EPF, my guess is 5.75% for shariah compliance, 5.9% for conventional.
Asb2 6.3%, asb3 6.0%.
All is guessing, based on previous dividends.

And EPF self contribution.

The URL is myasnb or fpx page?

Woah.. Seems like some coding only...
Portal kena hack ahh

Some people like the word ‘capital guranteed by govt’...including me..

‘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..

like singapore saving bonds

**Myasnb page c error. **

- TH is a saving product, hence it can be capital guaranteed.
- 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.

This post has been edited by vanitas: Dec 23 2018, 12:54 PM

But the interest is low..
Almost like our FD rate yo...

Given gov is the one borrow / issue bond, and they could print money, of course can guarantee...

fixed priced merely the price of units being fixed, it can have positive or negative cashflow/gearing in the accounts and losing capability to pay you back even it stands at 1.0000 or whatsoever.

capital guaranteed you'll able to get back totality of money invested from day one (by fund company). basically it is just how the investment being structured (supported by contribution plans and hedge mechanism); either highly investing into low-risks or skew towards higher risks returns.

nothing is guaranteed in this world especially investment

95% of ASNB investor...for them ASNB is saving account...today masuk esok keluar...get same amount or slightly higher includes dividend

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

For fixed price, I got no comments, one of a kind in Malaysia, about losing capability to pay back, any company (including bank, PIDM, investment company that offer capital guarantee fund) would have that chance, unless it is BNM that able to print ringgit.

I would give more info on capital guarantee fund, there is a tenure, at the end of x years, you get back money from day one and any profits / interest (if any). So FP fund cannot fit in this definition.

This I agree with you.

And certain portions of TH holders see it as investment, instead of saving account.

Anyway, just because ASNB write it in product disclosure sheets, it wasn't capital guarantee fund under guidelines, so more people question it. In fact EPF is having very similar structure compared to ASNB FP, but not much people doubts on it. Or you want to know EPF nav as well?

Edit: from gov perspective, market is very sensitive, disclose any loses will trigger lost in trust, increasing our risk like TH case, even it is guaranteed, many would still withdraw. So it is better to hide that info, because there is no forever profits (and loses) in the market. Or you think transparency matters more, even bank run would happened? (I support keep the NAV in secret, would like to hear why some people want transparency)

This post has been edited by vanitas: Dec 23 2018, 03:06 PM

I am new to this, I have some questions:
1. What's the difference between opening account thru banks and myASNB?
2. If the financial year ends March 2019, and I buy today, will i be eligible for the dividend?
Edit:
3. What are the differences between asm1,2 and 3? Apart from dividend%


Thanks

This post has been edited by issac96: Dec 23 2018, 04:41 PM

What error?

1. U first time (fresh) without any account? Then die die must open at bank.. MyASNB u cannot even access..
If got account number.. Then u registered at the website.. Follows what the portal says.. U easily can add any funds u want..

2. Yup. Pro rated January - March period only...

3. Fund size, portfolio & unit holders numbers...

Hi all, quick question.
Can I move my fund from (let's say) asb 1 to asb 2 without going over the counter (bank/post office/ etc)?

no

Sara 2 is not like any other VP funds. others are historical price. Sara 2 is forward price. You cannot open yet because price & units bought has not been finalised. So it's not yet confirmed. Need to wait 1 or 2 days

ok thanks a lot. i got another question how do i know whether got allocation? how to get the news?

Your question has already been answered before.