Ultimate Discussions of ASNB Fixed Price UT, Magical UT only in Malaysia
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 Dec 21 2018, 04:58 PM
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#241
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1,229 posts Joined: Jul 2011 
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QUOTE(Ancient-XinG- @ Dec 21 2018, 04:17 PM) the share their buy in EQ bleed shittttt. really no eye see Zeti sudah mula cash out dari EQ to cash investment instruments.. Cash investment return usually around 4%... Hope ASNB investor could calculate/project future ASNB return.. |
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Dec 21 2018, 05:19 PM
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#242
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(nexona88 @ Dec 21 2018, 05:01 PM) meaning we can expect dividends of 5% next year onwards 5% is a minimum dividend can be expected.. Below 5% dividend ramai cabut will cabut ASNB masuk mortgage..ASNB can’t afford massive withdrawal, like what happening to TH... |
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Dec 22 2018, 08:42 PM
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#243
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(lozenges @ Dec 22 2018, 08:11 PM) I'm interested to know the possibility of asnb to mishandle the fund like what happened to tabung gaji? Just wonder the probability of asnb funds having more liabilities than assets/cash? We might have this doubt before...but with Zeti heading PNB now, chances for mishandling or ‘creative accounting’ is very minimum.. |
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Dec 23 2018, 01:29 AM
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#244
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(lozenges @ Dec 23 2018, 12:56 AM) Meaning that the system of management for tabung haji and asnb are technical the same but we are able to feel more secure bcs of the existence of zeti. Yes..Zeti’s has high credibility in financial world...as long as PNB under her...we can dump own money in ASNB and sleep peaceful...To answer your question in more detail: The management system and objectives of TH and ASNB are different..but similiarity is both fund financial statement are not-transparent  which makes many investors worry and concern like you...TH is a saving instrument for haj pilgrims...minimum saving to qualify for Haj is around rm9k-10k (not sure exact amount) and TH have their own TH Act.. ASNB is to encourage and increase bumiputera investment portfolio...later opened to non-bumi with limited fund-size. Most the investor of TH and ASNB, is investor who believe on govt ‘guranteed’.. Non govt believer mostly prefer FD...for low risk investment category.. Return differential between FD and ASNB is about 2%..so its more about investor personal preferences..no right or wrong.. This post has been edited by veera77: Dec 23 2018, 01:30 AM |
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Dec 23 2018, 12:09 PM
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#245
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(vanitas @ Dec 23 2018, 08:52 AM) Most of the investors isn't divided by gov believer and non believer. Some people like the word ‘capital guranteed by govt’...including me..I would give some hints: - total wealth by bumi - total wealth by non bumi - requirement of TH and ASB - fund size of TH and ASB - total FD deposit by Malaysian ‘Capital guranteed by govt’ is important for long term investment and retirement saving.. Why not all TH depositors withdraw out their money? Bcoz they know 100% TH deposits are guranteed by govt.. Thats could be the reason why LGE even included all ‘govt guaranteed amount’ into country debt total...which touched 1 trillion...where Najib argued should not be included that as per international standard for country debt calculation.. |
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Dec 23 2018, 01:28 PM
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#246
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(vanitas @ Dec 23 2018, 12:20 PM) - TH is a saving product, hence it can be capital guaranteed. 95% of ASNB investor...for them ASNB is saving account...today masuk esok keluar...get same amount or slightly higher includes dividend- ASNB is a fund, there is other capital guaranteed fund, but ASNB fixed price fund doesn't fit in the definition, so they use the term fixed price. It is all about how rule and law set, so some can uses the term capital guarantee, some can't (if not mistaken epf also can't use the term). Also due to how rule and law set, some banks can't be protected by PIDM, but other entities. Edit 1: PIDM did a very good job on gaining confidence on capital protection. A lot of people prefers PIDM than guaranteed by MoF or government of Malaysia. Edit 2: or can anyone explain the differences between fixed price and capital guaranteed? How can it be fixed price but not capital guaranteed? Even the unit worth 0.5, as long as it is fixed price, you can still sell at 1.0. Unless it is 0. only 5% investor, see ASNB as UT....and concern about real NAV... this where 'trust in govt' and 'risk' coming in... This post has been edited by veera77: Dec 23 2018, 01:55 PM |
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Dec 24 2018, 06:47 PM
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#247
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(besiegetank @ Dec 24 2018, 06:06 PM) I guess once the account is opened the 50k unit will be allocated to that account already. After they closed it only means no new account opening. Hopefully the old account will not be affected. under ADAM50, newborn will get free 200 unit in ASM3 (non-bumi) or ASB (for bumi)...and top-up limit is RM50k..but shocked to hear only 25% newborn registered  when ADAM50 scheme closed next...u still can register ASM3/ASW2/ASM for your newborn from day 1 age...the only different is ur newborn won't get free 200 units..and good news no top-up limit  its similiar like SSPN RM500 geran sepadan scheme...for this year, kids age 7-12 gets RM500 bonus if the net deposit RM500 in 2018..next year tak dah also next year no PTPTN 20% discount for full settlement, and no 10% discount for paying on-time... PRS RM1,000 free top-up...also xda next year KWSP 15% bonus (cap RM250) for non-salary earner...also xde next year byk xda next year only for general information..  |
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Dec 24 2018, 08:13 PM
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#248
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1,229 posts Joined: Jul 2011
