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airmineral replied at 1-6-2020 09:52 PM
owh bole q utk masuk list ye. nak cuba juga la harap2 sekurang2nya boleh masuk waiting list. semog ...
Akak oun dah belas tahun q utk BankRakyat. Tp sampai la ni saham masih takuk tu je. |
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airisa replied at 1-6-2020 10:36 PM
Tak perlu. Just bukak asb2 skrg, letak je rm1k. Pulangan asb2 pd hujung bulan mac. Asb dikira divi ...
Ala.. Tadi baru masuk 3K kat asb! X ingat langsung pasal asb2 ni. Hujung July dpt duit kutu. In syaa Allah kena nekad masuk asb2 pulak. |
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soulskull replied at 1-6-2020 11:10 PM
Baru 5 tahun start kerja. Awal2 dulu memang menabung kat Tabung Haji & ASB, sebab takde ilmu nak inv ...
Congrats! Pandai menyimpan ni! Dari belajar lagi dah menyimpan. Hat’s off to you, soul.
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green~tea replied at 1-6-2020 04:16 PM
Eh masuk je waiting list tu... sbb lepas bulan 10 ni sure ramai jual unit... moratorium habis kan. ...
Harap2 ada rezeki akak bulan 10 ni.. |
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Kak-Leen replied at 2-6-2020 12:03 AM
Ala.. Tadi baru masuk 3K kat asb! X ingat langsung pasal asb2 ni. Hujung July dpt duit kutu. In sy ...
Kalau belum ada asb2, bukak letak rm100 dulu pun tak pe. |
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green~tea replied at 1-6-2020 11:29 PM
eh OK ke camtu.. kwsp bg i not bad tau performance dia.. i would rather leave kwsp as it is... a ...
Saja sis nak besarkan tabung sbb masa 5/6 tahun lepas masa buat, asb2 ok juga performance. Tapi lama dah tak buat tu.
Tq sis for sharing |
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Kak-Leen replied at 2-6-2020 12:01 AM
Akak oun dah belas tahun q utk BankRakyat. Tp sampai la ni saham masih takuk tu je.
adoiii lamanya tgu q.huhu |
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airisa replied at 1-6-2020 10:36 PM
Tak perlu. Just bukak asb2 skrg, letak je rm1k. Pulangan asb2 pd hujung bulan mac. Asb dikira divi ...
orait. lagipun xrugi pon buka asb2 anytime, kan. tp dia ada kuota ke x? |
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airmineral replied at 2-6-2020 09:18 AM
orait. lagipun xrugi pon buka asb2 anytime, kan. tp dia ada kuota ke x?
Soft limit sama mcm asb .. 200k. Limit akan naik ikut dividen payout |
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green~tea replied at 31-5-2020 02:04 PM
i buat few years ago... lama dah.. amek long term terus.... mmg niat amek loan tu sbb nak cepat ...
Baru perasan ni, untungnya you, asnb bagi extra limit.. I tak pernah dpt extra. Byk tu dividen, byk tu la naik limit.. tak leh nak tambah even 1 sen pun sebab dah reach max limit.
Itu yg skrg ni semua fund I tambah ... asb2 pun dah nak reach limit.
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Edited by green~tea at 2-6-2020 10:05 AM
juliesha replied at 2-6-2020 08:50 AM
Saja sis nak besarkan tabung sbb masa 5/6 tahun lepas masa buat, asb2 ok juga performance. Tapi la ...
I learnt my lesson the hard way... sbb penah kuarkan kwsp masuk unit trust sampai 500k... urut dada tengok unrealized loss 60-70k... nasib baik dah recover balik.... and dah positive dah pun after 5 yrs
I share sini i tanak org lain repeat my mistake.. just leave ur money in kwsp.. sakit dada tau tengok rugi 60-70k berapa lama pujuk hati suruh sabar.. alhamdulillah, dpt recover back all losses and turn it to profitable... that kind of experience, i tanak org lain lalui |
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Edited by green~tea at 2-6-2020 10:36 AM
ha ah... maybe sbb asb i tu dah wujud sejak i skolah rendah.. so bila i reach limit, dia kasi extra limit lepas annnounce dividen.. so i kerap check berapa room to top up in february... ala tak byk pun dia kasi extra tu.. dalam 2-5k jeee.... sbb tu senang nak topup...
i pun dah max asb2 sbb jual rumah hahahaha... bukan sbb i kaya pun.. husband i pun sama.. dia la yang ajar i pasal kewujudan asb2 nii...
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itu la .. my asb acc tu dah almost 30 years pun tak dpt extra .. my frens pun sama, i guess we are the unlucky bunch .. dah penuh but tak dpt additional
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wahhhh banyak tu sis. cuma asb2 dia harga tetap kan? i think better tunggu performance asb2 better sikit kot baru sambung invest thru kwsp.
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Edited by green~tea at 2-6-2020 09:57 PM
juliesha replied at 2-6-2020 11:01 AM
wahhhh banyak tu sis. cuma asb2 dia harga tetap kan? i think better tunggu performance asb2 better ...
Yes so far, sama je almost equivalent performance dgn kwsp.. so i just let KWSP duduk dendiam je lah situ... but then i mmg masuk ASB2 via cash sahaja and explore saham harga tetap PNB sbb lesson learnt unit trust tu la... i tanak hilang my hard earned money.. even just potential loss pun, still sesak dada tengok....
so far i puas hati je dengan dividen kwsp... i masuk jugak PRS (2nd EPF) tp tak banyak pun.. cukup sekadar claim income tax sahaja... masuk sejak launching 2013, tax exemption rm3k per year...
Masa nak tunggu AHB maybank bukak fund dulu sampai berjanggut tunggu.. i masuk le maybank smartcash retirement fund.. takde la juta2... just rm190k inital investment i letak, hujung2 return dia best, better than FD... tp kena tunggu mature 15 tahun baru berbaloi return dia, i buat spreadsheet.. hahaha
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thanks sis for the tips nanti nak check prs. yg asb2 tu boleh juga masuk cash
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ha ah.. better camni.. jgn keluarkan duit KWSP.. biar lah situ.... asb2 u masuk je cash situ... asb 1 pun, buat loan, mix with cash... nak loan 100% pun ok kat ASB 1 ni... yg penting kena disiplin takleh la keluarkan... i suka ASB1 or ASB2... sbb i jenis malu nak gi bank kuarkan duit... so selamat dah duit kat situ
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airmineral replied at 2-6-2020 09:13 AM
adoiii lamanya tgu q.huhu
Belum rezeki lagi nak dapat tambah saham BR. Huhuhu. Tp tiap tahun akak isi borang. Gigih kan?Huhuhu. |
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green~tea replied at 2-6-2020 10:01 AM
I learnt my lesson the hard way... sbb penah kuarkan kwsp masuk unit trust sampai 500k... urut d ...
Husband akak ada 5++K dlm public mutual sejak dulu. Pindah Kluang x pernah tambah lagi. Baru ni akak suruh dia check harga. Dia kata ok, nanti dia check. Sebab akak ada baca dlm forum yg dinasihatkan check harga saham2 tu sebab ekonomi makin meruncing skrg kan.. Takut rugi banyak dari harga initial dulu. |
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airisa replied at 2-6-2020 06:00 AM
Kalau belum ada asb2, bukak letak rm100 dulu pun tak pe.
Ok Airisa. This week akak buka asb2 pula. |
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Post time 2-6-2020 12:01 AM
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