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> Ultimate Discussions of ASNB Fixed Price UT, Magical UT only in Malaysia

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Ramjade
post Nov 1 2018, 08:13 AM

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QUOTE(nexona88 @ Oct 31 2018, 11:30 AM)
Well if SC didn't give approval..
Jan 1 2019.. FP ASx funds needed to clearly disclosed their true / real NAV... Meaning would be just your ordinary UT VP funds ๐Ÿ˜ˆ๐Ÿ˜•๐Ÿ’ฉ๐Ÿ™…๐Ÿ™‡
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Maybe expose true NAV but price at FP devil.gif

QUOTE(nexona88 @ Oct 31 2018, 04:15 PM)
don't needed to disclose the real NAV till 31 Dec 2018.
2019 1 Jan onwards, would needed to publish the real NAV.. so it's just your ordinary UT.. No more fixed @ rm1/unit  innocent.gif
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See above.

QUOTE(kkk8787 @ Oct 31 2018, 04:33 PM)
Need to publish doesn't mean need to follow kan lol
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Exactly.

Wow long time never come in here, all making issue such as this again.

Ramjade
post Nov 2 2018, 04:31 PM

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QUOTE(nexona88 @ Nov 2 2018, 03:51 PM)
Thereโ€™s an Unauthorised ASNB App That Can Steal Your Account Information
BEWARE..

user posted image
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Report.
Ramjade
post Nov 2 2018, 06:08 PM

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QUOTE(nexona88 @ Nov 2 2018, 06:07 PM)
I don't understand?  hmm.gif  unsure.gif
what u trying to say?
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Report to Google. Sorry. Termiss blush.gif
Ramjade
post Nov 11 2018, 05:47 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Nov 11 2018, 05:16 PM)
Sorry , off topic awhile .
Quick question , public mutual vs asnb , for long term like 20years.  Which one better ?
Cause just now my friend say public mutual dividend 8-10% .

I try to read the website but maybe unker bodoh , cannot understand.

Public mutual vs asnb for long term , who better ??
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Avoid public mutual at all cost. Best to go via FSM MY way.
Dividend in variable price fund is useless as is masuk left pocket, keluar right pocket.
More info can be found here FSM thread (first page). Returns depend on whether the fund is good or not. Got nothing to do with brand name.
Some bad fund give less than FD returns, some good funds give return 2x of ASNB.
Your choice, you call.


QUOTE(veera77 @ Nov 11 2018, 05:33 PM)
nowadays buying private variable UT is like buying bursa stock...too many unit trust to choose from...thats why i still prefer Bursa compared to private UT...same effort required to choose the best UT/Stock..

so make it simple and straightforward:

- UT is mainly moderate/high risk, definately for long term minimum 5 yrs to able to see significant return...plus u need committed/experienced UT agent who good in adjusting portfolio whenever required..otherwise your UT might sink unnoticed...

- ASNB FP is low-risk and for people who expecting stable return. no need to depend to UT agent and no need checking price fluctiation...
conclusion...which is better is purely depending on your risk appetite...
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Not true. You don't need an adviser. You need reading.
Ramjade
post Nov 11 2018, 06:40 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Nov 11 2018, 06:32 PM)
Good idea.
How to buy ? With bank ar ??
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Never ever buy from banks/agents. By buying from them you are giving them free 2-4% commision. But from
FSM MY
eunittrust

Both offer near zero % service charge.
Ramjade
post Nov 11 2018, 06:49 PM

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QUOTE(DBHILUHDAQWISRTNJ @ Nov 11 2018, 06:46 PM)
Helpful info .

Thank-you.
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I thougt unker takut mati? How come decide to try luck with UT? hmm.gif
Ramjade
post Jan 26 2019, 08:43 AM

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QUOTE(lolwei @ Jan 26 2019, 01:50 AM)
Any good deals right now for low entry amount? Looking to put in about RM2k but all the offers are RM10k min. sad.gif
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Here you go.
Min only RM100. You get 6%p a
Better than FD right?
Ramjade
post Jan 26 2019, 12:40 PM

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QUOTE(xeon1989 @ Jan 26 2019, 10:47 AM)
Take note that not 6%pa every year.
As told by all unkers and sifus above, this year probably lesser, but supposed to more than FC.  rclxms.gif
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It have always been >6% p.a
Worse also 5.x but still more than FD
Ramjade
post Jan 27 2019, 04:45 PM

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QUOTE(alexkos @ Jan 26 2019, 11:44 PM)
woohoo sad yo. ayam net worth below 6 figure....

ok, let fsm eat.... no choice...

but only earn like 1%+, might as well hoot FD?
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If you have no 6-7 figure, forget about t buying bonds. No. Hooting FD is a stupid idea when asnb FP is doing the same thing as FD with additional advantages.
1) higher returns
2) no penalty in early withdrawal

ASNB is as good as a bond as you can get.


