From 4% to 4.5% last year... So logically should pit stop at 4.5% before moving higher towards 4.6 or 4.8... then another stop at 5%
ASM3 even more higher chance of maintain... Their movement even more drastically... Below 4 to 4.5
With all the "smart tactics" like reducing manager / fund fees to unbelievable level... Just To reduce overall fund expenses...
wanna ask - does the below old news contribute to better ASM dividend since ASM is also unit trust?
The Finance Minister II Datuk Seri Amir Hamzah Azizan has announced today that unit trusts will be exempted from CGT and income tax on FSI. The exemption on CGT is effective from 1 January 2024 until 31 December 2028, while the exemption from income tax on FSI takes effect from 1 January 2024 until 31 December 2026.
FSI = foreign-sourced income
This post has been edited by virtualgay: Feb 8 2024, 08:39 PM
ASNB lancar penasihat pelaburan Robo dikenali Ria Kuala Lumpur: Syarikat pengurusan unit amanah milik penuh Permodalan Nasional Berhad (PNB), Amanah Saham Nasional Berhad (ASNB) memperkenalkan Ria, satu ciri baharu dalam aplikasi myASNBnya, yang direka untuk menjadikan pelaburan mudah dan boleh diakses oleh semua rakyat Malaysia.
Ria, atau Penasihat Pelaburan Robo (Robo Investment Advisor), dilancarkan bertujuan menangani cabaran umum apabila membuat keputusan pelaburan selain memperkasakan individu daripada semua lapisan masyarakat untuk mengawal dan bertanggungjawab terhadap masa depan kewangan mereka dengan pengalaman pelaburan yang mesra pengguna dan diperibadikan.
Ketua Pegawai Eksekutif dan Pengarah Eksekutif ASNB, Muzzaffar Othman berkata, dengan pengenalan Ria, pelaburan adalah semudah satu sentuhan, memberikan kuasa di tangan pemegang unit kami untuk mengemudi masa depan kewangan mereka.
"Di ASNB, pelanggan sentiasa di hati kami dan kami berusaha untuk terus menambah baik penawaran produk dan perkhidmatan kami.
"Dengan Ria, ASNB menyasarkan untuk memudahkan pelaburan dengan menawarkan portfolio yang diperibadikan dan mengautomasikan transaksi utama seperti deposit berulang melalui ciri auto laburnya.
"Ria juga menangani isu penting seperti literasi kewangan, pelaburan minimum yang tinggi dan akses kepada nasihat profesional," katanya dalam kenyataan hari ini.
Menurutnya, bermula dengan deposit minimum sebanyak RM100, Ria bukan sahaja memenuhi keperluan pemegang unit ASNB sedia ada tetapi juga mengalukan pelabur kali pertama dengan bajet lebih kecil, menawarkan yuran yang telus dan proses pelaburan mudah.
Dikuasakan oleh algoritma lanjutan, Ria membina portfolio tersuai berdasarkan toleransi risiko dan matlamat kewangan individu, memastikan portfolio kekal sejajar dengan objektif pelabur melalui pengimbangan semula automatik dan pelaburan semula dividen.
Disesuaikan dengan pelabur Malaysia, Ria menyokong kaedah pembayaran tempatan yang popular dan tersedia dalam Bahasa Malaysia dan Bahasa Inggeris untuk kemudahan penggunaan.
Selain itu, pelabur yang membuka portfolio Ria melalui aplikasi myASNB akan menikmati pengecualian yuran pengurusan Ria (yuran wrap) sebanyak 0.30 peratus setahun sehingga 31 Disember 2024.
Dilesenkan oleh Suruhanjaya Sekuriti Malaysia sebagai Pengurus Pelaburan Digital, ASNB berhasrat untuk mentakrifkan semula nasihat pelaburan dengan Ria, menyediakan penyelesaian yang mudah dan inovatif untuk pelabur Malaysia.
Pelancaran Ria sebagai ciri baharu dalam aplikasi myASNB akan dilaksanakan secara berperingkat dalam beberapa minggu akan datang.
Untuk mula melabur dengan Ria, muat turun aplikasi myASNB daripada Apple App Store, Google Play Store atau Huawei AppGallery, daftar akaun myASNB dan pilih Ria.
Pengguna myASNB sedia ada boleh mengakses Ria terus daripada aplikasi untuk memulakan perjalanan pelaburan baru.
Counting down to ASM 4.68% hahaha 2 more weeks... Let us see will it pay that much or not I have a feeling it might even lower than 4.5% because of gov increase the unit that causes influx of fund and they don't have enough time to invest
some people say not pyramid scheme coz it's audited. besides, they do allow so many people to cash out money. if it's pyramid scheme, it would have collapsed a long time ago.
ponzi ? hahaha anyway i am just joking - confirm it is not pyramid it is Unit Trust
nisbah perbelanjaan pengurusan = management expense ratio
For this, of course the lower the better, ASMx funds have been well-known for their unusually low expense ratio compared to private sector funds which usually charge around 1-2%.
nisbah pusing ganti portfolio = portfolio turnover ratio
As for this one, there is no right or wrong level. A high value implies the manager churned the portfolio quite often, i.e., buy/sell quite often whereas a low value means the manager was adopting a "buy-and-hold" strategy. High turnover surely means lost of fees to brokers due to frequent trading, but if the assets are sold/purchase at the right price and the market timing's good then it's probably fine. On the other hand, buy-and-hold is a passive strategy which saves commissions/fees but the manager may become too passive (in which case his fund's performance may lag behind a comparative index).
Thank you for the explanation Really appreciate it Waiting for ASM1 dividend announcement Crossing my fingers for good news of 4.5% Not asking for higher as we all know chances of it goes below 4.5% is even higher
Correct - if you haven’t repaid any of the capital.
And the compounding effects of that interest rate don’t bear thinking about!
I don't understand how can a country survive with such OPR? For example now my housing loan I am paying around 4.3% also killing me... They pay 50% interest then why still want to loan, just sell the house or the car and become debt free better
rich people problems already max up 100k for EPF No choice. that's the yearly limit. cannot do much about it now...
both ASM & FD same rates. needed to see how much I deposit first. ASM needed to see units. FD until 1mil I think (see the promo T&C). Most likely I would go for FD hassle free.
2023 ASM 4.75% 2024 maybe would be lesser but FD is fixed 4.75% for sure i go 4.75% if 2024 ASM turns up to be 5.5% nasib la...
Want talk EPF better go talk at EPF thread later kena lagi
I wanna ask about ASM 1 2 and 3 Since ASM 1 now declare dividend then on 1st April I move to ASM 2 since by Aug ASM 2 declare Got ppl do that? I am saja asking the possibility as by 1st April u fo back ask them switch fund for u Again provided units available la
Convert @ switch between funds (own account) can be done via MyASNB....
i never try before again if we switch on 1st April, will we get dividend for the month of April or whole month of april is gone? this is what i scare most
thanks for the info again i am more into ASM1 vs AMS2 and ASM3 all my investment is in ASM1 ASM 2 and ASM 3 is like maybe 5% of my overall investment with ASNB
Feb 8 2024, 08:38 PM
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already max up 100k for EPF
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