not check here check there? or subscribe for updates.

Anyway, let's see tomorrow easier to buy or not. Without the 0.4% bonus issue, only 4.85% for bumi. for non-bumi like unker panjang, 4.5% is just nice

don't worry, tomorrow will be easier now that ASB3 is out.

Bangsa Cina dividend normally lower than bangsa Bumi. Remember ASN was setup to help bumi? If ASBx dividend lower than ASMx, might as well open ASBx to all.

yes unker

but yeah, there's a possibility ASM2 will do better. ASM3 not sure la, since it's relatively new. but your survey really raise question loh

i keep seeing people say they lose 1money and never recover after years. unless you can find one that outperforms, you lose.

Long term - imagine your trust fund starts at $1. Let's say you buy $1000. Every year give you 10% dividend. After dividend, it goes ex, so after year one, you have 1100 units but the ex-dividend price becomes around 90 cents. Year 2, you have 1210 units and price becomes 81 cents. So after 8-10 years, you berak even. After that, all profits.

sometimes the market goes up, so your fund goes up as well. You make some profits from there as well.

This post has been edited by beLIEve: Jun 24 2019, 06:00 PM

Sorry but I don't understand why they need protection or worry people doubt them.

They're benchmarking against non-promo FD, and so they're still doing very well. People like us are still dying to get in, though I'm unsure if the bumi folks are upset. Didn't see any complaints on Facebook either.

One thing strange though - although people say economy no good, prices are still going up.

In fact they should be happy if all those people who catcha nonstop to get out to return stability to their server.

This post has been edited by beLIEve: Jun 24 2019, 07:07 PM

Reserves.....

https://www.thestar.com.my/business/busines...d-ended-may-31/

Income dipped 1.4%, better than KLSE and lurking to diversify woh. Dangerous to stray away from their traditional strength.

Yeah it's tiring when age catches up. That's why I'm porting over to ASM.

You'll be surprised some old folks who doesn't know computers will buy bank drafts, bank in another bank, withdraw through another bank draft, and FD to same bank again few days later.

Yes, agreed. I've several reasons like job scope changed, so I've less time to snake out. Tired of doing that, lazy to beg banks (sometimes they allow to renew without moving funds around), etc.

With ASM, I probably will lose the first month since I don't think I can move everything into it within days. But as long as I can buy at least 1k a day, it's good enough.

Wahhh do I feel old or what. During the ASW time, I was broke and wasn't aware of it. During ASM, also broke and not aware of it. During ASM1M, saved some money but not also not aware of it. That's why I'm here fighting for units with you all today Otherwise I will be shaking legs.

ohhh? I only aware EPF bought some properties overseas. I think that Bettersea will bring good returns since it started development years ago, around the time of the subprime crisis. Didn't bother to check the forex, but apparently, GBP fell as much as 1MYR the past 35 years. I remember it was around 1MYR5 to 1GBP at that time, and it's around the same now.

either way, half my pay is going into EPF now, so, less needs to fight for ASMx.

This post has been edited by beLIEve: Jun 25 2019, 12:22 AM

paogeh
> u mean, instead of 11% +12% EPF,
> u opt for 50% ?
Yes

> What;s the benefit of this ? (forced saving ? )
No need to FD or catcha ASM Money 100% safe, safer than FD and ASM.

> since EPF can only withdraw after 55 ......
50 can withdraw Account 2 already.

> and if i remmebered correctly, EPF limit RM60K deposit per year too
Yeah. Self contribute a bit, ASM a bit. In other words, if I feel cannot buy ASM fast enough, I dump into EPF 1 day before the last day of the month (because it takes 1 day for EPF to process and money must be in BEFORE 1st calendar day to entitle for that month's dividend).

saya yang menurut perintah unker

wahhhh i didnt know so much. thanks for the info.

> Hi sifu, with the epf, you apply to contribute 50% salary and on top of that you self contribute also?
yes toudai.

> The self contribution need to apply/fill any form? Or can straight bank in using internet banking? I noticed there is option on public bank internet banking for epf payment.
Straight bank in. I used public bank. Day 1 transfer 1money in, Day 3 reflected on EPF online as Day 2. Never tried using maybank2me, but I've seen people in one of the EPF threads say 1-3 days.

oh yeah, I got a sample Transfer form from an agent bank. Teller had to spend some time to lurk for the form, and told me never done A-to-B transfer before. At most, it's convert funds (which uses the same form).

As what elder nexona posted in Post 21 (https://forum.lowyat.net/topic/4677986/+20 / https://i.imgur.com/p14jaUQ.jpg)

This post has been edited by beLIEve: Jun 25 2019, 10:59 AM

still usaha'ing my tangga kejayaan. this 2 days don't look good

I thought that's all out of love greed

I think need to check the counters they bought in. I also didn't notice ASB 3 is odd one out.

if everyone as smart as you two, the gurus no need cari makan loh. the beauty of this is, majority are not, but they're trying to reach where you are. so the gurus cash in on that, give what they want, and they give what the gurus want.

Without them buying up houses, property counters cannot make more 1money, and in turn, less profit sharing to ASN and EPF, and so less income distribution to us.

This post has been edited by beLIEve: Jun 25 2019, 10:44 PM

Morning unker.

Make sure to include your Tabung Harapan donation receipt to Tun M.

Now maybe month end syndrome. If Jul 1 still so difficult, I just might sign up for 75% EPF contribution.

Aug you new rod but have to challenge with unker DBRUSSELL. Won't be easy. Or they implement the 3 tries per 5 mins.

This post has been edited by beLIEve: Jun 26 2019, 11:42 PM

Yes.

More difficult to reach 1m than withdraw above 1m. I think EPF ideal for people few years to retirement. Not suitable for young people unless very sure don't need the money.

nexona88
Nearly forget, ASN has occasional sale also. Maybe we target that one?

This post has been edited by beLIEve: Jun 27 2019, 12:06 AM