By immediate reaction..yes people will feel want to sell and put somewhere else...

But after thinking thinking..its not easy to get almost risk-free investment @ 5-6% return...

Then will cancel withdrawal idea..ha ha

I smell a Merdeka sale coming.
0.1% indirectly contributed by people who sold/bought middle of the month aka other than 1st day of the month who are not entitled for dividend for that month.

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.

I m not an agent. U r not in this industry, u won't understand the consequences of just sharing the alternative without update.

I have seen many cases and many ppl who made so much financial mistakes that made me able to state this statement.

My intention is to educate people and let people know that there r alternative and if one wants to know, need to do due diligence and need to find the right way to do it. Teaching one to fish is better than giving one the fish itself, if u understand.

If u r thinking pnb can still work the same way as before, good luck.

I follow up with my clients, hence they get updated. For public I don't, so it's irresponsible to simply give solution and ciao.

I have posted my analysis on which cc to use for insurance in cc thread before and stated clearly that was the best option as at that date. Few years later, got pm on whether the cc can still be used that way to pay insurance, I told the person of coz not, things have evolved so much, benefits have been revised, some cards I already terminated but those that were being recommend to use the card still hold it without knowing the benefits have changed so much.

The only constant thing in life is changes. And finance is something that can affect people's life, so gotta be careful with the advice / reply.