How to calculate ASB dividend and bonus


Many of us get confused when they received ASB yearly statement. So with some help from Cari.com.my forumers, I have compiled the way to calculate ASB dividend and bonus.

Calculating Dividend

ASB dividend is computed monthly but it will be distributed annually. Let say PNB have declared that this year dividend rate is 7%. This is how to calculate your dividend:

monthly dividend income= 0.07 / 12 x minimum balance
Annual dividend income ( this will be shown up in you balance) = sum of monthly dividend for that year

Calculating Bonus:

Bonus is given to minimum monthly bonus for the past 10 years (120 months). Bonus will be most beneficial to those who have been saving for at least 10 years. Let’s say ASB bonus is 2% this year.To calculate Bonus:

monthly bonus = 0.02/120 x minimum monthly balance

When i said monthly balance, it is not this year’s months only, but including the months’ from the past 10 years.
this year bonus = sums of monthly bonus for the past 120 months

Example: Let’s say that you just invest for 4 years (48 months) and your average monthly balance for the past 48 months is $1000. So the bonus will be 48 x ( 0.02/120 x 1000) = $8

So that’s how to calculate the bonus and dividend for ASB. Any correction and question please put in the comment section below. t

Update: Automatic calculator is available here http://www.irwan.biz/asb-calculator-v3/

  1. #1 by Afham on July 3, 2006 - 6:21 pm

    ASB… anyone got any idea/opinion about ASB Loan that been offered by bank? aku 50/50 aa. tolong.. urgent..ym me k? afham_86

    • #2 by hakim on January 14, 2009 - 10:42 am

      tgk kemampuan kamu nak bayar brapa..
      benda tu kadang kala menguntungkan..
      adakala tak menguntungkan..
      lagi bagus kalau sendri simpan ..
      heheheh

      • #3 by lisa on June 20, 2009 - 6:39 pm

        ya betul> kalau nak simpan lama baik dalam unit trust. mula simpan rm500 bulan2 potong bank minimum rm200>>

    • #4 by haiz on April 9, 2010 - 12:46 am

      first year susah la.. tp end of year dpt dividen. so, guna la duit tu tuk byr…

    • #5 by apih on May 12, 2010 - 2:09 am

      cmne ye kalu aku stop kan asb aku dh msuk br sblan…tp aku nk stopkan aku wk yng pnjaman tu

  2. #6 by Afham on July 3, 2006 - 10:15 pm

    mystery solved.

  3. #7 by Anwar Hezan Shah on September 21, 2006 - 12:24 pm

    I just need more examples on these calculations (both for dividend and bonus).

    The scenario (as i believe most malays adopt – i’m talking about ASB here) is how to calculate if one makes a monthly investment (say RM200) and say he/she has been investing for the past 2 years.

    How do i calculate the amount (dividend and bonus) from the above investment for the end of Year 2. For the sake of simplicity, we assume the dividend rate is 7% for that past 2 years.

    Thanx for your time…

    Hope to hear some response from you soon.

  4. #8 by Irwan on September 26, 2006 - 9:05 pm

    hi sorry for late reply.I missed out ur comment in this post.

    Basically, the dividend is counted on monthly based but paid annually.

    Let say, you invest RM200 everymonth, and the rate that year is 7%.

    to get the rate for every month in that year, 7% is divided by 12: 0.583%

    use this rate ( 0.583%) and multiply with with your lowest balance everymonth.

    For example, in January, you get Rm200 x 0.583% = RM1.167
    For example, in February, you get Rm400 x 0.583% = RM2.333

    and so on. At the end of the year, the sum of montly dividend is paid into your account.

    Hope this will help.

  5. #9 by Ayu_arisya on December 24, 2006 - 11:31 am

    Irwan,
    Is the calculation of ASB dividend & bonus distribution that you present accurate? Actually, i didn’t apply and didn’t test as what you present here, but i’d a calcualtion in excel file and i found it quiet accurate , and maybe have +/- RM 20 on it.

    But, i will try to follow your step on how it being calculated. BRB :)

  6. #10 by Irwan on December 24, 2006 - 12:06 pm

    actually the calculation is based on dividend only where the bonus is not included. i’ll try to include the bonus in my next web-based calculator.

  7. #11 by Mýr on February 19, 2007 - 10:31 am

    Oh! Now I know where the bonus figure is coming from. Thanks.

  8. #12 by wan on April 26, 2007 - 3:21 pm

    hi irwan, i’m new to ur site. i dont really get it how to calculate the bonus. you wrote “Bonus is given to minimum monthly bonus for the past 10 years (120 months).” does it means, monthly bonus is calculated based on what value is the minimum amount for that month , or the minimum amount since last the 10 years?

    btw, very informative site.

