Ultimate Discussions of ASNB Fixed Price UT, Magical UT only in Malaysia
|
|
 Nov 5 2018, 07:44 PM
Return to original view | Post
#1
|
 
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven 
|
QUOTE(veera77 @ Nov 5 2018, 01:02 PM) Talking about kids saving. Sspn can withdraw any amount any time right?In Budget 2019, SSPN saving tax relief increased from RM6,000 to RM8,000 per year. You could save more tax money plus get some dividend. Usually SSPN dividend much lower than ASx.  |
|
|
Nov 15 2018, 09:42 AM
Return to original view | Post
#2
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(veera77 @ Nov 14 2018, 09:26 PM) I bought @ S2Height 8 yrs ago 240k (wife govt loan) and now bank value 560k.. So, capital gain 320k (133% over 8 yrs @ average 17% per year) If i sell today, Tolak 3% 20k (agent fee) and gain tax 5% (15k)..still i make 320-20-15 = 285k Net gain = 285k / 240k = 119% (average 15% pa)..  QUOTE(veera77 @ Nov 14 2018, 09:35 PM) I paid off 3.5 yrs ago...so i paid interest only 4.5yrs.. I've always see one common thing that ppl make is to assume that one they pay off the loan, u r not incurring any "interest lost" on the house. Actually u r losing the potential earning from the cash u use to pay off the loanRough calc 240k x 4% (govt loan) x 4.5yrs = 40k interest paid * i have to paid-off bcoz my wife resigned from govt service... E.g. Guy A buys a house 1m house with cash... 5 years later he sell at 1.15m.... He thinks he earned 150k Guy B puts 1m in FD @4% pa, 5 years later he get 1.22m So, if u ask me guy A has already lost 70k... For simplicity sake, I am not including tenant income whatsoever, but to remind ppl to be careful when calculating returns in property investment |
|
|
Nov 15 2018, 02:14 PM
Return to original view | Post
#3
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(mushigen @ Nov 15 2018, 11:41 AM) Many people think the house will be worth more than 1.15m five years down the road. Of course, truth is the price may plunge instead. Well, my point is to include hidden evaluation when calculating a property profitability, so that ppl don't blindly go into property investment..I have seen house owners who buy house in cash, then set a target price... leave the house empty and seemingly happy to wait a few years until that target price is reached. They are naive into thinking just bcoz there are no home loan interest, they are not "losing" any money |
|
|
Nov 15 2018, 02:54 PM
Return to original view | Post
#4
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(55665566 @ Nov 15 2018, 02:24 PM) Might as well put it in any commercial reits to get return immediately? I am not sifu enough to give advice... but property investment to me seems very unattractive at the moment to me |
|
|
Nov 17 2018, 09:40 PM
Return to original view | Post
#5
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
Damn.. miss ASM party... Hopefully tomorrow have again
|
|
|
Nov 30 2018, 03:10 PM
Return to original view | Post
#6
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
I always try 5k at a time..
