Obviously the smallest part is asm1.

Guyz , plz show me your baby.

Wah , definitely not .

You c beh song loh when dividend day.

Haha , mine even worse. 3.3% asm1 .

But doesn't matter , as long as able on time masuk asnb fp.

U must let her know better don't withdraw from asm1 .

If this is real , then total amount at least 5m .
Keep 12 years kasih compounding ,
alamak ,become 10m .

Immediately retired .

Bang , tak boleh retired . 300k dividend per year cannot enjoy life kuat kuat.

Unker very greedy haha.

This post has been edited by DBHILUHDAQWISRTNJ: Jan 9 2019, 04:01 PM

300k/12=25k per month ,
bayar car , parents , kid , house , insurance , pocket money then no more extra money makan angin.

Hmmmmm, I ada sikit feel MGM otw , lolz .

I better stop here.

5m for 60year old , probably writing will but not spending money .

**In 2017, life expectancy at birth in Malaysia is 72.7 years for male and 77.4 years for female.

This post has been edited by DBHILUHDAQWISRTNJ: Jan 9 2019, 04:24 PM

interest rate start from 5.25% apr equivalent to 2.82% flat <--- tak faham ,

sorry to ask noob question here , what is the interest charge per year ??????

What is Effective Interest Rate?

An Effective Interest Rate plan computes interest payments based on the remaining outstanding principal at the end of each term and works on computing interest on a reducing balance basis. It is commonly applied to mortgage loan financing in Singapore.

For example: A borrower takes up a loan of $100,000 over 5 years @ 3% effective interest rate. The total interest that the borrower pays at the end of the 5 years tenure is $7812.14. The interest computation is done based on the outstanding principal balance at the end of each repayment month.

What is Flat Interest Rate?

A Flat Interest Rate plan computes interest payments based on the initial original principal. It is commonly applied to car loan financing in Singapore.

For example: A borrower takes up a loan of $100,000 over 5 years @ 3% flat interest rate. The total interest that the borrower pays at the end of the 5 years tenure is $15,000 ($100,000 * 3% * 5 years). The monthly interest repayment is $250/month ($15,000/60months) regardless of subsequent principal reductions.

What is an Annual Percentage Rate - APR
An annual percentage rate (APR) is the annual rate charged for borrowing or earned through an investment. APR is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction but does not take compounding into account. As loans or credit agreements can vary in terms of interest-rate structure, transaction fees, late penalties and other factors, a standardized computation such as the APR provides borrowers with a bottom-line number they can easily compare to rates charged by other lenders.

BREAKING DOWN Annual Percentage Rate - APR
The APR, by law, must be shown to customers by credit card companies and loan issuers to facilitate a clear understanding of the actual rates applicable to their agreements. Credit card companies are allowed to advertise interest rates on a monthly basis, but they are also required to clearly state the APR to customers before any agreement is signed. For example, a credit card may charge 1% a month, and its APR is 1% x 12 months, or 12%.

Loans are offered with either fixed or variable APRs. A fixed APR loan has an interest rate that is guaranteed not to change during the life of the loan or credit facility. A variable APR loan has an interest rate that may change at any time.



hmm.... effective interest rate nad annual percentage rate seems like tak sama.

interest rate start from 5.25% apr equivalent to 2.8% flat <-- i tak faham oso , please teach me .

This post has been edited by DBHILUHDAQWISRTNJ: Jan 10 2019, 11:03 AM

cny around the corner ,now is good timing to top up .

Haha, seems like I'm not the only one enjoy keying captcha .
This asx caused me addictive , now saving account left rm65, tak boleh main captcha anymore. Sienzzz

Bang ,tak boleh . Amount ada show. Lolz.

Next week EPF announcement dividend , expected lower than previous. Aiya , asm1 sure lagi low.

Hopefully pH will do a good job , or else everyone suffering.

This post has been edited by DBHILUHDAQWISRTNJ: Jan 15 2019, 06:26 PM

Opssss , sorry , my mistake.

Ya , should be February or March.

Cny coming , I might need to pay a visit to asnb for withdraw. .

First time withdraw , feeling nervous. Haha .

Wah , don't expect I withdraw big big amount.

Hmmmmm... Bank can withdraw ?? Tomorrow i check check .

**Answer found~
if go hlb bank withdraw cash , max 50k,
If go hlb withdraw by bank transfer , no limit*

This post has been edited by DBHILUHDAQWISRTNJ: Jan 15 2019, 07:32 PM

Hlb Bank transfer RM 2 for IBG.
Rentas hlb rm5 , can withdraw more than 50k.

This post has been edited by DBHILUHDAQWISRTNJ: Jan 15 2019, 08:32 PM

Madam , no worries .
as long as dividend day sure alot ppl withdraw to collect $$.

If asm1 coming dividend below 6% , I think is the lowest in historical .

This post has been edited by DBHILUHDAQWISRTNJ: Jan 16 2019, 08:26 PM

Sigh.... Hopefully can recover in short time .

Haha , most of time I'm a optimism person .
But until Employees Provident Fund (EPF) chairman Samsudin Osman cakap to reporters “You can imagine the market condition, at what level. I cannot say… but I can’t give the answer. We have to look what happened last year to know whether it is good or bad,” he told reporters today.

Hmmmmm , Unker's retired plan gonna delay .