Understodd, will look into this.

Did you speak with the banker directly or was it through the sales agent? Do you mind sharing the contact of the banker? I may need a HP next year before Raya Showing my ASNB balances would be the easiest I think

Btw, for ASBF (which is my forte), it is possible to show RM20k worth of cash and you can get RM200k ASBF for ASB1 and ASB2. The banks consider the cash-in-hand sufficient AUM to roll for the next 12-months repayment, following which you can use the distribution to continue rolling. Not the best investment idea, just sharing that this can be done for ASBF.

The same logic really shouldn't apply to a HP though.

Only yesterday. Usually not this lucky.
ASM1: 2500
ASM2: 3000
ASM3: 1000

wahhh look at the amount of ASM1

I try throughout the day when I am free. There is no fixed time.

was surprised too!! haha

Alright thanks

I dealt with the banker directly. Where are you from bro? The banker is from Taman Midah, Cheras HLBB branch.. you can PM me for the contact

Can anyone tell me how to calculate the return?

add up the (lowest balance each month) x (declared dividend / 12)

Hi guys 2 questions
1. Has asb already closed all accounts for their year end calculation?
2. Anyone have any idea how much interest we will get in January?

1. ASB closing on the 18th this month

2. I havent heard anything

Thanks bro, also do you recommend to pay the rm200++ for the asb will thing, if anything were to happen to you asb will distribute your money or save the rm200++?

Sure why not. But most of the time people would already have wills here and there. When you sign up for some things, you may not realize, that they force-cross-sell you wills.

There can only be one will in effect, the latest one will superseed the older one.

So how if my father have this asb will and also another written one, will there be problem later on??

Wait there are different implications based on your father's religion. Is he a Muslim or not a Muslim? And I must say ahead of time that I was trained to look into Muslim cases, which involves faraid under the Syariah law.

Also, I am not a lawyer, nothing that I said here should be used as a reference for financial planning. For assistance in financial planning, including but not limited to debt management, risk management, insurance planning, investment planning, education planning, tax planning, retirement planning, and estate planning, consult a qualified and licensed financial planner.

bro & sis

newbie question here..

whats the difference between buying the units using agent's online portal (Maybank2u, RHB Online Banking, etc) compare with ASNB own website/app?

is it not 'live' or 'real-time' enough if through agent?

It is free when bought through ASNB right? If you buy from agents like M2U they charge you RM1 if I am not mistaken.

MyASNB portal is also quite "live", they even have a timer counter for you to complete the transaction I do not see any reason why you should buy it anywhere but at their own portal

thank u for the prompt reply

exactly that it should be transacted at its own portal

He is a non Muslim?

Faraid laws do not apply to the non-Muslims. As far as I understand, whatever nominations made to and any instructions made in the will made can be as is - although it can be challenged by any aggrieved party in the court (doesn't mean they can win)

Best that you speak to an estate lawyer I don't dare share my opinions