Anything too low is kinda waste time |
|
|
Dec 21 2018, 01:09 PM
Return to original view | Post
#7
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(AskarPerang @ Dec 21 2018, 11:37 AM) ASB lowest dividen giveout ever in history. R uu kidding me? 7% wanna konplen? Y don't u head down to fsm thread.. everybody is crying thereThanks to the change in government. Thank you PH. Thank you LGE. |
|
|
Jan 8 2019, 04:26 PM
Return to original view | Post
#8
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(nexona88 @ Jan 8 2019, 04:07 PM) boss..nowadays M2U top up instantly in real time.. How does M2U topup works??gone the days u wait for few days to updated... and now even in M2U, can see your ASNB fund balance & all the transaction history.. got linked yo  but as usual rm1 fee is charged  Still have to try a lot of time??? Need to enter captcha?? |
|
|
Jan 10 2019, 11:44 AM
Return to original view | Post
#9
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(veera77 @ Jan 9 2019, 11:02 PM) Personal loan promo (not in Malaysia) U invest in ASNB becoz it's stable, but want to borrow money in foreign currency... ??APR 5.25%, Flat rate 2.82% (inclusive insurance). Does it worth to take this personal loan, and invest in ASNB ? Please throw your opinion...thanks U gonna cry man bcoz of the fluctuation |
|
|
Jan 17 2019, 11:06 AM
Return to original view | Post
#10
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(veera77 @ Jan 16 2019, 10:15 PM) Now Citibank Malaysia Credit Card promo giving ‘Quick Cash’ from CC limit at the rate of 5.33% flat rate.. 5.33 % convert to effective interest rate is 9.7% is shockingly high...Thought take that with 6 months repayment option an invest in ASNB...but now have to think twice... Even if your ASX returns 8% also u lose money... ASNB loan is effective interest 4.X ~ 5.X still can earn a little |
|
|
Jan 22 2019, 02:19 PM
Return to original view | Post
#11
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
WTH... again??? i see 100+ unread replies in this thread, i agak agak know what happen d...
Damn y always happen on weekend 1?? |
|
|
Jan 22 2019, 02:43 PM
Return to original view | Post
#12
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(DBHILUHDAQWISRTNJ @ Jan 22 2019, 02:23 PM) U guyz so keng , can hold the money juz for asm1 ??? can take out from home mortgage loan mah...  |
|
|
Feb 1 2019, 04:24 PM
Return to original view | Post
#13
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(saitong09 @ Feb 1 2019, 04:09 PM) My friend prefer Tabung Haji over ASB Full of scandal also dare to play...They only rely on gov guarantee only... If TH is private, confirm bank run d |
|
|
Feb 22 2019, 10:06 PM
Return to original view | Post
#14
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(spiderwick @ Feb 22 2019, 09:12 PM) just wondering, i had ASM2 account long time ago..and recently went to counter to open for ASM3. Managed to buy RM 50 for ASM3 to open account and linked both to online myasnb.. Yes you can buy online a new fundfor ASM1, i didn't get to open the account as it was suspended like what all the taikors been saying, so if that's the case on 1 April if there are some lots being released, could i purchase through online? or i still need to go to counter to open ASM1? then only can link to online?  |
|
|
Mar 29 2019, 03:20 PM
Return to original view | Post
#15
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
I must admit the 5.5% made me hesitate to pump in much to ASM ..... IF its available lah
|
|
|
Mar 29 2019, 03:48 PM
Return to original view | Post
#16
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(BaZingLa @ Mar 29 2019, 03:34 PM) which means u dare not to pump in even it is available? got pump lah.. but maybe half my target...dunno lah.. conflicted... lol |
|
|
Mar 29 2019, 03:54 PM
Return to original view | Post
#17
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(nexona88 @ Mar 29 2019, 03:50 PM) join the group of non believers FSM, stashaway... I'm thinking of going in Funding Societies too.... and more chance for those want to buy on serious note.. wonder where u would invest if not in ASM?  |
|
|
Mar 29 2019, 05:14 PM
Return to original view | Post
#18
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(nexona88 @ Mar 29 2019, 05:10 PM) huh.. TS of this ASNB thread & stashaway is same.. lolsuch insult... u asking if there's thread of stashaway... link https://forum.lowyat.net/topic/4750563 |
|
|
Apr 1 2019, 04:11 PM
Return to original view | Post
#19
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
bloody hell... always miss the window one....
|
|
|
Apr 1 2019, 04:14 PM
Return to original view | Post
#20
|
|
Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
|
QUOTE(avinlim @ Apr 1 2019, 04:12 PM) I have been waiting for whole day today. once see ppl post here, i go..but also too late...haiz... So sad.... we are not fated with ASM.. |
| Bump Topic Topic ClosedOptions New Topic |
| Change to: |  0.3085sec
 0.65
 7 queries
 GZIP Disabled
Time is now: 1st December 2025 - 05:36 PM |
Quote