I read here

http://canyouberich.blogspot.com/2011/11/a...u-asb-loan.html

&

http://beritasemasa.com/pelaburan-pinjaman-asb-asb-loan

its base on the MINIMUM amount in your asb account every month, prorated.

lets say you invest rm100 every month, starting with rm0 in the 1st month, and assume u get the dividend in the 13th month (assume PNB announce 10% dividend).

1st mth = 0 , dividend = rm 0
2nd mth = 100 , dividend = (10%*100)/12 = rm0.83
3rd mth = 200 , dividend = rm 1.67

You do the math on the remaining months. Dividend you will only receive when PNB announce the dividend, so you total out the supposed dividend you receive every mth

sifus pls correct me if i'm wrong