The lowest ASB returns ever been was 7% p.a.

Returns are based on distributions and not based on capital appreciation (or depreciation), so will never be negative (there are no such thing as negative distributions)

Capital guaranteed by PNB, RM1 per unit fixed, wont change forever

You can sign up at the banks, or approach ASBF brokers around such as myself.

Totally up to you, no difference on the financing package except they may force you to sign up for Takaful since that is part of your KPI

But first you must be eligibke to open ASB accounts