1m dump epf can cash out already

1m ASM 1 2 3 - good luck la

I really wonder how the T20 managed to buy 1.7m units on average. Special cable? Massive sale?

If emegency lar ..who know .. 5 years later

Hi, may I know how you all grab the units ? Using Web or app? I am using app, just started these few days, tried in different times for minimum 100 units only, but everytime pop up "Available units are insufficient"...

that's normal.

Web when I'm in front of computer, app when I'm not.

Just started 2 weeks ago. Keep on trying every 10 mins in morning between 0930 and 1230 hrs .. should be able to grab like 100 to 500 .. noon usually nothing and waste of time. Just my personal thought

Sorry if I sound a little ignorant on this. I focus mainly on the fixed price funds of ASB1 and sometimes ASB2, due to the nature of my business

Which funds are you guys generally buying? There are six (6) fixed price funds right? Which ones are opened for non-bumiputras to purchase (albeit need to queue or try your luck)?

ASB1 - 200k limit
ASB2 - 200k limit
ASB3 - 2m limit


with bumi quota (IIRC 50%?):
ASM2 - no limit

no quota aka free for all
ASM1
ASM2


for non bumi, they will usually go for ASM1 as it is the one with the highest dividend, but also the hardest to get

they will also settle for ASM2 & ASM3 whenever possible

what's the latest financing rate for ASB1 & ASB2 nowadays bro?

ASM2 bumi quota 51%

free for all is ASM3, not ASM2. typo?

Thanks! Will try my luck for today.

The lowest in the market that is available for application is 4.85% p.a. for now

But two (2) banks have stretched the financing from the normal 30 years, to 35 years or until the age of 65

One (1) bank has stretched it further last month to 40 years or until the age of 65

Even those a little older than 25 years old can benefit from it, for example, someone who is 28 and planning to refinance:

Hi anybody get ikanbilis？？

I don't know why, but I got RM1k ASM today.

you can try ikanbilis to get his attention

wow good luck ！！！
🤣🤣 idonno why
sorry for my poor Eng typing ...😅😅

I only got 100 from the same pie 😂😂

4.85% finance cost to receive around 5 to 5.5% total returns???? Am I missing something here?

Finance for ASB1 & ASB2. NOT any fp fund.

Dividend ASB1 6.50%
Dividend ASB2 6%

This is free money giving away. You are not missing anything here. Anyhow, not many bumi understand.

This post has been edited by bourse: Dec 6 2019, 11:52 AM

I see. Its for ASB. A tongkat really.

You are missing quite a lot. Try reading up on:

1. Amortization
2. Compounding interest

Thank you.

Apparently based on the above person's reply, plenty of non-bumi don't understand it either. As if they do not know that you can't simply compare annual interest rates and compounding returns; and proceed to make silly comments.

I rest my case.

Compounding at 5% is better than compounding at 1.5% p.a

So how does amortization bring a return on investment?