Can wet next year after get juicy dividend. Short pain for longer wet.

"Lower interest" is something already lo. It is not about PNB fall or bank run but not "worth" parking money there coz low interest. That is what nexona preach ah.. not me.. i still wake up 2am to buy every now and then 😂

Good. So they just holding the unsuccessful units for a few hours and maybe panel bank busy until vomit error.. aka.. do at 2am better.. 😂

It should be out tomorrow 1pm.. they too busy handling this asm 5bil unit la.. 😂 and technically should still have. Even first day all high tech ppl only get 1 bil. Today bank ppl base on what i hear here.. 2bil max lo.. human clicking limit.. lol.. so technically still have. But after tomorrow i don't dare say liao la.. remember.. you need 50k ppl buying 100k to finish.. most ppl here less than 10k only.. only a few 100k.. so technically still ada..

On a second note i think they do realize that a lot of ppl trying to switch by force so they might be slowly giving back for this reason. Delay you a day or two just speculation..

This post has been edited by Wolves: May 2 2023, 06:47 PM

Wah.. you so rajin here. 😂 I come in look look look and leave them missing for the day, you still around 24/7. 😂

Asm is like etf of Malaysia top 100 company 😂

I wanna apply too... Where to apply and what is the pay and benefits? 😂

I withdraw from kdi save even before the 5b. If i cannot buy before i would have done the same and withdraw 99%. 😂 A lot safer since kdi and stashaway no pidm cover and they are investment company, not gov backed funds.

Did you test units and then no pay? Coz those units are considered locked up and part of the 100k. If you do then wait a few hours until they release those units back into system then buy.

That's my one year expenses already :x

Coz i stingy fella. House portion did some magic. Still got loan 15 years at 0% interest and self deduct from another place that i no longer need to bother so consider 0. Plus i don't have much expenses anyway. Car 2nd hand paid cash. No other loan.. house bills around 200 max per month. I only eat two meals a day. Petrol 120 a month.. That's it.. the rest is like house cukai pintu, fire insurance and car maintenance. So i spend like 1.2k? 1.5k? A month only. No kids, no pets, wife self sufficient (already told her she needs to take care of her own retirement and finances.. i do mine she do hers). I can actually retire right this moment i think.. but to make sure i got enough i hang on as long as possible and let asm compound a bit more.. September will be a good time

It is calculated base on lowest monthly value and you will only know the dividend at the end. For asm 1 it will be on March end. Asm 2 will be August end and asm 3 will be September end. When the numbers out, you divide by 12 and calculate "monthly dividend" base on lowest monthly value. The dividend you will only get when they announce and not monthly. One shot give you.

Quite easy if you know the timing. 2am on tuesday to friday exclude public holiday.

I eat two times a day for health reasons. 😂

Now confirmed asm 2 and 3 is 4.5% or more already. Yay~ totally good news. This is why i plan some magic with my house loan. Don't care opr 100% or 0% i still paying 0% interest. 😂

You cannot switch from other asm to asm 1 until this 5 bil is over. After that switching depends on availability of asm units you wish to switch to. If no stock you still cannot switch.

And you don't want free money and free stuff? It is not about asking free or wanting free stuff.. everybody want free stuff including me. The question is how feasible and how much sacrifice needed and most importantly how much it will impact me (or you in your case).

I never blame bank. I always said this. Bank is a business entity, not charity. Thier job is to leech and take as much money from ppl and put into thier pocket while providing banking/finance services with a smile. They have always been, still is and will forever be. The question then comes to "how do you best game thier game?". I very very very very happy and thinks opr should go up even more. The more the better coz then my money will grow more and those idiots who dunno they can afford something or not will now know if they can afford to buy what they bought. If we can reduce 50% car on the road then even better. Too much cars already. Time to repo them

They don't and so they deserve what is coming to them. If the gov help then good, i might get something too. If the gov doesnt help, i am ok also. That is why financial planning is important.

With this opr increase and still have 3 months until august and with previous opr increases, asm 2 should give min 4.25%. Plus the sale on asm1 to july 31st and pmx needing funds, they need to make sure asm2 is equal or higher by 0.1% so ppl who bought asm 1 will not run away. So with this announcement i can safely say 4.5% for asm2 and asm3 is pretty much in the bag just wait announcement. 😂 This is the best news so far. Can or cannot also must make it happen as the consequence of not happening is a lot more grave. Sustainable or not leh... That's a future qs. At least this year and next year confirm can. 😂 So i am hitting it while the iron is still hot and stay put.

