Imagine the ASB dividend for this year is 6.5%. Those who didn't do sign up for the ASBF when they had the chance would have lost money through opportunity costs this year, and last year, and last year, and last year.

All i am saying is that the investors who utilized the ASBF has been profiting off the scheme. The ones who have been losing the opportunity (Time Value Money) can only seat at the sidelines, hoping others who took the initiates would lose money. Kinda sad when you think about it.