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

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.

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.

- 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 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.

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.

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%.

Strongly support online withdrawal. Not only easier to 'run' (it is not the time yet, unless market is bearish for next two years), but flexible to move money into other potentially better investments.

For ASB - can expect within next 2 weeks.
For ASB2 - it is already distributed backed in March for Financial Year 2017, or next year March for FY 2018.

It was currently for refund purpose, if myasnb having some bugs, transaction failed but deduct your money.
As for must same name or not, need to ask them, advise double check your account number instead.

I can confirm this bugs, key in captcha and submit > redirect to home page.

Get around 2-3 times bounce back for 30 mins attempts.

This bug is better than previous one that will lock you > auto log out and can't login for 15 mins.

Maybe like this
http://delsuria.com.my/?work=pnb-2019-calendar

Anyway, ask if you really need it... Aside save paper /environment issue, everyone asking will cost millions (printing + postage fees) for asnb.. lol..

*Personally my house got a few calendars already, so didn't ask for it. And this applies to any free stuff that you may not need it.

This post has been edited by vanitas: Dec 16 2018, 08:31 AM

Until CIMB told us what really happened, so far no one can give you accurate answer.

Environment friendly kakis is fine, I would advice, but never force anyone.

To answer your question, nothing is safe digitally. Gmail, fb hacked is not unheard, Dropbox password leak, telco data leak, credit card fraud, wifi hack etc is not something only exist today.

Remember I ask uncle use app tac instead of SMS tac? You know western companies already use authenticator, authy etc instead of SMS, while I am not security expert, I did know SMS tac got some vulnerability. So Maybank already have app TAC and forcing to use it, public bank got secure sign device.

Nothing is safe, but those big companies trying to be safer day by day lor...

Actually for CIMB password issue, remind me in earlier days I can use special chars in myasnb password, but now seems can't.

Anyone can confirm this with me?

Hmm, thanks for confirmation, for now where there is no online withdrawal, it is acceptable for me.

But if in the near future there is online withdrawal, you are right, the newer password requirement is a bit too weak.

*Silent readers, remind me to / go feedback on this when myasnb going to have online withdrawal, it is a (better) safety measure for all of us.

This post has been edited by vanitas: Dec 18 2018, 09:06 AM

There are several attempts currently to ditch password, like face recognisation, fingerprint, retinal scan and more.

Like I said, security is trying to improve day by day, who knows future no need password? But for now, just stick with password, no choice.

Spam requests to asnb for online withdrawal.

Spam the requests like asking for calendar. Imagine, just one person send 5 emails ask for online withdrawal, then it would be really fast.

See the email properly only send. Otherwise, you just leak your information to strangers.

Anyway, I wonder email server of pnb would encrypt the emails you sent to them or not. If not, you just increase your chance of leaking own information.

Afaik, banks would encrypt the email that include e.g. IC and credit card numbers.