good luck mate.

just had a quick look at one of the stocks i'm holding, bought them at $1.20/share and now they're $0.20 (lost 83%)

I'm not cut out for this 

I'll stick on course with 'safe' bets like ASNB & EPF..though now I may have to add a couple more years of working which is fine.

Already mentioned.. but need to clarify with your agent/bank though
We'll see after moratorium ended

some banks promote their PF as fixed rates, but are in actuality based on variable rates. For example, Bank Islam. Do check your LO and update here, could be an interesting case study

I think this only applies for hire purchase loans and fixed rate loans right? Not ASBF

Sorry fixed loan rate applies to which products? Personal loan only ?
So asbf not effected?

PNB jangka dividen asb terjejas namun akan pastikan dividen masih kompetitif?

oh my. oh my. its real now boys

I agree with you, an alternative portfolio would be to directly invest in the stock market, but only do it if you really know what you are doing.

Btw, I have something to say about the OPR cut and its effect on new loans

Lower OPR doesn't mean cheaper financing for all

they may actually be launching the financing again for ASB2F because they want to explore the new overseas market.

I have all of you (my current clients) on my broadcast list, just make sure you have added me into your contact lists, because I can't send any broadcast to those who do not have me in their contact list

It is stated in my signature and under my avatar

Do say hi on whatsap so I can add you; i cant broadcast to those I have not saved in my list too. name and company-name OR place of abode would help identifying you guys too. Like there are so many Hafiz. So I would just add identifiers like Hafiz (Petronas) and Hafiz (CGG Veritas), etc.

I have my staff group and label you guys too, many have more than one labels, because they take multiple products

You are correct. There is a window to do it, but those who had their financing at BR + 1.00% is now smiling from ear to ear while the new applicants are facing BR + 1.25% and perhaps higher now that bank is updating their spread

Update on rates.
My ASB loan rate just got lowered from 4.35% to 3.85%. Was initially 4.85% when I applied last Nov.
I wonder if anyone is getting 3.75% or lower.
However, it's under moratorium anyway, which makes cashflow even better for now.

I don't know when the rates went down for everyone else, for me it was just in the last couple of days.

Yes. Sorry2..

I'm in public mutual thread now. Some say can get as high 10-20%

Currently, starting from 1 July - 31 July, ASNB is having a promo for the registration of Hibah Amanah. Hibah Amanah is sort of penama for your money in the ASNB funds.

Normal registration fee is RM 180. Now only just RM 50.

For more info: https://www.asnb.com.my/hapapromo.php

It depends on ur loan structure whether flexible or fix loan

One time cost. But any ammendment will cost you another rm30

I have no comment about the charges..

Just to point out that "Penama" is wasi that will distribute the money according to consensus or faraid. Like "Penama" in EPF & TH.

Different than this Hibah service by ASNB/ARB the money will be given directly to the namelist. Just like Hibah Takaful. It will not be included for faraid..

Hi, saw tiger bank offering up to 105% loan, what does this means? If apply 200k then means get 210k? Also, if it's possible to withdraw and save any amount as long before end of year/where they calculate your dividen?

It's part of the financial assistance package. They have a few packages and it depends on how much of a paycut you got or if you've lost your job. One of it is pay only the interest for 12months, thereafter pay new instalment with tenure extended.

This is actually inaccurate. Stock market rebounded quite sharply after March. Most of UT are even returning double digits % now.

Might be a different story for funds that heavily invested in bonds. As BNM keeps slashing OPR.

Looks like EPF has beaten ASB return for the first time ever.. might be better to forget about ASB3 and invest through EPF instead, they're doing great job