Kepada yang bernasib baik mempunyai saham Bank Rakyat, tahniah Bank Rakyat mengumumkan 15% dividen tunai dan 5% bonus dalam bentuk share dividen.
Memang pulangan lebih tinggi dari ASB jika berpeluang membeli sahamnya.
Sunday, March 25, 2012
Friday, March 23, 2012
Rekod Pendapatan Agihan Amanah Saham Bumiputera
Berikut adalah agihan setakat tahun ini 2012 untuk semua.
Bawah adalah jumlah keseluruhan agihan sejak ASB diwujudkan pada tahun 1990.
| Year | Dividend (sen) | Bonus (sen) | Total (sen) |
|---|---|---|---|
| 1990 | 8.00 | 6.00 | 14.00 |
| 1991 | 8.50 | 4.00 | 12.50 |
| 1992 | 7.50 | 5.00 | 12.50 |
| 1993 | 9.00 | 4.50 | 13.50 |
| 1994 | 9.50 | 4.50 | 14.00 |
| 1995 | 10.00 | 3.00 | 13.00 |
| 1996 | 10.25 | 3.00 | 13.25 |
| 1997 | 10.25 | 1.25 | 11.50 |
| 1998 | 8.00 | 2.50 | 10.50 |
| 1999 | 8.50 | 1.50 | 10.00 |
| 2000 | 9.75 | 2.00 | 11.75 |
| 2001 | 7.00 | 3.00 | 10.00 |
| 2002 | 7.00 | 2.00 | 9.00 |
| 2003 | 7.25 | 2.00 | 9.25 |
| 2004 | 7.25 | 2.00 | 9.25 |
| 2005 | 7.25 | 1.75 | 9.00 |
| 2006 | 7.30 | 1.25 | 8.55 |
| 2007 | 8.00 | 1.00 | 9.00 |
| 2008 | 7.00 | 1.75 | 8.75 |
| 2009 | 7.30 | 1.25 | 8.55 |
| 2010 | 7.50 | 1.25 | 8.75 |
| 2011 | 7.65 | 1.15 | 8.80 |
Can I use ASB for Home Loan Application?
Yes you can.
To apply for your home loan, for employed persons, you must furnish 3 months of salary slip and also proof of tax submission. However, to strengthen your case, you can also photocopy your ASB book as proof of your financial worthiness.
Best to photocopy at least 3 years of ASB transactions to them to show proof you didn’t just deposit RM200,000 in the last minute.
A large savings in ASB just provides proof to the bank that you are stable and have financial backing in case you lose your job or anything else.
Good luck and happy purchasing your new home.
Jumlah Maksima Pelaburan Amanah Saham Bumiputera
Persoalan yang selalu ditanya oleh orang ramai. Jumlah maksima deposit adalah RM200,000. Bagaimanapun, jika akaun ASB anda telah menerima dividen dan bonus sampai RM50,000 dan baki buku anda sudah melebihi RM200,000, anda boleh melabur lagi dalam RM50,000.
Apa akan terjadi dengan dividen dan bonus yang diterima setelah buku ASB anda telah mencapai amaun maksima? Ia akan bertukar ke unit secara automatik dan tahap maksima baki akaun ASB anda akan berubah. Jika anda tinggalkan sahaja RM200k dalam ASB, setelah 10 tahun, baki anda mungkin sudah bertukar ke RM1 juta iaitu baki terkumpul.
Bagi anda yang sudah mencapai tahap maksima RM200k, tahniah. Bagi yang belum, berusaha menyimpan lagi.
ASB or Public Mutual?
This is the question I always hear from friends and family. Here are a few points for your info.
ASB
1. Consistent returns of between 7% to 8% per annum.
2. Guaranteed by the government of Malaysia
3. Limited up to RM200,000 deposit
4. Limited to Bumiputera only
5. Can withdraw anytime at Pos Malaysia, Maybank, CIMB, RHB and PNB offices
6. Harus for Muslim investors
Public Mutual
1. Returns can go up to 30% per annum
2. Can also make a loss out of investment
3. Not guaranteed by government but backed by a stable bank ie Public Bank
4. Amount not limited
5. Open to everyone
6. Can withdraw at any Public Bank
7. Can choose Halal trust
Personally, I would have a combination of ASB and Public Mutual investments.
Maybank ASB Loan
Here is the info on ASB Loan offered by Maybank. I got the info of their website. You can go there for more info.
Eligibility
- Individuals who are between the ages of 18 and 60 years old
- Bumiputera
Loan Amount
- Min loan amount : RM10,000
- Max loan amount : Up to RM400,000 per borrower, at any one time including the balance outstanding of the existing ASB loans (if any), or up to the maximum investment amount allowed by ASNB, whichever lower
Margin of Advance
For loan amount up to RM200,000
- Up to 100% of nominal value of ASB units
- Up to 105%, inclusive of the GASBRTA
For loan amount above RM200,000, at any one time
- Up to 95% of nominal value of ASB units
- Up to 100%, inclusive of the GASBRTA
Loan Tenure
- Up to 25 years or
- Up to age 60, whichever is earlier
Pricing
- Loan below 30,000
BLR - 1.35 % (for 1st 3 years)
BLR - 1.30 % (thereafter) - Loan RM30,000 & above
BLR - 1.65% (throughout loan tenure)
View the monthly instalment repayment schedule
Repayment Frequency
- Monthly
Repayment Option
- Single installment only
Mode of Installment Payment
- Variable Standing Instruction (VSI)
ASB Income Distribution & Bonus Earned
- Automatically credited into the respective ASB unit holder's account
- ASB financial year ends December 31
Required Documents
-
- Application form
- Photocopy of Identity Card
- Photocopy of latest 3 months pay slip/other proof of income e.g : Bank account statement
- Photocopy of ASB Passbook (for existing ASB unitholder customers)
For further details, visit your nearest branch today!
* Please call during office hours (Mon to Thurs: 9.00am - 5.45pm, Fri: 9.00am - 4.45pm). Terms & Conditions apply.
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