Not necessary right? There's some form to increase your contribution from salary. Only self contribution is limited to 60k. If company deduct and pay, the sky's the limit. Am seriously considering this, 5.5% + all the catchas vs 100% dijamin oleh kerajaan 1Malaysia.

if they pay 6+%, I would think it's from those retained profits from the past.

I don't think 3 years. I think we never will. 1/3 of 60 years from our top cleaner now

This post has been edited by beLIEve: Mar 28 2019, 12:50 PM

I don't mind catchas actually. More interested with the dijamin oleh kerajaan 1malaysia.

Old folks like me can withdraw If I'm more 疊水 than unker, you can call me grand unker already.

wahhhh I thought it's the Chinese complaining. I go looky see FB, mostly Malays.

Seems like some say loan interest higher than dividend. Not sure true or not. Even if not true, probably cannot make money work as hard as they used to.

yeah. As long as not Chinese complain it's ok la. Sekali ASN tarak syok, convert the ASM1 to VP or lower dividend next year.

I think most Chinese are content as long as higher than normal FD. Most aunties I know don't know all the promotional 4.x%. To them, extra 2% each year is good.

This post has been edited by beLIEve: Mar 28 2019, 04:34 PM

Eh the Chinese aunties I know also treat ASMx as savings. Even well educated Punjabi I know also say it's savings.

Either way, they still made more than me with my promotional FD.....I just started ASMx 1+ months ago.

Edit : I searched around, looks like 6% dividend can barely offset the loan financing. CIMB : Interest rate of BR + 1.30% p.a. ASB still a bit of profit. ASM1 almost no profit already.

Arab Malaysia : Base Rate [4.10% per annum] + 1.50% per annum

This post has been edited by beLIEve: Mar 28 2019, 04:50 PM

hehe I thought your theory was not enough units to give as dividend. so declare less dividend

I thought they have some reserve fund to make it 6%.

Now grand unker has 3 days to decide EPF or catcha.

I think those who take loans and end up losing money are upset. I thought the ASB loan was 4.x%. Now I check only know it's 5.x%. If they got a higher loan rate, 6% dividend also might not be able to cover.

Ignorance is bliss?

For those who buy with extra money, yes. For those losing money from loans, might not be. Some more I read will kena penalty if sell everything and terminate the loan. Boy aren't they pissed at the current govt.

If not taken care of, who is going to vote for the govt? You?

Umm kinda to trigger your imagination

Ok loh. Not political la. It's the govt of the day. Doesn't matter which political divide.

Right. Think on the other side, there are people with superior luck that can override yours bro. They also kena.

Mom's friend say got 5.5% 偷笑 loh. One of the many who doesn't fully understand how ASM works, believing can lose money.

This post has been edited by beLIEve: Mar 28 2019, 07:35 PM

https://malaysiakini.com/news/469942

menurut Zeti lagi, strategi pelaburan masa depan PNB tertumpu ke arah kepelbagaian dan ia akan meninjau peluang dalam ekonomi yang maju dan sedang pesat membangun, secara berperingkat.

Looks like they will go global, maybe through some new funds.

This post has been edited by beLIEve: Mar 28 2019, 07:48 PM

Yes milady. How can I forget. First thing I thought of is what you said. Now see they open for 1malaysians and make it fixed price or not.

This post has been edited by beLIEve: Mar 28 2019, 09:59 PM

stock market is indication of the future. If companies in the KLCI are not projecting a bright future, prices won't go up. So KLCI cannot go up.

Big brothers might support at request of the government. independently, there's no reason to buy into dying companies.

I presume ASM1 is typo.

And no, no sale. I've been trying 10k ASM2, habuk pun tarak

This post has been edited by beLIEve: Mar 29 2019, 01:10 PM

oh then you mean the side effect lah.

knee-jerk also monday la. now is just normal selling. 1k-2k a day normally possible. no jackpot 10k, so everyone other than those taking loans to buy is still content.

For those near retirement, EPF. Beyond the 60k, there's some forms (I think Form 17 or 17A) to fill but sounds troublesome for me, because it needs to be submitted to my HR/Finance that's not based in 1Malaysia. Worse still, our payroll is outsourced. And then I might have to cancel it the day I take loans, otherwise I virtually will have no money left to pay installments. I was considering 50%+

I'm no expert in economy, so I don't know how many blue chips are affected by cancelled projects and barang turun (like Unify). If no barang naik or secure new projects, their dividend to ASN will remain the same for years to come, and so will ASN's dividend to investors.

EPF has BetterSea project. Once we go through the next recession, EPF probably can make some good money from it.

that's why lah. Some posting here are misleading. The other day also someone say managed to buy ASM1. I nearly logged in to ASN to check, but changed my mind, because in ASN (that these counters are suspended) we trust

This post has been edited by beLIEve: Mar 29 2019, 05:40 PM

so strange that unkerpanjang just signed up and head straight to this thread. Really endless possibilities here la