight budget, put little bit more % into Kwsp. 

But Unker stops short of guaranteeing you will have better future. Little chance, better than no chance.

hahaha. what is the maximum % that you guys willing to fork out to "buy" other people ASM1/2/3 units?
and what's the reason behind?
thanks. 

unless you got better way to earn more than EPF. 

RM500/day. I am up for the task. hahahaha

Entry requirement, must be Penang Island lang!!!

KL orang mahu invade territory?

thanks unker panjang. you stop, i strike 900 ASM3

Unker really stopped?

Now i can say i caught ASM for:
1)RM500 at 2.49pm
2)RM500 at 2.54pm


Start from 1.25pm, have some rest in between.

Morning all, Unker says don't give up today,.....

A = absolutely

S = susah

M = masuk

1 = one

  with that, so will the ASNB loan rate drops leadings to the drop of FD rate too?

maybe silently accumulating the units without update status 

later someone complained, this thread become update status only... no proper discussions at all

aiming for EPF ,

after RM1M , can withdraw any amount , any time ?
*just keep min RM1M in EPF?

Note that "You are our priority" wording.
That means EPF favor rich ppl instead of treat everyone the same. 

aren't we all