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 Ultimate Discussions of ASNB Fixed Price UT, Magical UT only in Malaysia

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renodiy
post Sep 24 2023, 09:58 AM

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QUOTE(nexona88 @ Sep 24 2023, 08:44 AM)
Really mass selling by some...

Not easy to get such amount during "non offer period"....

👍
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as someone said earlier, some holders here are old timers. there will always be withdrawal from time to time. as for now, asmX for me is the lowest interest tool so i prefer to withdraw here.


for example, i am.planning to buy a car now cash, so i withdraw the amount from asmX.

top up epf also withdraw here.....when epf has reached max allowed top up, extra cash try to buy back Asmx.... the cycle continues this way.....

prior to this ( before year 2015), totally a different game... all in properties.....but those days are long gone.....
renodiy
post Sep 28 2023, 06:15 PM

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QUOTE(Lembu Goreng @ Sep 28 2023, 05:55 PM)
My tikam for ASM3 is 4.5%

Why? Because it has been consistent with ASM2 since 2017

user posted image
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4.5% really no feeling with the current inflation and dramatic increase of prices this few weeks😥
renodiy
post Sep 29 2023, 03:22 PM

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QUOTE(Wolves @ Sep 29 2023, 03:12 PM)
Chan3 and you two that i tagged.. actually i lazy to teach coz more competitor now. 😂 but since you interested i gonna say one more time.

There is two type of error you see when you buy at 2am. If it says the one mentioned above which is outside operating hour or call xxxxxx when business operating hour...then you try at 6am coz it means public holiday, weekend (saturday morning and Sunday morning) or certain issue inside so they will open only at 6am (if ever open) and if 6am still same error then don't bother. Usually i see that error i won't try.

Normally fish at Tuesday 2am to thursday 2am better chance. Friday and Monday is really luck based. If the error is no more units then you are too late so can go sleep. If the error is fpx error 100, it just means they opened and units will be released but they take longer to let fpx on. If this error 100 (fpx error), try again at 2.03am, 2.05am, 2.08am, 2.10am 2.15am 2.20am and 2.30am. That is the usual time they open that fpx if it takes longer to be ready. Usually big maintenance or interest crediting like this coming 1st oct they open slower. And if you do accidentally get no more units or fpx (error 100), you actually have another shot at 3am sharp coz there are ppl who test and no buy, system says 30 minutes released back (previously) but what i find out is no, they hold it until 3am. You got a chance. Not guranteed. I will wait next day 2am coz i sleep 1am plus everyday so not an issue for me. Ok? Understand? 😂

One more thing, do not log in before 2am and wait. For example a lot of ppl log in at 1.59am and wait 2am click. You will have all sorts of error until you log out and then log in again. To be safe, log in exactly 2am on the dot. This is for both myasnb apps and the website. Any other question?
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bingo


renodiy
post Oct 1 2023, 05:32 AM

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QUOTE(MattSally @ Oct 1 2023, 02:04 AM)
Still Funds not updated just after 2-00am. Looks like I stayed up for nothing. Never mind.
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units already updated now
renodiy
post Oct 3 2023, 09:03 PM

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QUOTE(coolguy_0925 @ Oct 3 2023, 08:32 PM)
Got my last drop of ASM3 credited before 8 today to PB

Officially says goodbye to ASM3 with balance of RM0.00
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maximum online withdrawal is how much?
renodiy
post Oct 4 2023, 08:06 PM

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so now i plan to withdraw 200-300k asm3. if i do it now or middle of the month also same right? will sacrafice one month interest right? cannot think of another way to avoid this. asmX should really implement daily interest calculation like bank loans....

will need 3 to 4 days to dump into epf- 2 accounts, top up sspn, prs and some balance to buy a car.....
renodiy
post Oct 4 2023, 08:12 PM

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QUOTE(nexona88 @ Oct 4 2023, 08:09 PM)
Yup. No matter what day... it's same...

Unless it's on 1st of the month...
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if 1st also no point as will loose the interest for epf side.....


btw if withdraw 200-300k via agent bank, no questions asked right?
renodiy
post Oct 4 2023, 08:43 PM

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QUOTE(coolguy_0925 @ Oct 4 2023, 08:19 PM)
if say I want to YOLO can? devil.gif

Ya now even internet banking wanna do DUITNOW to account never transferred before also kena WARNING did someone forced you to transfer lol
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but still can transfer?
renodiy
post Oct 7 2023, 10:23 AM

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QUOTE(guy3288 @ Oct 6 2023, 11:24 PM)
Yes same. you dont get dividend.

if me i would withdraw now,  put in money market, KDI VERsa etc earn money. dont waste.
dont deposit to EPF so early, no point, better wait till last few days.

open more accounts so that can move large sum of money in 1 day, i have done that
can move much more than 300k online in 1 nite, no wasting interest.
recently i parked few hundredsk and  pumped into ASM end of month.
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i dont always have a few hundreds to play around......

normally can maximise epf without withdrawing but this yr limit increased +40k... 2 accounts 80k....

and most cash used to buy up asm1 since it was made available. i previously had the lowest amount in asm1 as most are in asm3. now asm1 has the most unit and plan to reduce asm3 to dump into epf. this could be the last one off move.

