Very delicate la.. less than 4.5% then ppl will withdraw dump into asm1.. so it must be 4.5% and above. If 5% then everybody who buy asm1 earlier dump and buy asm2 which is plentiful coz of the extra 5 billion unit. But if less than 4.8% then US treasury 5.x% one to 6 months bond will make ppl bring money out. The safest number is 4.75 to 4.8%.. which is why i say 4.75% to 4.8%. It is not so high that ppl willing to dump asm1 to go asm2 and it is not low enough that US Treasury bond will draw ppl away. And it makes perfect way for asm1 to declare 5% to 5.2% next year which makes ppl won't jump into epf agree?

Today end liao.. 3 more days to go~~ 2 more days till announcement.. yay~~

Btw... Even if sept 1 still got unit i cannot buy as per previous ambition. Just recieve a call this morning saying my money will come in 1st sept but.... I cannot get it until next week so sad..

Eh.. sorry.. edit.. correct thread. I thought wrong thread so i gonna post my original msg...

Almost 1pm already.. 4 more hours for today... Are we there yet? Are we there yet? Any announcement yet? How much are we getting~~~~~~

This post has been edited by Wolves: Aug 29 2023, 01:00 PM

This one my friend.. not like that that that nexona keep low balling the number.. hmph~ 😂

Tomorrow ah.. should open the apps already la but if not? Plus tomorrow should be able to swap from asm2 to asm1 right? No more extension of blocking right? Now i am dilemma wanna keep buying asm bor.. seems like very low leh.. epf still better i gonna park money in other places soon too.. gonna take a bit of gamble for better yield...

I kinda suspect ppl running out of money already lo. Past two weeks can see a lot of ppl ikat perut already...

Are we there yet? Are we there yet? What about now? Are we there yet?

Economy good or bad ppl still need to eat. The question is eat what and how much.. plus payday ma. Sure splurge. You wait one week after payday and see... Ikat perut de..

I look at the cars on the road. Holiday or not ppl still need to drive and go out get stuff. When the cars are less means they cannot afford more trips or money or gas so car will be less. Only go out when necessary. But this only applies to my place or smaller city/town la... KL cannot use this method. 😂

Coz payday. Ppl just got paid salary. They gonna use 1 month money in one week.. 😂

Any news yet? Did a lot of waste time job including cleaning files and so on... So... Any news yet? Are we there yet?

This post has been edited by Wolves: Aug 30 2023, 03:02 PM

Both of you.. fired! Lol.. 4.75 to 4.8% la!

Save the wolves foundation?

4.75% la.. don't argue with me liao..

Are we there yet? After office hours already... Balik rumah already... No news?

Oh no... If below 4.5% i definitely can consider moving everything to other country already.. lol

Scare cannot beat.. lol

That one need chlorox minimum.. 😂

Totally no news yet? Jialat.. Must be super bad news that they don't even declare already..

This post has been edited by Wolves: Aug 30 2023, 06:43 PM

Then should give 31.8% for merdeka celebration... Lol.. kidding

Boss.. i know we all eager and anxious and so on.. but no reason to turn into a tiger. Ignore and join us chat and dream and so on.

4.75% to 4.8%!! Lai lai huat ah huat ah!! 😂

It's a good sign. Maybe they wanna let pmx announce tomorrow so it should be a very very very good news or else they would have announced it. Maybe got donation 1% from pmx gov leh.. think positive. If it's bad they won't let pmx announce already. 😂

*very highly disappointed"

sigh.. no hope.. so sad... Off the mark..

At the moment considering kwsp. Was thinking if i should withdraw 2k per month put into kwsp. I am also planning to move money to Singapore next week when my mutual fund back in. Small amount only. I put two years ago in medical fund. Was told how good how good. In the end one year later lost some money and the bank make it up by giving 7% pa which return it to it's original value and they will kick back to me next week. 0 gain, a few ringgit lost but 2 years lost. Last year i was already planning to put to Singapore and that happened. From a portfolio i seen, my friend already got 10% return this year so i am a bit late. But right now seems like a good time to go in as well.. so i might just throw it there.

Yes i know there are better places and those fee fee will eat up but i dunno how to do it. And i am too old to be learn and it makes 0 sense when i try to learn. So no choice put to an active manage fund in sg. Over the past 10 years sgd appreciate against myr on average 2% pa. So just exchange rate can boost earnings. And i see the growth around 5.5% so far. Esp past year. So just throw and forget it lo. Like i said.. Small amount only and plan to dump 1k sgd every 1-2 month slowly move there lo. Advantage is exchange rate (don't see how pmx can change or how malaysia economy can change to beat this..as long as they still holding on to certain politics and i kinda lost faith already looking at recent events), easily accessible and very liquid, it's a 3 monthly dividend which you have choice to reinvest without occurring any fee (one time fee when deposit but reinvest is free), better than asm dividend (asb better but i am not prince) and this money can hide from other ppl like parents/relatives/wife/gov. If something hit the fan in malaysia.. at least i still have a small pot in Singapore. That's what i thinking now and i still thinking about it but decision need to be made next week. What you ppl think?

Kwsp no brainer. Higher interest.. less liquid but hey, i haven't touch asm since i have account lo. So no difference parking asm or kwsp in this sense. Not like i need to have emergency need take money anytime soon. I just need to rebalance a bit. Still plan to move asm 2 to asm 1. Keep some amount in asm and large chunk in asm2 (reduce chunk so i get better yield). If anything goes wrong still withdraw from asm2 . And as i say.. maybe 2k withdrawal from asm2 per month put into kwsp. One year only 24k. 10 years only 240k.. slowly lo. Maybe that 2k withdraw and i top up to 1ksgd move to sg.. dunno.. still thinking and haven't really work out a plan.. but kwsp still better than asm2 la.. but it's my emergency + safe heaven.. still will keep certain amount there.. just reducing it coz low interest and right now feel kinda risky esp with certain politics here.. really feel the need to move it...

My house loan 4.2% now after last opr increase. So technically only 0.3% difference. I have a different mentality maybe coz i am old (maybe i am an idiot). I from start put into the flexi loan and consider it 4.5% risk free growth (original 4.8%, drop 4.5%, drop 4.2% , drop 3.8% increase 4% and now 4.2%). I no pay interest = earn. I put all in and i pay 0 interest (all into principle owing for monthly payment) and consider it no pay interest as earning. It has always been around 0.2 to 0.5% losses (compare to asm) but i take it coz this way no matter what happened i not worried my house is gone and my wife will have it rather than the bank. I put in and forget i even owe this loan until the tenure is done later. Even if i kick the bucket it is ok. No matter opr up down left right flip backwards or flip forward, i will know i have my house. I rather sacrifice 0.X% dividend for a secure and peaceful mind.

Another reason i thinking about moving to Singapore. Better regulation and more diversified products and more stable gov/economy. The fees are less and the "agent" cannot talk c sing song promise star promise moon write scam on paper no attach to prospectus sell you and run away after get commission. 😂

This post has been edited by Wolves: Aug 31 2023, 12:47 PM

Nuuu... I was planning to switch at 2am.. was getting ready and log in from website and make sure everything ok and familiarize with it.. sekali make a trial it says until 31st oct 2023 dammit.. plan spoilt..

Not surprising. Who so nothing better to do testing all the time until 2am and find out such details :x only an idiot will do such a thing... Oh wait.. why does that idiot sounds so familiar... Hmmm....

Actually before the 5 bil unit thingy, asm1 also can get :x

This post has been edited by Wolves: Sep 2 2023, 03:58 PM