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> Ultimate Discussions of ASNB Fixed Price UT, Magical UT only in Malaysia

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vanitas
post Nov 22 2018, 07:24 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Nov 22 2018, 07:20 PM)
Asm1 provide 6.25%(last year) , if u sell rm2 per unit , the buyer need to take 7years baru break even .

Siapa mau beli ?
*
Beri discount 1.01 maybe uncle interested.

But for me, no way to buy at inflated price given got asm2 and asm3...


vanitas
post Nov 22 2018, 08:28 PM

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QUOTE(savvyaunty @ Nov 22 2018, 08:16 PM)
wow this m2u can see every single ASx transaction and I don't even remember linking my ASNB account to Maybank
*
Well, the biggest shareholder of mbb is asnb itself, so this is nothing surprised.
Everything is linked, and sent to lhdn as well.
Now they won't take action, giving chance to whoever 'forgot' to report income.

But as usual, aunty got income proof, no need to worry.
vanitas
post Nov 23 2018, 12:57 PM

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top up minutes ago, asm2, 4 digits...
vanitas
post Nov 23 2018, 01:55 PM

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QUOTE(john123x @ Nov 23 2018, 01:27 PM)
I am wondering if there is any brave tester that is willing to test Maybank2u ASNB Transfer to ASM....

smile.gif

Meanwhile I am trying to earn MY2U points by transferring to my own account 300 times...
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MY2U points got what use?

Is this a loophole? hmm.gif
vanitas
post Nov 23 2018, 02:22 PM

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QUOTE(john123x @ Nov 23 2018, 02:07 PM)
To spin wheel to win prize.

Lots of people didn't get anything.
*
So you get anything buy transfer 300x?
vanitas
post Nov 23 2018, 02:23 PM

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QUOTE(veera77 @ Nov 23 2018, 02:18 PM)
I got one free spin one day without collecting any points...when try...this M2U spin stop sendiri...not like Candy Crush game spin where u can decide when to press stop..hmmm
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More like already determined by server side. Client side spin just for fun...
vanitas
post Nov 23 2018, 04:39 PM

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QUOTE(samuraix79 @ Nov 23 2018, 03:33 PM)
I am sure many unker aunty here can get the top tier of 50k and above biggrin.gif
That one gives you 2.2%
*
You can put efd for one month for temporary parking.
If you need shorter time, maybe need money market fund instead.
vanitas
post Nov 23 2018, 04:41 PM

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QUOTE(veera77 @ Nov 23 2018, 04:17 PM)
Yesterday, ofis casual talk..one friend say...”only people with money get more money..”

I corrected him...”only people who make their money work, get more money” he confused...ha ha
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QUOTE(nexona88 @ Nov 23 2018, 04:23 PM)
so true...
actually many don't know it's true meaning..
basically your money needed to beat the inflation rate...
*
You need money at the first place to make money works.
More money, more work done.
So it wasn't entirely wrong that people with more money can get more money.
vanitas
post Nov 23 2018, 06:12 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Nov 23 2018, 06:02 PM)
50k 6% ,5years = putih putih get 16,911 ,
After return 50k loan , the 16,911 keep in asnb for children education fund . smile.gif

Too bad to buy car .
*
Uncle got 5m, 5 years putih putih get 1.69m,
And uncle would spend for children education fund.
Too good to be uncle's children.
vanitas
post Nov 23 2018, 06:38 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Nov 23 2018, 06:31 PM)
If I were veera77 ,  I will make a deal with colleagues.
50k give me , I keep 5 years and I pay u 10k on the spot .

1 person untung 6911 , if 30 colleagues , smile.gif .
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Uncle, 30x50k.. 1.5m come out from no where.. lhdn knock his door already... Plus, huge trust needed...

And uncle really like to blow water, why don't make a blog so you can blow anything you like.. some more got incentive... haha

On a serious note, Malaysia lack of informative personal finance blogs, there are some, but not in depth enough.. I get most knowledge here...



vanitas
post Nov 23 2018, 09:16 PM

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QUOTE(5p3ak @ Nov 23 2018, 06:52 PM)
How to take ASNB loan? Or is it for masterace only?
long time ago there was GenXGenYGenZ blog . . .
*
That one is the country where veera7 working, can take zero interest loan for any purpose.

Anyway, I think Indians can take asm3 loan last time. Now not sure.

On a side note, really got people report me. lol...
Don't want talk anything liao, become silent reader again...

vanitas
post Nov 24 2018, 11:10 AM

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QUOTE(5p3ak @ Nov 23 2018, 06:52 PM)
How to take ASNB loan? Or is it for masterace only?
long time ago there was GenXGenYGenZ blog . . .
*
See the quote below for Indians asnb loan. Unfortunately, Chinese would need to look for promotions from bank that offer very low interest loan, such as hlb 1.68% loan that someone mentioned about.