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QUOTE(nexona88 @ Dec 24 2018, 08:00 PM) Well government tarak $$$.. Don’t underestimate the capability of lazy people...lol How to continued all the scheme.. As for ADAM50.. Got doubt its lack of demand... Since I saw someone post in JPN.. They give out the applications form for new born parents... Don't tell me bloody lazy bum parents didn't fill up the form & summits it 😴 Bill Gates once says prefer lazy people in Microsoft.. |
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Dec 24 2018, 08:43 PM
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#249
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(vanitas @ Dec 24 2018, 08:34 PM) 500k babies per year (if 100% subscribe, possible if government really want to) x RM 200 (or up to RM 50k) x 5 years... If it is not taken from our dividends (aka profits for ASNB, or at least the bonus for ASB), then where is it from... government only give RM 10m for this program... If 200 free units given from profit...Then there is good reason top up more AS2W, instead of ASM3...bcoz ADAM50 uses ASM3 for deposits free 200 unit for non-bumi.. |
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Dec 24 2018, 09:49 PM
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#250
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(vanitas @ Dec 24 2018, 09:00 PM) I wish I know more.. but I only know PNB uses own pocket money for the program. For me So whether will affect ASM3 or not.. or all the funds.. I cannot confirm.. need to check how PNB spend their own pocket money usually... I know asb bonus is one of their usual spending.. others no idea.. Anyway no worry, adam50 will be stopped soon.. Edit: I prefers to top up asm2 also, for many reasons, including the reason from you on this... haha ASW - investment ASM3 - saving account (its like ASB for Indian..boleh keluar masuk as u wish..ha ha) |
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Dec 24 2018, 10:05 PM
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#251
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(issac96 @ Dec 24 2018, 09:58 PM) ASM is hard to get because of the Interest Rate higher than ASW and ASM3? All three ASx dividend around the same...But for unknown reason, PNB stops selling ASM for now...most possible reason...is to keep buffer for next dividend payment, while keeping the fund size below the limit.. |
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Dec 24 2018, 10:21 PM
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#252
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(issac96 @ Dec 24 2018, 10:10 PM) Hmm I see, well thanks! Any advice for me for when is the best time to buy? 10am - 3pm, Mon-Fri usually best time...First choice - ASW Second choice - ASM3 ASM1 - ignore it for now, till u see big havoc in this forum, reporting ASM selling resume... |
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Dec 25 2018, 01:23 AM
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#253
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(roy_zu @ Dec 24 2018, 10:48 PM) Means no one will be selling ASM1 in counters as well? Thought it worked same as wawasan My assumption is ASNB buying from whoever selling ASM1 over-the-counter, but refuse to sell back the same to others...By doing this ASNB could reduce number of ASM1 unit in circulation..indirectly creating buffer/space to fill the dividend re-investment units on 1 April 2019... This only my crazy theory... i might be competely wrong bro... |
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Dec 25 2018, 01:30 AM
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#254
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(issac96 @ Dec 24 2018, 10:28 PM) Okay, big thanks! May I know again why your first choice is ASW? is it because of dividend / fund size? ASW - maturity of fund...it was first ASx launched with non-bumi allocation circa 1998..so we assume ASW has most solid and stable asset and investment...important factor for long term investment...Dividend all three ASx almost same.. |
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Dec 26 2018, 05:40 PM
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#255
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(nexona88 @ Dec 26 2018, 04:14 PM) what? sell sell sell ASNB...So no extension   Sell Sell Sell DJ down..going to break 20k pts support.. Oppps...silap forum...ASNB always steady *just trolling |
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Dec 28 2018, 06:17 AM
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#256
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Senior Member
1,229 posts Joined: Jul 2011
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Hunting day after salary masuk...
in ASNB, every month we have month-end window dressing...ha ha |
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Dec 28 2018, 08:51 AM
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#257
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Senior Member
1,229 posts Joined: Jul 2011
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System under maintenance...updating balance
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Dec 28 2018, 11:46 AM
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#258
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Senior Member
1,229 posts Joined: Jul 2011
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Maybank2u offline
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Dec 28 2018, 02:37 PM
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#259
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Senior Member
1,229 posts Joined: Jul 2011
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QUOTE(veera77 @ Dec 28 2018, 06:17 AM) Hunting day after salary masuk... in ASNB, every month we have month-end window dressing...ha ha QUOTE(saitong09 @ Dec 28 2018, 11:52 AM) Dapat 2k ASM2, after lunch continue hunting Completed ASW2 hunting...took longer time bcoz this M2U kacau offline now M2U working fine..This post has been edited by veera77: Dec 28 2018, 02:38 PM |
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Dec 28 2018, 03:03 PM
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#260
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1,229 posts Joined: Jul 2011
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QUOTE(AskarPerang @ Dec 28 2018, 02:58 PM) Bait pasang at how much amount per catch? Whether 100 or 30k bait...same only bro...its all about timing, luck and ‘spamming’ skills.. |
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