  9. #13 by Irwan on April 27, 2007 - 1:50 am

    hi wan.. thanks for visiting my blog.

    it’s monthly minimum balance. so let’s say the bonus this year is 0.02 (2%), the bonus for this year is the sum of

    (0.02/120 )*( minimum balance for each month for the last 120 months)

  10. #14 by wan on April 27, 2007 - 11:39 pm

    thanks irwan, just to confirm with u..
    say for 1st two years, 1st yr bonus 2%, 2nd yr 3%
    yr 1 bonus = (0.02/120)*(sum of min balance from month 1 to month 12)
    yr 2 bonus is (0.03/120)*(sum of min bal from month 1 to month 24)
    am i right?

  11. #15 by Irwan on April 28, 2007 - 12:07 am

    the first month should be the month of the last 10 years,

    yr 1 bonus = (0.02/120)*(sum of min balance from month-1 of the last 10 years to current month 12)

  12. #16 by wan on April 28, 2007 - 3:52 pm

    ermmm…, but if it’s ur 1st yr of investment, u dont have bal from month 1 of the last 10yr right?

  13. #17 by Irwan on April 29, 2007 - 3:10 am

    yes it is… you won’t get much from bonus part if you just invested

    i think u confused about dividend and bonus. it’s different thing. dividend is for 12months, while bonus is for 120 months. Let say dividend is 7% and bonus 2%:

    yr 1 dividend= (0.02/12)*(sum of min balance from month-1 to month-12 of year-1)

    plus

    yr 1 bonus = (0.02/120)*(sum of min balance from month-1 of the last 10 years to current month-12) in this case all the previous months will be considered 0.

  14. #18 by ququ on June 27, 2007 - 2:32 pm

    hi guys,, i am new here,, just wanna get ur opinion,, is it worth if we take personal loan and then invest it into asb?? is it good rather than taking asb loan? thanx for your reply..

  15. #19 by Irwan on June 27, 2007 - 8:10 pm

    hi ququ, it’s a simple question with different answers. you can go through a long discussion here

    http://www.irwan.biz/asb-take-a-loan-to-invest/

    or if it’s too long, you can start a new discussion here

    http://www.irwan.biz/lets-compare-our-asb-plan/

    and i would be glad to answer your specific question.

    thanks

  16. #20 by ququ on June 28, 2007 - 7:03 pm

    thanx irwan, i’ve already went through the discussion.. thanx for the idea anyway..

  17. #21 by silverant on August 21, 2007 - 4:36 pm

    Irwan,

    Sorry, i tak clear sgt how’s the calculation ..
    Let say,
    i start my investment with capital RM5000 on January.
    the following month, starting from February onwards, i just pay rm100 permonth.

    So how’s the calculation will be?
    The dividend and the bonus?

  18. #22 by Irwan on August 21, 2007 - 9:44 pm

    for that kind of calculation, u better use our ASB calculator. you can get it here.

    http://www.irwan.biz/category/calculators/

    the tips on how to use it also there.

  19. #23 by Goldscanner on November 9, 2007 - 8:17 pm

    The returns from ASB are not that attractive after all. Anywhere, great to come to this site.

  20. #24 by Fazli on November 16, 2007 - 11:01 am

    Hi Irwan

    Thanks for your explanation. I would like to know how they determine the minimum monthly balance. Is there any cut off date for each month? As you may have known there is a lot of transaction within each month. Even for each individual there will be several transaction in a month such as withdrawal and top up.

  21. #25 by MackSlick on January 21, 2008 - 11:24 am

    Then my insurance agent is giving me some investment plan now, with a net rate of 6.78% per annum but may go up depending on the market rate. Also is the same concept, RM150 per month and i can withdraw after 20 years onwards. If this is the case, which is more worth it? ASB or insurance? From the calculation formula above, i can see that ASB has higher returns (I havent included the bonus yet but ive saving since young so should be over 20 years), but without any medical benefits. Any advice would be appreciated.

  22. #26 by flizzeck on February 13, 2008 - 3:47 am

    just wanna ask u…how much the current percent(%) dividen and bonus for asb ?

  23. #27 by faliq on March 19, 2008 - 10:22 pm

    faham pasal kiraan dividen.. yg bonus tu bile nak kire sendiri punye.. alamak… pasal sebelum ni pernah tukar buku… buku baru penyata start 2003…. padahal masuk dah lame… so… boleh ke kira bonus ??…

  24. #28 by nfhdvsk sduqr on May 22, 2008 - 7:34 am

    iwucs dbayhs dvgftu qnolkjgm xzipyluj kmdpc gfewcxdq

  25. #29 by amran on June 27, 2008 - 11:32 pm

    HI WAN,
    SAYA BARU DISINI, SAYA MASI KELIRU DENGAN PENGIRAAN TU: BOLEH TOLONG KIRAKAN DIVIDEN DAN BONUS ASB SAYA DIAKHIR TAHUN 2008 DENGAN KEADAAN DIBAWAH.