If I am not mistaken genxyz mainly talk about credit cards. I am planning to start one, just everything I know about finance and investments in Malaysia, but no idea use what domain name. Anyone got good idea please pm me to avoid off topic.

QUOTE(veera77 @ Nov 23 2018, 11:47 PM)
There is 5k interest-free loan for B40 Indian to invest in ASM3...but u have to apply to SEDIC, JPM..seems its not transparent enough and looks more like political sweet.. sad.gif
I emailed SEDIC few times to apply for relatives but no reply...i think they want people to bend-down to them to get this 5k loan sad.gif
*
It was 30k loan, no? https://m.malaysiakini.com/news/412016
Anyway, now still got?
vanitas
post Nov 24 2018, 11:12 AM

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QUOTE(xeon1989 @ Nov 23 2018, 10:55 PM)
Sorry guys but I don't understand.
Why do we need "parking" while waiting for units?

I supposed if coffin money already in ASNB, the rest top up money (which I assume would be <4figure per day for most ppl) shouldn't be much, hence makes 2%pa meaningless.
Furthermore, unless the interest calculated daily, else if money take out before end of the month will it entitle for interest?

I hope I'm not off topic...
*
I also don't understand, I already suggest put efd for one month
or more temporary parking, or money market fund for few days parking if really needed.
vanitas
post Nov 29 2018, 11:37 AM

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QUOTE(nexona88 @ Nov 29 2018, 10:51 AM)
Your choice..
Want take risk.. Buy stock
Want play safe.. ASNB funds 🙏🙏
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QUOTE(veera77 @ Nov 29 2018, 11:34 AM)
Will stick to my strategy 75% ASNB 25% others smile.gif
*
Depends on your age. If you are just 20, 100% others also can. But if you are retired, better 100% asnb.
vanitas
post Nov 29 2018, 10:30 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Nov 29 2018, 09:15 PM)
Those already bought genm really cannot sleep Tight.

Yesterday close to 3 , today 2.8 .
*
Uncle watch bursa very closely, I don't believe uncle no buy at all.
Yesterday must be can't sleep well, so no time come here. devil.gif

QUOTE(DBHILUHDAQWISRTNJ @ Nov 29 2018, 09:23 PM)
Welcome to old man club . Hehe.

Unker busy gorek money lol.

Yesterday inform me the tax amount , but toMorrow is due date.

Betul betul Speechless .......
*
So now got bullets? Tomorrow can 5 digits asm2/3? Last day to top up that can count as interest next month.
Someone told 1st of the month top up is not counted for interest. bangwall.gif
vanitas
post Dec 1 2018, 04:18 PM

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QUOTE(saitong09 @ Dec 1 2018, 04:14 PM)
If 4% I'll let go, my mortgage loan interest close to 5%
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Next year 4%, but next next year 7%. Let go already took long time to subscribe again, or like ASM, can't subscribe again.
vanitas
post Dec 1 2018, 04:55 PM

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QUOTE(saitong09 @ Dec 1 2018, 04:23 PM)
ASM2 and ASM3 smile.gif
For me, mortgage loan la uncle  laugh.gif
*
ASM used to be can top up anytime like ASM2 and ASM3...
Even ASB2 can be suspended...
that time when you want to come back... bangwall.gif bangwall.gif
vanitas
post Dec 1 2018, 05:13 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Dec 1 2018, 04:57 PM)
Icic .
house loan about 4.4% , asx 6% . 
Not bad Still have 1.6% earn .
*I'm not sure this calculation correct or not.
*
Uncle, in paper you are right. In reality house loan is very complicated, too much hidden fees, cannot calculate by plain paper.
If asnb is always higher than house loan, then all people would refinance their house to buy asnb, and settle house loan at once if asnb goes lower than house loan.
Reality is much more complicated than theory.

vanitas
post Dec 1 2018, 05:16 PM

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QUOTE(veera77 @ Dec 1 2018, 05:11 PM)
Current option 👇 for low risk
- ASNB Bumi 7%
- ASNB Malaysian 6%
- EPF 5-7%
- Mortgage 4-5%
- SSPN 3-4%
- FD 3.0-4.5%
- CASA 1.5%

So we just need to play around with above options...some may have withdrawal limitation  eg EPF, SSPN...but some may have tax relief benefits eg EPF, SSPN, PRS...so pandai2 kira and find the best fit with your lifestyle..
*
CASA can be 4.1%.
The only risk for above.. is currency risk, everything in ringgit...
vanitas
post Dec 4 2018, 11:28 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Dec 4 2018, 11:05 PM)
Someone send love letter to unker.  smile.gif .
Vanitas , r u still alive ????
*
I am alive, doing silent reader, top up secretly.

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