haha well can't blame you then! yes everything is dependent on dividend but ASB have a very good track record if you refer to the history. 8-8.5% is the lowest dividend for the past 20 years. As for you prefer the $ instead of %, I think that is debatable. Here is the scenario:

1. I invested RM7,704 and in 20 years I have made a returns of RM115,124.

2. You invested RM RM154,080 and in 20 years you have made a returns of RM404, 375
So if you notice, I have a +ve cash flow of RM642 each month compare to you (for 19 years). I can used this extra cash flow to expand my portfolio to other types of investment like gold, property, unit trust, etc. So basically I have higher potential return than you by the end of 20 years. Well I don't think I need to specifically detail out what the return would be. you can do your own estimation if you have a +ve cash flow RM642 what can you do with it. that is like 1 gold dinar each month and gold have a been returning almost 30% per year lately.

what I'm trying to say is, leverage is the best investment anybody can do. F*ck, even the Glazer's are doing it to Manchester United! Anyway good luck with your investment!

owh. sorry for forget to inform u guys earlier.
there is maximum limit for ASB account set by the government.
u may consider it as u have reached maximum quota for single bumiputra.
one single person only allowed to invest maximum of RM200k.
if u already have your own saving, you should not have more than RM200k in your same account.

in your case, i would advise u to withdraw your current ASB saving into fix deposit account.
for more benefit, transfer your current ASB saving into your family's account, keep it in your parent's account or brother/sister.
just dont forget to collect your dividend and avoid being mixed up with their saving

Can we make withdrawals from EPF to fund Amanah Saham Bumiputera?