    OKTOBER 2004 SAYA MASUKKAN RM 125.00 DAN TERAKHIR SAYA MASUKKAN RM 11.000 PADA APRIL 2008.

    BOLEH KIRAKAN UNTUK SAYA KEUNTUNGAN ASB SAYA DENGAN ANDAIAN DIVIDEN 7%

    TQ…

  26. #30 by Ann on July 22, 2008 - 11:03 am

    What if i get a loan from another bank (7.2% p.a) for 10 years and invest in ASB? Will that generate positive income..any better options?

  27. #31 by Fros Salleh on December 26, 2008 - 8:40 am

    darn! i thought u have the calculator in your website.. Bt nevermind calculating manual is not too bad if i noe how too.. tks!

  28. #33 by salim on February 2, 2009 - 2:44 pm

    thanks for information to calculate asb…keep up goods info wasalam

  29. #34 by cbs on March 1, 2009 - 11:53 am

    kalau simpanan tak sampai 10 tahun???macam na nak kira pula.??ish ish osh…im too young for 10 years calcalation lah…only 6 years…so,tak dapat kira lah,,,..

  30. #35 by cbs on March 1, 2009 - 12:05 pm

    mengikut yang ditetapkan..Pelaburan maximum ASB
    = RM 200,000.00.SO, jika ASB loan saya ialah 50,000 tambah simpanan saya ialah 150,000.00…adakah kiraan dividen dann bonus ASB masih diagihkan?ataupun mati di situ sahaja?

    • #36 by Nizami on March 6, 2009 - 10:20 am

      The limit is 200k, so if you have >200k, then the calculated balance for interest and bonus will be based on 200k only.
      So, it is advisable for you to withdraw the excess and invest it in another fund, ASW or ASD.

      Hanya 200k sahaja yg dikira untuk dividen dan bonus ASB.

      • #37 by OM on May 6, 2009 - 12:02 pm

        that’s not true sir. the interest and bonus are based on the available amount in the ASB account.

        say u have 250k (basic plus div after some years) from Jan 08 to Dec 08, and with 8% interest, the div obtained in Jan 09 will be 20k (ie. [250k*12]/12*8%).

        200k is the limit anyone can deposit, but not the base of calculation (div & bonus). hope im right.

        • #38 by DM on May 5, 2010 - 3:42 pm

          yes, you’re right OM….
          I already call and ask confirmation from PNB….for detail you can call PNB

  31. #39 by momo on May 31, 2009 - 9:51 am

    Hi,
    just want to ask..
    if i deposit some money early of the month n withdraw it middle of the month..and deposit again end of month..will i get any monthly dividen for this case?

    How ASB calculate the monthly dividen actually?

  32. #40 by men on June 25, 2009 - 11:47 am

    Hallo friend,i understand that the max for asb investment is 200k.ok let say i simpan 200k lam sam dalam account asb saya,so how much diveden and bonus i can get? and how i want to bonus and diveden rates for a year.pls help me to answeer this.

  33. #41 by su on July 11, 2009 - 8:47 pm

    saya nak tau berapa dividend rates yg terbaru?

  34. #42 by aziz on July 22, 2009 - 11:55 pm

    Salam,
    wan, what your sugestion for start investment with loan 10k for ASB

    • #43 by superstar 1112 on January 4, 2010 - 12:03 pm

      alang2 melabur biar berbaloi..
      asb bagus..
      tapi terhad untuk 200k jer..
      walaubagaimana pun
      aku ada plan untuk smua org boleh bt ms nie mmg terbaik..
      tiada limit mcm asb.
      simpan 10tahun(10 kali je) then dpt return spanjang hayat…
      just call 012 302 4923

  35. #44 by hafiz on August 3, 2009 - 1:04 pm

    pleaze pay anttention to all consumers..
    skrg nie..Ambank group tlah mnawarkan plan yg more better than ASB..btoL ke nie??
    YES it is..
    it is caLL AmFlexi..
    di mana simpanan akan di laburkan ke daLam bond(70%) & equity(30%)..
    mcm asb..kseluruhan duit pemegang akaun akn dilaburkan ke dalam 100% equity..
    equity fund mrupakan dana yg mmpumyai risiko yg amat tnggi utk mngalami kerugian..(spt unit trust n pubLic mutual)
    Wlupn keuntungan adalah tinggi..

