they have exemption from SC not to disclose their balance sheet. to cut the explanation really short, if ASNB wasn't backed by the government, extremely risky to put money in.

that's the problem when you have too many products
kalau dulu cuma ada asb sj kan tinggi dpt. skrg ada didik la asm la wawasan la, tambah pekerja lagi, byk untung pun ini semua mau cover ini semua mcmana

Does the govt guarantees for KWAP & TH? When in trouble, the govt still comes in to rescue tehm. Hopefully ASx get the same treatment when the need arise.

Dulu ekoonmi pesat kembang. FD pun 7%. Sekarang dah stagnant. Tak banyak company kat new Malaysia yang dia orang boleh labur. That's why they start investing overseas.

Kat US, IPO easily x billion USD. New Malaysia mana ada lagi company camtu.

you don't want god to bless you no more?

if you're worried about the country, your option is dump your 1money overseas or buy gold/bitcoin. as long as you hold new MYR, you're at risk

ASM123 look the best after promo FD. Difficult 1 time vs transfer fund to qualify as fresh fund each year. If emergency need money, can redeem without a loss due to comission.

this is the side effect of stealing money borrowed from somewhere with high interest paid. Many don't understand. Our country is a failure country because mostly waiting windfall from government. they forgotten we need to work hard to get what we wanted. Where are all these asXX monies from? Public listed company dividend and company/business growth so that stock prices moving up. From toll collection, petronas, natural resources and taxes. FDI setup international firms in malaysia so that we have some good work for locals with good pay so that they can spend and spruce the economy. Some even lamented why FD rate so low. The higher it goes, the worsened inflation it will be. Why ringgit dropped so badly? To support all these. Ringgit drop export increase (gloves, oil palm, crude oil) then company have more profit. Simple math. if the company make 1USD profit means converted to ringgit it will be more because the currency devalued. Then, the profit goes back to asxx because asxx is the shareholder. In the coming years, you will continue to see the our money continue to drop. If you ask what should we do? Diversify the portfolio to invest in foreign stock/investment. Currency goes strong with productivity. Look at Thailand, VN, TW, their manufacturing/tourism/agro spruce, so you see their economy getting better especially TW, VN, Cambodia in the area of high tech manufacturing due to china tradewar. We can benefit from China tradewar but unfortunately we don't have skill workers. Where are those skill workers? Is our children studying IT/Engineering/Finance?

When PNB has a bad year, does it affect its employees?

what's their bonus? Do they get a pay cut?

Ahhhh I never know the bonus came from PNB. I thought retained undistributed profits from previous years.

what's the bonus 0.5% dividend calculation again?

will they increase the limit to 300k instead of the 200k limit now?

eh, so no difference? just times 5.5% only??

I thought last time they said, it includes past years' balances? Have they changed the calculation?

huh?? why they changed in 2017!!!!!!! 

I did my calculation in an excel.... now need to change again.

Sitting in PNB there.
A chinese lady walk past and decided wanna sell rm 2800 something.

I asked the officer can they directly sell to me , they replied with no.

Ended up i need to snatched the unit via online. Managed to get 2k ASM.

Why the SOP so difficult zzz...

And i wonder now, can they directly transfer to me then i pay them in cash (of course i pay the rm 15 transaction fee)

should state how many units available lah. if few thousand, can hunt sdn bhd. if few hundred thousand, worth considering

actually, i don't know how the transaction is done remotely, and curious to know. For me, prefer to meet at the bank. But I'm not paying 2% since I will cash out in case of unforeseen expenses. I never bought unit trusts due to the advanced commission + variable price.

yours is small amount, but the raptor eric was big. Does buyer ask for your name/IC/phone? how does the buyer protect him/herself ?

Buy online has a storefront or intermediary like shoppee and lazada. They also involve payment gateways, so it's easier to dispute.

ASN direct deal is direct bank in money to seller, as though buyer is giving money to seller.

yeah. for 25 grands, i'll probably buy offline. i remember someone in the credit card section reported some problem. Initially, smaller deals were smooth. When the deal became bigger, seller say didn't receive money or something like that.

Because it involved money mule. Victim doesn't transfer money to scammer directly.

Edit: And for ASNB units case, things get complicated if buyer is using huge amount of illegal money to buy seller's units (for whatever reason, procedure of money laundering etc). Authority got the absolute power to do whatever thing to one's bank account, including freeze or even confiscated.

Hi sifus. Apologize if this question has been asked before.

Assuming an ASB account has been maxed out @ 200k with 20k dividend (Total 220k in account), if I withdraw 20k, am I able to top-up back 20k in the future?

no you can't. your best bet is other ASB, followed by ASM2 (and maybe ASM3).