This post has been edited by Wolves: May 3 2023, 05:11 PM

Hoping for 4.6% coz they got more time with higher opr rate (most ah pek aunty measure with this). But anything with 4.25% to 4.5% not bad already. Then again, asm 1 forecast asm 2 interest and asm 2 forecast asm3 interest and asm 3 forecast asm 1 result. Historically they are same or +/- 0.1% of each other. Historically la. They cannot have too wide gap or ppl will run here run there and then pek chek run somewhere else. Pmx and asnb will not want that to happen. So technically la... 4.4 to 4.6% can be expected.

It's like chicken and egg issue (pun intended).

Chicken price float only affect certain good category so it should be able to be contained. It's like what the chicken protester said.. "more more beef". Sugar price up.. hmmm... Still can be contained... But petrol subsidy... Now that's a big killer. Does asm invest in petrol company? 😂

Bo lui la.. i haven't bought anything since may 1st

Not believe or don't believe. No money la. Bo lui already...

Cannot share. Last time share share they change clause now. 😂 Lucky i signed 20 years loan so cannot force me to go new clause. Plus now cannot be done already. So no point poking a dead horse. Just say i saw a good clause and i use it. 😂

Technically correct but you need to check the clause in the agreement. Recently they put 75% max to be countered off. Meaning if you have 500k loan.. max is 375k can be paying 0% and die die must pay 125k worth of interest. In this case it's only beneficial to put 375k there and extra 1k for other charges and the rest of it into asm1. Remember asm1 2023 is 4.5% and past performance doesn't indicate future performance. Right now house loan should be around 4%. With opr increase it should be around 4.25%. Almost equal. So if you are tight on money to spread like that then it is better if you don't do it. 😂

Okla okla. Reveal a bit. Use money you cannot tied up to do it. Emergency money (if house loan 4% technically it means you earn 4% on that money but you don't see money increase.. you only see money saved), business money (most business esp sole prop like me needs some amount cannot touch coz sometimes you need to pay stuff and as long as you can put it back before certain date, it counted towards that amount to counter balance) and some money you need to use in future but not now. Like i say, they count monthly but at a specific date. As long as money in before that date it counted towards next month interest deduction. So play around with that date. After the date plus a few days if you wanna be safe, you can then withdraw it to pay off other stuff. Look at your contracts. If you have higher loan interests like 5% then of coz put it there. If you have lower like 3% of coz put into asm. Other than that you can play with money you cannot touch. I have certain amount cannot touch i park there lo. My flexi loan comes with cheque facility so if need large amount i can use cheque from there go out then when i get it before the date i quickly put in. So i do not have to worry much about it. Check if you can counter 100% and when they calculate the interest for next month. Play with it. Unfortunately cannot play with asm coz asm count "monthly lowest value" or else i will have money bouncing around on different date of the month

This post has been edited by Wolves: May 5 2023, 04:22 PM

If you trust them to give you back and they willing to go asnb transfer to you plus rm15 fee...then Sure.. ... For me i prefer wake up 2am and do slowly.. in Chinese "ma yi bang wo".. ant slowly move nest... Aka slowly buy and accumulate. Won't trigger anything from bank negara or lhdn.. no issue here and there. No big movement to be detected. Slow and steady with not much legal issues later. 😂 I just don't trust ppl and gov. Not even own family..

2k is plentiful for a monthly usage. If you need more, walk in branch or bank. Safety feature plus it's meant for retirement thingy and not for big withdrawal actually. It is for low risk ppl who don't want money bound or tied up. So 2k plentiful la. Bo hiam (no complaint) already. 😂 Plus it is backed by gov.

Nexona.. FD only insured up to 250k right? So if bank fails you have risk also. Tiny risk. But if PNB and gov failed, your money put anywhere in Malaysia also no use (old ppl thinking and me also think like that). Only arguement is RM jatuh value. But ah.. if you live in Malaysia eat Malaysia sleep Malaysia... Ok la.. as long as gov no fail still ok la....

If less than 250k then put where also not much difference. Say 250k la.. difference of 1% per year only 2.5k a year. Ppl do these so they can set good habit of regular contributions and grow thier money more constantly. In this case asm better liao can coz can monthly contribute 1k or 2k and roll with interest. FD cannot do that. So i believes he have more than 250k. 😂 Maybe he have a few smaller FD la which matures different time so hunting everytime one matures. I know a lot of aunty do that. By all means. If you like the hassle. Asm is a simpler and more flexible option. Kwsp also one but cannot withdraw. So.... *Shrugs*

Asm by PNB. PNB do what? 😂 Indirectly la .. if totally no link pmx also won't go announcing the 5B units la...

If memory serves me right... Boost cannot use after 4pm...

Not protected but linked to the gov. So the gov need to make sure it doesn't fall...

So you know who steal all the units lo.. 😂

Mbb can fpx until 100k. Why can't you buy again? Mbb can buy at 2am.