you kick start the new year with a 1.5% + $15 = $75 = ~2% loss ?

This post has been edited by beLIEve: Jan 1 2020, 01:05 PM

investing is not about the cost as much as it is about the potential to earn. Pretty much any investments have entry costs, like properties: legal fees, valuation fees, stamp duties, etc.

Haha.. not a loss per se but a saving on my time cost. I dont hv much time to spam and no luck either to hit big amount. So a price worth paying for my case. Totally agreed with what wild_card_my hv said.

yes but it depends on the scenario no? this is like an FD. 4000 anytime can buy online.

ok loh. 4000 is not a big amount. i spent my leave to buy on my own

This post has been edited by beLIEve: Jan 1 2020, 01:18 PM

I know, but I am pretty sure he has balanced it up, between the costs of 2% vs the potential to earn from ASNB funds. Not to mention the time it takes for him to do it on his own, vs his own potential to earn (or rest, because resting is part of your life)

As long as it is not excessing, like the 5% mentioned above I think it is OK. Consider it a sunken cost and look forward to future returns

Aiya...not everyone like u can take a week off from work just to spend few hours a day to spam asnb mah...

Time is money

ok if you insist.

year end clear leave. so i wasted energy on ASN instead of relaxing elsewhere.

I am quite.. .intrigued as to how you guys are doing this. So when you click you want to buy, youneed to enter the amount. So you just keep spamming? If you fail, you go back, and redo it till it gets to the page where it says "you have 15 minutes to complete the transaction"?

U have 10 tries to hit the amount you desire. If not hit then u have to wait 5 mins before u can try again.

Btw, i have stop spamming for quite some time. I used to spend 8 hours a day and managed only to get 2000 units. Not worth the time spent for the benefits.

i think it's something similar to ASB2. do you get no units available if you try ASB2? otherwise, you can just try ASM1 to get a feel

This post has been edited by beLIEve: Jan 1 2020, 01:41 PM

After initial time you enter the amount the system remembers it, so all you need to do is click to attempt to buy. After 10 tries set timer 5 mins to remind yourself to try again later. Repeat whole process.

huh interesting. Full disclosure, I am using screenshots of this thread to show to my fellow eligible clients about how people who are not eligible for the units by default (as in they have queue an all) are going through a lot just to get a few units to propup their investment portfolio

On the other hand, we have Bumiputras with their 200k quota and RM500 balance criticizing ASB for giving 5.5% return. That is ludicrous on them.

Keep up the good fight guys, I am impressed by your grit.

I tell my clients to transfer to ASB3 if they cant get into ASB2. Never had any problems with new deposits for ASB3

edit: this is for this who are taking financing for the maximum 200k, but they already have deposits in their ASB1 account and need to move it elsewhere. ASB2 is priority, if not, ASB3

This post has been edited by wild_card_my: Jan 1 2020, 01:43 PM

haha i still haven't give up. and yes 8 hours a day. so damn tired after 5pm.

that's why EPF always my first choice.

ahhh yeah. so what we are going through is something like ASB2.

Keep on fighting! I am impressed by your grit and endurance as well.

Fair enough. Understood~ Not much experience in spamming. When my clients complain about ASB2 being full, I may just tell them to transfer to ASB3. It is their call though.

right. 2 more months to go with some luck. 3 or more months if no luck

haha we have nowhere to fallback to, unless variable price or go elsewhere.

they can still go for ASM2 and ASM3 after ASB3 is fully utilized.

Your sarcasm knows no boundaries


Historically, which funds out of these FP are giving out the best returns? As in do you guys have a preferred ranking? For me it is ASB, then ASB2. But I am not familiar with the other FPs

didnt check the history in details, i just glanced through them.

most people prefer 33% in each fund. some prefers to overweight ASM1. i try to 50% ASM1 and 50% ASM2/3. currently ASM1 is everyone's favorite because 5.5% vs 5% of the other two. well, that was before ASB1 became 5.5%.....