I do hope that your RM is correct about the dividend going back to over 5% next year.  Do you think it will be reflected in this year's ASB or maybe next year's ASM1 dividend?

Hi MGM, I am not a finance expert. That's why I am invested in this . I can only wish that the dividend goes up.

I remember during the 97 crisis, stock market was hammered and interest rates were through the roof also.

why not just put all money inside Banks to get FD 4% return?

anyone here knows if it is possible to transfer the account to someone else? like if i want to close and sell, instead of sell back to open market, if my family member wants to take over, i can just sell to my family member...is this possible?

Already move out 40%. Remaining 60% wait till ASM dividend in April before decide what to do next.

Moving my fund to Sg gov bonds

how about those asb loan?
still not clear how its work... lower interest to borrow fund to buy asb unit?

why want lost 1 month interest .. why now withdraw on 29 and put ept 29th?

withdraw on 29 also lose 1 month interest. should withdraw on 1 i think.

Plenty of asm3. Can try if you want.

Wau, how you manage to get 700k of ASM3 last time, even at this current "sales:, I think it quite hard

Dividend only once 1 year right, so if you withdraw before ex date then we loose dividend right?

ASM1 should be over 100% but thanks to lower rate past few years... It's becomes 90%++
lower 100% 😁

EPF is kinda little consistent.... So not really surprised it's over little 100%

Anyhow
Good information 👍

Why not count average from the years ago 4 product exist? That's what i do. Coz if you coz from inception it's going to be biased coz economy then different from now. Count average from when all 4 product exist and see the average.

Asm1 from 2010 to 2022 (13 years) average : 5.78%
Asm2 from 2010 to 2022 (13 years) average : 5.71%
Asm3 from 2010 to 2022 (13 years) average : 5.69%

Kwsp from 2012 to 2021 (10 years average : 6.115% (cannot find 2010 2011 2022 data)

Just for comparison. Of coz pay few years kwsp is doing better so that's why i say it's my second option coz of liquidity issue

Between ASM 1 2 3, which one is the best to keep among those three? I know their returns are more or less the same, but is there like maybe one is better than the other?

Imho, Unker like ASM due to the allocation on Bursa stocks. Unker live Tiger Bank. But now dunno if allocation split....ASM Unker 57% split.

ASM, is the middle dividend.

I see. So do you recommend to subscribe to this service?