After ASW2 declared 5%, i can see many start looking for stock investment and other medium/high risks investment options..

Currently the highest dividend in Bursa is around 6-7%..

The main question here...do you willing to take high risk and put your capital at risk, for extra 1-2% return?

There is no right or wrong answer here.
Its all up to each individual risk appetite.

After ASW2 declared 5%, i can see many start looking for stock investment and other medium/high risks investment options..

Currently the highest dividend in Bursa is around 6-7%..

The main question here...do you willing to take high risk and put your capital at risk, for extra 1-2% return?

There is no right or wrong answer here.
Its all up to each individual risk appetite.

nahhhh. I don't use keypad. I use the top row and ended same as you. Worse still, sometimes I double check the capcha before submit, and still get wrong catcha.

i thought it's faster using the rows above qwerty rather than keypad.

There are plenty of options with slightly higher risk than amanah saham fp but you need to do a lot of research. Hint: with asm giving around 5% p.a., and if recession comes next year, it's likely to be below 5% dividend.

Due to the nature of my profession, I get to dig a little deeper into the investment and find out better alternative than asm.

First of all, u need to know your objective of putting money into asm fp. Is it for temporary parking / emergency money or is it for long term investment. No point that I suggest an alternative to you, because the market changes over period. Who would ever thought asm can give lower than 6% based on their historical dividend payout? The market environment is different now. Even if I tell u the alternative today, it might not be the same solution / alternative next year because of the changes in market.

I m not talking bout investing into stock, but e.g. if A ask an experienced stock trader (B): which stock is good to buy? The answer given by A is Stock X. So A bought the stock and hold it, end up losing money after several years but the experienced stock trader B actually profits from it. Why? Because of the active monitoring  and management by the A, A already sold off stock X when it went up without obligation to tell the B that he had sold it off, making handsome profit while B just hold it without doing anything.

Bottom line is that if I tell u a low risk alternative now , but without follow up with you, likely that you wont be benefited at the end of day.

Do you mind sharing why PNB can't work the way before? You think their way of investing and paying out dividend is unsustainable in the long run?

Just my gut feel and I could be wrong.

Look at epf. epf ceo already mentioned where epf may cease to exist one day, look at what epf has moved to - i-invest, member can invest online with epf account 1 and there are massive redemption and investment just within the first wk of its launch. The sales of unit trust funds in that one day are more than few months of unit trust sales in the market.

PNB's fund size is getting larger, every year need to get approval from Scurities Commission to increase the fund size for the dividend distribution. They also face limits to invest in Malaysia and need to go to oversea. They r also rescuing a lot of local companies by pumping in money to them. One day when the reserve cant sustain anymore, or they didn't manage the investment well / change to better strategy, they might start with dividend not being reinvested, then change to vp in the future as open market.

It might or might not happened but we need to have the forward look and understand the way business work in the past 10 years might not be applicable today with AI, technology, open market etc. 10 years ago, fintech doesn't exist.

So one can still practically rely on asm fp for now until there is major changes in the future then only think of other solution. Or get ready now.

siapa dapat pukul 7 tadi?
was trying hard but nothing...

tried at 7:02am and get nothing
need to try at 7:00am   

siapa dapat pukul 7 tadi?
was trying hard but nothing...

Just my gut feel and I could be wrong.
..........

So one can still practically rely on asm fp for now until there is major changes in the future then only think of other solution. Or get ready now.

Hence I repeatedly said , determine the objective one wants to place in amamah saham. If it's for emergency fund, temporary parking purpose, it's still an ok instrument to use, even though alternative outside can give about 5 to 7% p.a. In the near future with quite low risk but still slightly higher risk than asm.

If one were to invest for long horizon and think that asm is still a good instrument because of laxk of time and knowledge to look for better alternative, no wrong also. But I definitely won't go for stock as I do not know bout stock, no knowledge , no experience and no time and interest to monitor. Like u mentioned, definitely not worth taking such high risk for additional one to 2% but if the person is well versed with stock then it's their call. Stock is not bout dividend only, I look at it from the potential up and down. I.e. if give 7% dividend but drop 50% in share price, what's the point right.

So asm is still good for those who doesn't want to spend time learning more bout investment, want to have peace of mind and good sleep without worrying about the market, and don't mind the hassle of catcha. It depends on how long PNB continues to play this game.

There are plenty of options with slightly higher risk than amanah saham fp but you need to do a lot of research. Hint: with asm giving around 5% p.a., and if recession comes next year, it's likely to be below 5% dividend.

Due to the nature of my profession, I get to dig a little deeper into the investment and find out better alternative than asm.

First of all, u need to know your objective of putting money into asm fp. Is it for temporary parking / emergency money or is it for long term investment. No point that I suggest an alternative to you, because the market changes over period. Who would ever thought asm can give lower than 6% based on their historical dividend payout? The market environment is different now. Even if I tell u the alternative today, it might not be the same solution / alternative next year because of the changes in market.

I m not talking bout investing into stock, but e.g. if A ask an experienced stock trader (B): which stock is good to buy? The answer given by A is Stock X. So A bought the stock and hold it, end up losing money after several years but the experienced stock trader B actually profits from it. Why? Because of the active monitoring  and management by the A, A already sold off stock X when it went up without obligation to tell the B that he had sold it off, making handsome profit while B just hold it without doing anything.

Bottom line is that if I tell u a low risk alternative now , but without follow up with you, likely that you wont be benefited at the end of day.

Just my gut feel and I could be wrong.

Look at epf. epf ceo already mentioned where epf may cease to exist one day, look at what epf has moved to - i-invest, member can invest online with epf account 1 and there are massive redemption and investment just within the first wk of its launch. The sales of unit trust funds in that one day are more than few months of unit trust sales in the market.

PNB's fund size is getting larger, every year need to get approval from Scurities Commission to increase the fund size for the dividend distribution. They also face limits to invest in Malaysia and need to go to oversea. They r also rescuing a lot of local companies by pumping in money to them. One day when the reserve cant sustain anymore, or they didn't manage the investment well / change to better strategy, they might start with dividend not being reinvested, then change to vp in the future as open market.

It might or might not happened but we need to have the forward look and understand the way business work in the past 10 years might not be applicable today with AI, technology, open market etc. 10 years ago, fintech doesn't exist.

So one can still practically rely on asm fp for now until there is major changes in the future then only think of other solution. Or get ready now.

tried at 7:02am and get nothing
need to try at 7:00am   

i ngam ngam 7 oso x dapat

me
but apa habuk pun tarak

Guess it's 1 day wonders only...
Back to spam captcha as usual...

And keep in mind today is Friday...
12.30 - 2.30 period very important 🤑
I mean spamming ya.

After ASW2 declared 5%, i can see many start looking for stock investment and other medium/high risks investment options..

Currently the highest dividend in Bursa is around 6-7%..

The main question here...do you willing to take high risk and put your capital at risk, for extra 1-2% return?

There is no right or wrong answer here.
Its all up to each individual risk appetite.

Do you use capital letters? I don't.

Hi guys/ girls,

Is ASM 3 a good investment for long term? Thanks

nope, today 7:00am gt 2 big fishes, each captured RM30K and RM 21K respectively

Hi guys/ girls,

Is ASM 3 a good investment for long term? Thanks