Next yr onwards, just dump in xtra cash monthly into epf until retirement. Its now already acting like a bank account

not sure how easy to park money and take advantage in mm, kdi etc..i only have fsm account, epf n asmX.

renodiy
post Oct 7 2023, 07:48 PM

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QUOTE(guy3288 @ Oct 7 2023, 06:01 PM)
Yes, because 1 SA can max 50k duitnow transfer and max 100k FPX eg PBB

If you only have  1 KDI, still can deposit ASM 200k a nite
Eg Fri 29.9.23 10 am WD KDI RM400k to PBB SA
29 10pm Duitnow 50K to MBB
30 12.01am duitnow 50k Alliance bank
then 30.9.23 2am can deposit 200k to ASM
balance 200k can ASM on 1.10.23, 2 D kawtim.

i put money in all family members accounts
KDI, Versa, ASX , FSM, SSPN, EWs etc
so can move alot more but  risk getting call once a while.
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cimb duitnow max rm30k.... if i am not mistaken
renodiy
post Oct 13 2023, 08:45 PM

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All my asnb account is now linked with cimb and can be viewed via cimbclicks. How safe is this? Privacy is also an issue as banker can view our holdings....
renodiy
post Oct 14 2023, 09:01 PM

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QUOTE(abcn1n @ Oct 14 2023, 08:52 PM)
I withdrew after 2017. They said had to credit into bank. Had to wait a day or two before saw the money if I remember correctly
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i did once... money was instantly in the account
renodiy
post Oct 15 2023, 01:32 PM

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QUOTE(abcn1n @ Oct 14 2023, 10:55 PM)
renodiy Mine wasn't instant. Even the officer said had to wait a while.  You withdrew from  agent bank right, that's why its instant? I did it in ASNB branch.
Yes, I did it in ASNB branch
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yes at bank
renodiy
post Oct 15 2023, 01:34 PM

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QUOTE(coolguy_0925 @ Oct 15 2023, 12:09 AM)
nvm now you know can do at agent banks and it is instant.. but like many encountered some might impose a limit eg. 25kRM
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agent banks got limit? i tot no limit.....
renodiy
post Oct 15 2023, 02:05 PM

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QUOTE(coolguy_0925 @ Oct 15 2023, 01:41 PM)
there were some reported here they were only allowed up to a limit

not sure why maybe bank dont want to trigger AMLA or they dont want to release too much cash

but in general should be no limit and even if more than 25k just need to provide answer

mind that I knew someone gave answer for AMLA for house purchase the bank even asked for S&P sighting
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hmmm plan to withdraw like rm100k soon... my money.... how can they deny?
renodiy
post Oct 16 2023, 10:41 AM

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QUOTE(coyouth @ Oct 16 2023, 10:15 AM)
wow, not cheap at all(compared to EPF). i guess most people would not go this route,and there will be hurdles for the next of kin in order to get the money.  sad.gif
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only yearly rm10 charges right?
renodiy
post Oct 16 2023, 11:03 AM

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QUOTE(coolguy_0925 @ Oct 16 2023, 10:53 AM)
u can check the link nexona gave for all the related fees

there is registration fee but time to time got promo will waive or lower this

other than that, administration to claim.. in percentage to total amount of fund balance... tiered
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hmmm got tiered fees to claim
forgot this.... they should just charge. basic charge... everything also want to earn money...
worth to still keep 1m inside with this declaration already done or better diversify outside? sadly i have done this declaration few years back during a promo 😥
renodiy
post Oct 16 2023, 12:02 PM

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QUOTE(nexona88 @ Oct 16 2023, 11:19 AM)
U didn't see all the details before??

Blindly sign up after see got promo??
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sadly blindly sign up

bcse last time so hard to get the units..after getting, did nomination so units can be transferred to beneficiary....

or else cash given and beneficiaries need to know where to place the cash.
renodiy
post Oct 16 2023, 12:27 PM

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QUOTE(coolguy_0925 @ Oct 16 2023, 12:18 PM)
just curious, they did not highlight got tiered admin charge when ask you to sign?

well at least your donee can get the money faster in case need to use it.. not entirely bad
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cannot recall... was very long time ago


its not the money, its the units that will be transferred that is important as they cannot buy back with cash
renodiy
post Oct 25 2023, 08:29 PM

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QUOTE(guy3288 @ Oct 25 2023, 02:16 PM)
yeah not worth it is like RM5000 each lot
so if got 10 kena buta RM50k commission.

i just leave them all in its original state
from juvenile accounts to adult
save at least 25k next time.
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i did the calculation.. for rm 1 million units transferred to beneficiary - Rm5125

it think its reasonable for the hassle saved in getting the units

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