Just wait. For ASB to declare its dividend.
Negative news might be coming out if pnb planning for lower dividend.
if u are afraid then just get out before it is too late.

If you want all those info, buy UT or variable price fund, as simple as that.

Why don't you benchmark ASN (the best performing VP in ASNB) with TH? Dig that info and share to us.

I hav no plan since beginning to dig that info but since you provide some data which not relevant that's why i ask.. if don't hav then is ok ya.. anyway pnb should really make you as ambassador since you sing praise song all the time for them..

Since when I sing praise song for them? I even ask you to sell all, buy UT.

Anyway, if you not willing to dig any info, then why ask info at the first place? Instead asking people spoon-fed, why don't take an initiative to share some useful info? It is highly relevant between fixed price and variable price fund, since it is under same umbrella.

Edit: if you got info from somewhere, it is running out of reserves, then you can share. Otherwise, you can accuse every companies as 1mdb, and this doesn't help anyone at all without proof.

This post has been edited by vanitas: Dec 11 2018, 07:38 PM

Ultimate lesson learn, buy all ASM1,2,3 units when you open the Bijak account and bring MyKid for all counter transaction if you are designated guardian. My mistake for thinking just apply once you don't have to bring MyKid the following visit.

It's ok bro, being a sensitive guy will be less sensible at the same time.
That's why asking me to sell all FP and buy UT. Hehe

There is no best investment, hence no smarter or less sensible investor.

Buy UT is never a bad choice than FP, given investors want transparent information, and able to choose variety of funds according to what they need, e.g. oversea exposure, riskier equity, safer bond, etc. The average return of UT can be higher than FP double, triple or more, with chance of losing capital. At the end, FP is no different than UT rather than no transparent information.

Disclaimer: I hold some UT, and I won't said people less sensible for buying any investments (including FD) but not FP.

Then why not you sell all FP and buy UT as previously advocates?
Is this sensible or not sensible.

I don't ask for all info, but you did, so I suggest you take UT instead.
It is sensible for you, because you can't stand low transparency, and feel asnb is like TH. And I know a lot of UT investors that didn't trust asnb fixed price like you, even accuse it was ponzi.

Please check back, I didn't ask anything and just sharing the link and you already asked to sell all FP and buy UT instead. Im not sensible either, it just that someone being too sensitive.

How u know I didn't buy FP, how u know ppl calling it Ponzi but still buying it. How u know ppl vested in FP or not. Everyone has the choice not for you to conclude, as if you're sifu or investment.

- You did ask something, see quote above.
- I asking people to sell FP if feel it is like TH, nothing wrong with that. If got confidence, just keep, why is listen to me?
- I didn't claim I know all the things you mentioned, I even mention every investment is not a bad choice, only you saying dump FP into UT is less sensible.

It's less complicated than pusing like roti canai, just read #2496-99.
You are right, nothing wrong being sensitive actually.
Even less sensible cause no harm to the society.

If feels like TH then has to sell all and buy UT, then why TH investors still not moving their funds into UT?
If you recommended that and did not happen, what to achieve in the end of the day?

It is just a suggestion, recommendation, for those with less confident on asnb, or feel it has negative reserves.

Anyway, for TH case, then you need to ask them. If it is me and qualify for that, provided no rescue plan proposed, I already move TH money into asb, asb2, or even asb3, but not UT (yet), because I still got confident on asnb.

As for what to achieve? Ask yourself too. This is internet, freedom of speech, no need specific reason.

today so lucky. type 10k terus get ASM2

Still can't quite get the rationale to sell all FP and buy UT.

And stand corrected that using reserves to pay dividends in TH was happened to ASNB as well. Nothing wins all the time, regardless of ur contident level

I suppose the only difference is that the law doesn't allow TH to give out dividends if they have negative income.

I mentioned IF feel like TH. That's mean IF there is official news saying asnb is paying dividend using NEGATIVE reserves, for me, I will sell all FP. Whether buy UT, or any other investments, is to be considered later on. But UT is the most similar investment to FP, other than not fixed price.

And it is up to you to continue keep it, even for TH, yes there are a lot of investors still keeping it, but there is rescue plan coming in the same day, you can't guaranteed rescue plan might come out for asnb, as it is few times bigger than TH.

And whether this is good strategy or not, is depends on individual investor.

The law also gives ASNB the chance to give 0% dividend essentially no dividend anyway, regardless positive or negative income.

But as long as it got the financial capability, it will still give dividend of course.

For ASM3 and ASM - Wawasan ?

Already paid this year at the end of August and September, both 6%.

Now 3 months passed, personally think ASB will be as usual, higher than 6%, but not more than 8%.

With the case of TH exposed...i believe PNB, EPF, ASH and other govt-linked trust fund, would be more careful in their accounting, financial statement and dividend payout..

I prefer to receive dividend from earning profit only...seriously i would not be happy if i get dividend from reserve or by hidding impairment loss....

paying dividend from other than profit, is sign of shinking ship...u must get your safety jacket on...