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Ultimate Discussions of ASNB Fixed Price UT, Magical UT only in Malaysia
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wild_card_my
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 Jan 21 2020, 07:56 PM
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QUOTE(kaacip @ Jan 21 2020, 07:53 PM) I saw some earlier ASNB posts whereby it says that if you topup on 1st of every month the account is entitled for dividend of that month. Eg. if top up on 1st Feb, the account is entitled for month of Feb dividend. Now working the other way round if I maintain 10000 until 1 Feb and withdraw only on 2 Feb, shouldn't that mean i also entitled for month of Feb dividend? No!  The distribution is calculated based on the average monthly-minimum-balance of each month If you withdraw on the 2nd Feb, the minimum balance for February would be 0 |
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wild_card_my
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Jan 21 2020, 10:04 PM
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QUOTE(ch_leong @ Jan 21 2020, 09:59 PM) Of course not. U think ASNB finance/actuarial staff sleeping meh. U entitle jan, he/she feb. Mother ducker man that guy trying to game the system they have been at this for decades! |
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wild_card_my
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Jan 23 2020, 10:59 AM
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QUOTE(Chounz @ Jan 23 2020, 09:57 AM) And for bumi ASB loan can be used to purchase ASM? No. Only for ASB1 and ASB2. Right now no quota for ASB2 |
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wild_card_my
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Jan 26 2020, 09:46 PM
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QUOTE(feeho @ Jan 26 2020, 05:07 PM) buy hundred hundred waste my time, 30k tak kena tak apa. Agreed, I would have had the same thought. |
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wild_card_my
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Feb 5 2020, 10:00 AM
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QUOTE(lucifah @ Feb 5 2020, 08:12 AM) unfortunately, yes, you will lose out the dividend on the rm10k for that month unless you did it on the 1st of the month, which is usually the only day that they give leeway I have never been able to confirm this... where in the prospectus or fund details that talk about this 1st day of the month "transition" period that still gives distributions for that month? |
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wild_card_my
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Feb 5 2020, 12:50 PM
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QUOTE(lucifah @ Feb 5 2020, 12:47 PM) it is an unspoken rule, i was informed by the bank manager about this loophole and you can also confirm it easily by topping up on the 1st of the month and calculate the dividend the following year. it will be almost exactly the same (maybe a few sen off due to rounding) i wouldnt mind treating you to a KFC, i myself would also like to be proven wrong. learning something new about ASNB is worth the RM19 for a 3 piece dinner set. i would like to join in. if someone can prove that (the balance of the day vs POS) as well as the 1st of the month buffer |
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wild_card_my
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Feb 5 2020, 12:54 PM
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QUOTE(beLIEve @ Feb 5 2020, 12:52 PM) 1st day of the month is well known and confirmed. it isn't a loophole Got it. i just couldn't find any literature on this when people come asking |
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wild_card_my
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Feb 5 2020, 01:26 PM
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QUOTE(cofin @ Feb 5 2020, 01:23 PM) that day CIMB keep hard sell me the loan for ASNB ....4.75% damn high weiii ..... best rate is 4.4% for refinancing, 4.5% for new application 4.65% for 40-year tenure if you are younger than 30 and want to extend the tenure CIMB never has the best rates, but their approvals are easy. I would know |
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wild_card_my
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Feb 6 2020, 01:27 PM
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QUOTE(Dd2318 @ Feb 6 2020, 12:34 PM) All these are Likely part of Gomen's unfunded liabilities. Rob from future generations, to feed current generation of voters contented n asleep. Debbie Downers My principal is to be mindful of the future, but plan based on the present. I will take what I can get from the situation that I am going through today while being mindful of what may come next |
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wild_card_my
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Feb 6 2020, 11:50 PM
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QUOTE(Dd2318 @ Feb 6 2020, 05:24 PM) Haha Bro, You BMW, while, I B40.... Surely, feelings tak sama. Expect more envy n frustration. I was a B40 not 10 years ago. I was earning peanuts living alone in the city. I got kicked out, in a way. My wife uplifted me though, I am grateful In life sometimes all you need is good support, without which you would not have realized your full potential |
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wild_card_my
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Feb 7 2020, 02:14 AM
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QUOTE(MGM @ Feb 7 2020, 02:07 AM) I tot u r from a T20 family. more like M40 family; but it was for naught as I was left to fend for myself soon after my SPM. Took me a while to stand on my own two feet, the wife helped a lot and now I am doing OK now. |
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wild_card_my
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Feb 11 2020, 09:01 PM
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QUOTE(!@#$%^ @ Feb 11 2020, 09:00 PM) haha definitely automated as in scripted? People in ASNB will be interested to know about these things |
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wild_card_my
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Feb 11 2020, 09:07 PM
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QUOTE(!@#$%^ @ Feb 11 2020, 09:05 PM) Easy for them to trace the the transactions and who did it based on all the time stamps and amount there. Can cross-check too. |
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wild_card_my
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Feb 11 2020, 10:54 PM
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Things are really getting heated here |
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wild_card_my
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Feb 23 2020, 11:59 AM
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QUOTE(TheEquatorian @ Feb 23 2020, 11:40 AM) Is it possible to transfer ASNB fixed units between two non-related persons? How does the process work? Thanks Use the "transfer" process through MyASNB app or portal |
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wild_card_my
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Feb 25 2020, 09:30 AM
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QUOTE(lucifah @ Feb 25 2020, 09:26 AM) besides great power comes with great responsibility (hope it is non abusive but you are like part owner of the forum anyway)... sticky threads tend to be ignored I guess you can always unsticky it in the future, but new users prefer stumbling into normal threads that get bumped up with comments every now and then. I don't know tho, you do you Btw, an update: Now CIMB ASB Financing can do 40 years tenure too, but all the way till 70 years old. This is "better" than mortgages. Applicable to ASB only tho, sorry heh (but still pertains to the topic as ASB1, 2, and 3 are also ASNB Fixed price UT) |
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wild_card_my
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Feb 25 2020, 09:46 AM
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QUOTE(AnAngel65 @ Feb 25 2020, 09:43 AM) Haha I already bookmark this page so doesnt matter whether its sticky thread or not. No luck these few days. book mark and subscribed right? |
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wild_card_my
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Feb 25 2020, 03:56 PM
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QUOTE(facktura @ Feb 25 2020, 03:54 PM) baru gaji boss, before spend on unnecessary stuff better buy units now haha.. Shouldn't be any problem to buy now if you can get the units. Selling it may be best done on the 1st to earn your distributions |
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wild_card_my
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Mar 2 2020, 12:01 PM
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QUOTE(Matchy @ Mar 2 2020, 12:00 PM) bump it la~! |
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wild_card_my
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Mar 2 2020, 08:57 PM
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QUOTE(moosset @ Mar 2 2020, 08:31 PM) so did Khazanah outperform ASB? Different objectives, different mandate (asb has a secondary mandate that is to help bumiputeras through strategic holdings) These two funds are incomparable |
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