Your computer graphic skill is superb!

I will follow what the picture says in 1 - 5 years before closing my chapter here on this blue earth. Now is stay safe, stay healthy and stay alert on my $ returns.

I see. Mind sharing when you expect a new reserve currency to surface?

Foreseeable future = ?

How is the cold weather in Melbourne? Drinking cans of beer will keep you warm.

What I was saying is, I will withdraw from my ASMx and EPF one day when I feel it is time. By then, no more financial commitments with kids all grown up, no loans, etc. Only for wife and self to enjoy. Planning to go on a 6 months round the world ocean cruise then. Crazy plan as I threw up once on the PKlang to Phuket cruise!

Enjoy your Aust trip. Go and watch a live Aussie footy match.

Hi guy3288,

Trust that you are doing fine.

On EPF top-up, all are 100k limited or those above a certain age can top up more? I thought I read something about that before.

Cheerio.

I like to share mine.

My ASNB manager gave me some brochures to read and later I went to sign up, initially thinking it was a good deal, though with an RM10 yearly fee and an initial sign up RM100 fee.

Shocked to learn from my friend later that there is a fee for the transfer when the PA is executed. Not a small amount, a few K! I did not see that fee table. If I did, I would have dropped this like a hot brick. Now too late, already signed up. Unless I cancel it. I think there is a cancellation fee! I was told by ASNB staff no need to worry about the transfer fees. The yearly dividend is more than enough to cover. But why waste a few RM k?

Shocked and annoyed that I had to sign many pages of the contract (some 8 pages, I think) which I had not read before. Yes, I should read it before signing. But ...

I strongly feel that this PA thing is not up to standard, with customers not knowing the full package. Only showing the nice benefits.

Appreciate feedback from those who have signed up for this PA. Your views?

Thanks.

Years back I asked at the counter and I was told it could be settled within weeks with the xyz letter from the local council.

Not in a hurry to get the money as there are other funds. Just see it as a total waste of x K fee. Ya, can use the annual dividends. But why waste that dividend?

Thanks.

If I knew about the high claim fee, I would have dropped that like a hot brick.

Dont think one can have it in a will AND also PA. It is this or that, not both. I guess they will use the registration date to decide.

Good planning.

Since I realised the mistake I made, I am now reducing my ASM to other places. And transfer parts to my family members now. Intended for them, so why not transfer now.

With ASM3 dividend out in Sept, any wishful but realistic speculation?

4.8 boleh kah?

ASM3 dividend rate will be out soon. I was expecting ASM3 to be about the same as ASM2.

But with a better economy over the past 3 months, I expect and hope the number to be 5%!

Possible, probable, plausible, preferred?