Ramjade
post Jan 28 2019, 09:08 PM

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QUOTE(AvenueX @ Jan 28 2019, 03:20 PM)
Ya lo.... so I'm sitting over here thinking if a crash similar to 08 happening will we sh*t our pants or not.  tongue.gif

Now single negative can be good chance to pull out some and go in again if anything happens. If pull out what to buy for 5-6%?
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The answer to your question.
Ramjade
post Jan 29 2019, 07:18 AM

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QUOTE(AvenueX @ Jan 28 2019, 11:26 PM)
Bro thanks.. But I'm not bumi. How to approach this?
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Read page 1. All info is there.
Ramjade
post Jan 31 2019, 07:11 AM

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QUOTE(Seeker94 @ Jan 30 2019, 10:53 PM)
Hi, sorry i'm quite new to ASNB and i'm trying ASM1 , ASM2 and ASM3.

I've just opened by ASNB account but i've not managed to get the initial Rm100 in to open the online ASNB account.

I've tried morning and afternoon everyday for the past week but i can't get the fund.

Can anyone help to suggest what time is the best time to try my luck to get the fund in? A.k.a when do people normally withdraw.

Hoping with CNY coming, i'll get a chance to put a little bit in.
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Follow this forum daily. Few days ago got mega sales where one can easily pump in 5 figure. Reading first page also helps.
Ramjade
post Jan 31 2019, 10:36 AM

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QUOTE(lordwood @ Jan 31 2019, 10:32 AM)
why so hard for non-b to fish for FP. Sigh...
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Wrong timing. See first page for best date for fishing.
Ramjade
post Feb 14 2019, 12:03 AM

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QUOTE(Jordy @ Feb 13 2019, 05:41 PM)
If only you are Bumiputera (which is kinda discriminating towards the non-Bumis though).
Anyways if you are Bumi then you have many other sources of Government guaranteed investments, unlike non-Bumis.
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Kindly check here. Non bumi also can buy
Ramjade
post Feb 16 2019, 09:04 PM

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QUOTE(nicholastze85 @ Feb 16 2019, 04:16 PM)
Hi guys.

I'm Chinese. Can anyone guide which asb I shud invest.

First time. And no clue bout this. Where can I register ?

Pls advice
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Read first page.
Ramjade
post Feb 17 2019, 11:27 AM

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QUOTE(BotakLk @ Feb 17 2019, 06:41 AM)
Hello, I'd like to ask a question about ASB regarding something I have been told people doing but I can't justify or see the reason behind. I know different people can have different interest and goals and perhaps in doing this thing there is something beneficial.

So... I have been told to divide my ASB financing investment in smaller pieces, let's say instead of taking up a full 100k or 200k ASB loan, divide it in for example 4 25k or 4 50 k differentiated investment. I am not sure if they supposed to be of different tenure like one of 5 yrs one of 10 yrs and so on, it wasn't clear.

Anyone heard about this way of doing things? but how exactly and for what reason?

Thanks.
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The answer is simple. When you are taking a ASB loan, you are taking a loan which means less loan for house and car.
Ramjade
post Feb 19 2019, 02:10 PM

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QUOTE(yahiko @ Feb 19 2019, 01:33 PM)
successfully brought 1K asm2 and 3.. no more bullet liao  dry.gif

btw what is Magical UT??
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Magical UT where you can't lose money.
Ramjade
post Feb 19 2019, 10:18 PM

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EPF or asnb FP better buy?
Ramjade
post Feb 19 2019, 10:58 PM

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QUOTE(nexona88 @ Feb 19 2019, 10:33 PM)
wah..
suddenly u asking this kind of question?
really got burned huhย  blink.gif
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Nope.
Get yearly free money from banks must decide where to put it. biggrin.gif

This post has been edited by Ramjade: Feb 19 2019, 10:59 PM
Ramjade
post Feb 27 2019, 02:19 PM

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QUOTE(prophetjul @ Feb 27 2019, 02:09 PM)
Looking at the dividend payout, the trend of payouts seems to be trending downwards?
Will we see sub 6% soon?
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Risk free 6%. Way better than FD

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