Hope 4% or higher? Normally when announced.... Last week of month?

I do admire all the optimism and hope that we are all correct with our hopes.

We are now retired and have to live off the returns from ASB and ASM and anything less than 4% makes that challenging. And that is with no hedge against inflation factored in.

What is the feeling about returns recovering all the way to around 6% in the next 2-3 years? Realistic?

it has something to do with liquidity i guess

u cant just expect to walk into any KWSP office and withdraw any amount u want

there's a process and it takes several working days at least

How i wish i have 7 figures in my account.

It's so hard to buy FP ASMx nowadays. Tried a few weeks dy but got telur. Why can't pnb increase more units? Sad day

It’s hard on this week Monday & Tuesday .... other weeks n days r ok ....

How to withdraw Amanah Saham units? I don’t have online account, got a passbook.

Is it a quick process?

How about online...can I register myself or must go their office first?

Even though ASB ASM returns are down, it is still difficult to find a low risk investment that offers a consistently better return imho. The smart move might be to hold our nerve and remain invested in ASB ASM.

Thoughts?

Okay.
Was expecting below 4%
So next financial year then....
Because how long can they sustain the rate by digging into the reserved $$$ accumulated over the years 🎯🤔

Did u see the backlash in ASNB socmed page...
Oh.. many angry people around...
All asking if this round.. ASB 2 trying to "cover" for the previous ASB1 rate? Giving "sweets" for support? 🤑💰🎯😁

Many don't know...

Only know ASB..
Thanks to years of tongkat brain washing 😅🤣😁

The fund is like bank account..
Anytime deposit or withdraw...

When ur a B and been enjoying 5 star privileges and suddenly drop abit to 4.9 stars u will be furious too..... lol As for the rest of us (normal ppl) we started with 1 star.... so anything more than 1 star..... we syuuukur......

ASM 4% not good? So move money to sspn? How to ensure next year and in the future sspn > ASM? At that time can move from sspn back to ASM or not?
Or move to epf? It is one way no return till 55

At 4% we stay with ASM, ASM2 & ASM3 (just) but as soon as the first figure is 3 then we will diversify away from PNB products.

when asm1 credit to account?

I wouldn't say I was happy but I am hopeful that the decline in PNB interest rates is now showing some evidence of having bottomed out. In 2019/20 the difference between ASB 1 & ASB 2 dividends was significant. This year (2020/21) they are the same. I think next year (Dec 2021) ASB 1 dividend will be higher than ASB 2 (Apr 2022) again and probably between 5% & 6% so worth sticking with. July 2021 (ASB 3) Sep (ASM 2) Oct (ASM 3) dividends will help to paint a fuller picture. What I don't want to do is sell PNB and then not be able to get back in if rates bounce back.

I really need >5% to be happy but we can pay the bills with 4% (no hedge against inflation though) and we have some savings on deposit to fall back on if necessary so we will await the recovery while completing our contingency plan.

ASM1 total units updated. Time to fish to round up to nice amount tomorrow onwards

looks like would be same...

ASM 3 also....

if there's any good news..

only 2022 March

Historically ASM1 always higher abit compred ASM2/3. But thats cause there is a 6 months gap in between, so some say might be due to KLCI as one of the factor. Real reason, i dont know, but i have all my eggs in ASM, and very minor portion in ASM2 since years back

Past performance is not indicative of future results