Yep, obtained 500asm just now, the locked out period of 5 minute is very frustrating..

AIYAAAAAAAAAAAAAAAAAA...
WRONG TAC 500ASM FLYYYYYY AWAYYY FROM MY HAND...

Sitting in PNB there.
A chinese lady walk past and decided wanna sell rm 2800 something.

I asked the officer can they directly sell to me , they replied with no.

Ended up i need to snatched the unit via online. Managed to get 2k ASM.

Why the SOP so difficult zzz...

And i wonder now, can they directly transfer to me then i pay them in cash (of course i pay the rm 15 transaction fee)

the officer stated that our quota is different, and the deal can't make it through ?
I'm like .. what ?

Do ASM1/2/3 had their own Chinese:Bumi:Indian quota?

And for beLIEve , she withdraw 28XX.XX to make the account round number of 20k unit.

Oh yeah, any private group that people wanna buy or sell their ASM1/2/3 ?
I'm tired to click 10 times, then get booted out, then retry in 5 minutes...

at least during last time, i have the auto-decaptcha and auto-clicker standby....Now it is mentally torturing for a mere rm1k rm 500 sum ...

Wahh.. seriously if someone wanna sell me ASM1 , i prefer meet up and deal personally.
But 2% .. hmm.. is it expensive or is it a market rate ?

Well if you meet person to person, I'm not transferring money to the stranger ... we will meet up in the PNB office, then i will bring the cash, then after the officer confirmed the transaction, he/she will have the cash immediately.

______
Recently,
Very hard to hunt for ASM1 , but i usually will get some ASM2 or ASM3....

Today obtained 1k from ASM2 and 1k for ASM3.....

1. Yes, i will adapt the beLIEve method, the so called pass money to PNB officer, then count money, then transfer unit, then give the money back to seller, then belanja officer 1 pack of kopi as middleman lol

2. The reason i'm hunting for ASM1, because i'm still young, and only get to know such FP fund when AS1M is released. And my pie is severely distorted, ASM1:2:3 ratio is like 10:35:45 hahaha, i don't like it.

3. you wanna sell at 5% (so called 1 year return rate) , good luck lo.
Those who gunning for ASM1/2/3 at least will have little financial knowledge

Today just get lucky obtained 1k ASM1 unit.

I won't be paying for that thou.
I know that Malaysian is already used to 5% sales charge for Mutual fund or something, but i deemed that is throat cutting charge, at least in my humble opinion.

Aiyo. 3 attempts every 5 minute... You think what oh...
How about do queue system... Everyone can queue for 1k unit, each people take turn and queue once at 1 time...

3 attempts is so sad la

Ehhh so lucky... I still have some money left from my previous salary, still trying hard to buy some unit ... But this is getting more and more frustating...

A good country system is a country that can help the poor or the desperate climb into the ladder of success, ie Social Mobility.

No doubt that MRSM , ASB and a lot of things helping Bumi's achieve success, BUT as you creating the quota system, it creates a safety net which people will just abuse the system , ie no more social mobility.

Actually, Racial basis quota shouldn't be in the first place. Data driven basis should be the one , just like how we should pay our GST/SST.
Ie if you earn spend more , u pay more tax.
If u r a low income earner , u should get the benefit.
If u r a efficient worker, u shall benefit from the bonus.

There shall be no oh this Chinese is lazy but since its chinese we give 3 month bonus. Oh this Siam is working hard, no need to pay him bonus la since he is siam bumiputera.

Just my 2c.

Sad ... tried hard but no unit this morning

if it is taxable, then it is double taxation.

Company earn -> Taxed -> PNB -> 2nd tax -> Investor

ASM is so hard to get...
i usually get ASM2 or ASM3 ...

Today get ASM1 and ASM2 1k respectively...

Thanks to gomen for paying my salary today, i still have 1k budget left to shoot for ASM... >.<

u can get 10k... meanwhile i want to get 1k also susah....

meanwhile i want to get 1k also susah... haizz...

even thou it is scripted, ASNB still lock out you after 10 attempts...

All want to withdraw but want to earn profit at a same time kek
I'm quietly searching for ASM1 seller >.<