Sorry /k/ I cannot sleep now, suddenly pop in my head mau kira2 dividen from ASB vs TH
Assuming one has RM100k to put in either one for low risk investment, and no topups each month for one complete year (to make calculation easier).
For Tabung Haji, based on 2021 dividen of 3.1%
Rm100k x 3.1% = RM3100
Total = RM 103,100
For ASB 2022, based on the recently announced dividen of 4.6% + 0.5%(first 30k units)
RM30k x 5.1% = RM1530
Rm70k x 4.6% = RM3220
RM1530+RM3220 = RM4750
Total = RM104750
After 2.5% zakat deduction
Grand Total = RM102131.25
For ASB 2021, much more straight forward 5%
RM30k x 5% Total= RM 105000
Deduct zakat 2.5$ Grand Total = RM 102,375
The difference between ASB and Tabung Haji is RM968.75(2022) or RM725 (2021). Again, For 2022 Tabung Haji Dividen, will only know by March 2023 so by that time gonna calculate again hence why using last year data.
So is my calculation correct, that it is better to save in TH rather than ASB?
This post has been edited by Boy96: Dec 23 2022, 07:27 AM
if belum sampai haul, asb. if sudah sampai haul, tapi rajin urus zakat sendiri, asb. (tax payer can claim pcb 100% from zakat) if malas let th settle all. simpan at th.
This post has been edited by soulz69: Dec 23 2022, 07:38 AM
serious answer, try to diversify, dont put one all your egg in one basket. myself, asb-70% (not going to increase anymore) tabung haji-15% gold-15% (targeting for more) 1 house-90% paid (1 pcs enuff la for now)
This post has been edited by zerorating: Dec 23 2022, 03:28 PM
but tabong h@ji got issue right? something to do with the law where if the yearly fiscal is on negative,cannot declare dividend but they went and did it anyway?
Eh i am the one asking la need berapa and jf u all ada lobang x
Gentari, electron etc.
Modal of course lower than petrol station. But the high cost is the piece of land and construction. But set up ev charging bay is easier than oils cause oil need dig dig for tanker.
If you follow the camel rider way of calculating Zakat, you will never make much of a profit because the 2.5% is not cut from the dividend amount but from the principal and the dividend. So essentially it's compounded every year. So camel rider wannabes will never make more than 1-2% if they calculate it properly and not the half-assed way of just cutting it straight from dividend % which is wrong. TH is following the latter method by cutting it straight from the dividends and by some cooking the books to make their profit higher than it actually is. It's why LGE had to step in and save TH because all this while they were running into a deficit on their reserves which were in the negative to the tune of billions and yet somehow they were paying dividends from out of thin air.
Modal of course lower than petrol station. But the high cost is the piece of land and construction. But set up ev charging bay is easier than oils cause oil need dig dig for tanker.
That one is for DCFC, see the post above they supply AC chargers just need your own parking lot. Should be much cheaper
but tabong h@ji got issue right? something to do with the law where if the yearly fiscal is on negative,cannot declare dividend but they went and did it anyway?
kinda what im thinking.
all else being equal or relatively equal, better avoid Tabung Haji because of risk from the institution itself.
If you follow the camel rider way of calculating Zakat, you will never make much of a profit because the 2.5% is not cut from the dividend amount but from the principal and the dividend. So essentially it's compounded every year. So camel rider wannabes will never make more than 1-2% if they calculate it properly and not the half-assed way of just cutting it straight from dividend % which is wrong. TH is following the latter method by cutting it straight from the dividends and by some cooking the books to make their profit higher than it actually is. It's why LGE had to step in and save TH because all this while they were running into a deficit on their reserves which were in the negative to the tune of billions and yet somehow they were paying dividends from out of thin air.
That one is for DCFC, see the post above they supply AC chargers just need your own parking lot. Should be much cheaper
AC charging yes much much cheaper. But DCFC makes the most profit cause majority EV drivers now prefers quick & power charge. 150+ kwh. PHEV opts for AC due to limitation.
If you follow the camel rider way of calculating Zakat, you will never make much of a profit because the 2.5% is not cut from the dividend amount but from the principal and the dividend. So essentially it's compounded every year. So camel rider wannabes will never make more than 1-2% if they calculate it properly and not the half-assed way of just cutting it straight from dividend % which is wrong. TH is following the latter method by cutting it straight from the dividends and by some cooking the books to make their profit higher than it actually is. It's why LGE had to step in and save TH because all this while they were running into a deficit on their reserves which were in the negative to the tune of billions and yet somehow they were paying dividends from out of thin air.
Kan ni nah boleh land, deficit pun ada dividen, best investment.
You can go to any Maybank branch. It takes a long time to open account, almost 20 mins. Sometimes the officer don't want to entertain and say fund is full. Just insist, coz now the fund is still plenty.
AC charging yes much much cheaper. But DCFC makes the most profit cause majority EV drivers now prefers quick & power charge. 150+ kwh. PHEV opts for AC due to limitation.
Dec 23 2022, 04:14 AM, updated 3y ago
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