Comparing to ASMx, epf has been paying better dividend since 2017, in fact for the the last 10 years, 6x epf better than ASMx & 1x same dividend.

Incoming...
Some people says ASM vs EPF is not apple to apple comparison 😋

Different investment strategies & geographic exposure 🧐

Not forgetting fund size too...

This post has been edited by nexona88: Mar 3 2022, 10:37 AM

Thanks for the informative input... What about the other ASNB fixed price fund that are opened to non bumi also?

All ASMx giving about the same, may be +-0.25%

👍👌
So in conclusion, epf better than ASNB fp funds in terms of chances of higher annual ROI...
But the drawback is long locking period for those not near retirement age or hv < 1mil inside.

I think epf doing better than ASMx now due to epf's foreign investment n rm weakening.

ASMx vs ASB portfolio variant alot?

For I read,...
Epf dividend exceed Permodalan Nasional Bhd’s (PNB) 4.25% dividend for 2020, making it the first time the retirement fund has outperformed PNB’s benchmark Amanah Saham Bumiputera (ASB).

That means ASB all the while better than epf...

https://themalaysianreserve.com/2021/01/27/...etter-than-asb/

So there's possiblity of ASB dividend higher or on par with EPF (probably matching Shariah version) this year???

Since ASB also have quite good foreign exposure? 🧐🤔

+ election year or nearing election year

EPF major drawback is its illiquidity.

Yes.
But nowadays..
Got withdrawal.... Especially the 10k one.. which might be given again, since many pressure it now...

Better than previously 👍

Oil and Gold are the places to be at the moment but I still think ASB2 dividend (due end of March) will total around 5% inclusive of bonus.

Fingers crossed.

For gold, how to invest? Which is the safest platform with smallest spread? Thru banks ok?

Just set yourself up with a reputable broker and start a trading account. We have an offshore trading account from when we lived overseas but I would imagine the process is similar for onshore investing. Your bank relationship manager may well be a good place to start but do your homework. Most brokers prefer to invest other people's money rather than their own for a reason.

This post has been edited by MattSally: Mar 6 2022, 02:57 AM

Just got my asb loan approved last month.
What is this unearned income?

My monthly installment is 863 for 32 years.

Online withdrawal 2K now, it is applicable to account remaja?

672k is the total loan amount?

Shouldn't be 331,392?
863x12x32?

can you give a bit more detail like how much you loan? From the picture, i can only assume you loan 3 cert of 200k + 1 cert of 60k + insurans.

Hi all, I have ASM1,2,3.

I will be selling off a big chunk of them to fund something. I'm confused as to which fund to sell more, or sell them "equally". The dividend payouts are in April, Sept, Oct iirc.

Q1. The one with April dividend - should I sell more or sell the least? In what way will selling in March affect the dividend amount?

Q2. If I manage to hold till nx month baru sell, should I sell more or less if the fund in Q1?

Q3. If I expect dividend to go up, does it mean I should hold more of the funds with Sep/Oct dividend?

Any thoughts will be appreciated.