A/C 3 is enable ppl to withdraw easier than a/c 1 & 2. Different criterias as a/c 1 for pension, a/c 2 for housing, medical, school, investment, etc etc

Currently they proposed A/c 3 is for
- for emergency withdraw
- certain percentages only can be withdrawn
- only for new members (born after 2010)
- proposed 3% - 5% dividends
- this are proposal only, finalise to be announced again soon

ASB = amanah saham bumi (only for bumi)

ASN = amanah saham nasional (for both bumi and also non-bumi)

ASNB = amanah saham nasional berhad (that is the company that provides asb and asn)