    Bond mrupakan dana yg diselenggara dibwah Bank Negara..
    da keuntungan adalah tinggi serta risiko adalah sederhana.
    Amflexi juga mnawarkan free protection serta up to 3 generation!!
    nk taw lbih lanjut??
    contact me..
    muhammad hafiz bin tajuddin
    0134318120

  36. #45 by nock on October 6, 2009 - 4:12 pm

    hi irwan… saya nak tanya apabila kita melabur dengan asb adakah kita ada komitment dengan income tax?

  37. #46 by nock on October 6, 2009 - 4:13 pm

    apabila kita melabur dengan asb adakah kita akan ada komitment dengan income tax?

    • #47 by Irwan on October 7, 2009 - 9:27 am

      Hi nock, saya pun kurang pasti. Tp biasenye utk pelaburan, kite kene declare sendiri bile file utk income tax.

  38. #48 by Myra on October 8, 2009 - 8:59 am

    Hi Irwan,

    your calculation example is based on mthly fixed investment..mcmana kalau i tak invest on mthly basis, i.e sthn, dlm 4,5 kali with different amount in every different month.How to calculate?

  39. #49 by matz on October 31, 2009 - 11:39 pm

    assalam-kum irwan,

    saudara i nak loan asb but i takut blr naik mendadak , so apa u punya solution untk cover installment ,long period loan 20 years. plz help to ur friend

  40. #50 by mr haz on November 25, 2009 - 9:05 pm

    i ve made asb loan which is rm100 000.., i ve to pay rm612 per month including insurance for 20years.. in my plan.., i want to make another loan after one year which is also rm100 000..
    i m going to pay the loan by using the dividen from the first “rm100 000″.. so here i need ur opinion to make my plan btter.. n could u help me in calculating the total money that i ll get after 20 years..?

  41. #51 by Karim on December 8, 2009 - 3:16 pm

    Anda mengguna loan yg mengandungi elemen riba untuk untung besar…

    Renung2kan..

  42. #52 by EMA on December 9, 2009 - 1:20 pm

    KLU SY NAK CANCEL ASB CMNE LAK

    • #53 by superstar 1112 on January 4, 2010 - 11:52 am

      org lagi nk mnyimpan. ko pulak lg nk cancel..
      insaf la beb..
      lepas dh bersara mcm mn nk idup..
      aku ada plan untuk smua org bt ms nie mmg terbaik..
      simpan 10tahun(10 kali je) then dpt return spanjang hayat…
      just call 012 302 4923

  43. #54 by easyRHB on December 15, 2009 - 11:24 pm

    assalammualaikum.
    nway ckp pasal asb right aku nak offer korg utk ASB LOAN dari RHB bank. Dari Rm10ribu hingga Rm100ribu

    tapi yang bestnye loan frm Easy RHB nie, utk 5tahun pertama just bayar bunga sahaja..selepas 5thn baru bayar duit pokok pulak. tapi start dari tahun pertama dah boleh makan dividen.
    so sapa2 berminat boleh la call saya 0173452840/saufi.

    syarat2 mudah saja
    Mykad serta ASB buku sahaja. Loan dlm 15min boleh tahu lulus or tidak. cepat beb

  44. #55 by yusof on January 3, 2010 - 10:19 pm

    Salam!, saya bukan bertujuan menghentam Bank, cuma bagi sedikit gambaran kepada orang ramai tentang pilihan2 yang ada…Dalam hal meminjam untuk melabur dalam ASB banyak syarat2 yang tidak dimaklumkan kepada peminjam.
    1) jika sekiranya peminjam gagal menjelaskan bayaran adakah bunga masih dikenakan?.
    2) Sebelum saudara/i membuat keputusan untuk meminjam, coba kira jumlah pembayaran = Bulanan RM x jumlah bulan melangsaikan hutang. (Tidak termasuk perkara 1) bunga dikenakan diatas kelewatan pembayaran.
    3)Pulangan ASB tidak dijamin…(Trend pulangan menurun)

    Pada saya adalah lebih elok mendisiplinkan diri menabung walaupun sedikit. Jika saudara/i bercadang menyimpan untuk jangkamasa lebih 3 tahun, timbangkan untuk melabur dalam Unit Trust. Dapatkan khidmat Consultant yang betul-betul jujur dan transparent. Insyaallah pulangan melebihi apayang ditawarkan ASB… Jika tidak apa pilihan anda?

  45. #56 by lyana on January 4, 2010 - 10:56 pm

    asb utk org bumiputera. org bukan bumi berebut2 nak masuk asb..tapi takdapat.. sehingga guna nama org bumiputera utk buat loan asb.. anda fikirlah sendiri.. ianya memang menguntungkan..

  46. #57 by siti on January 9, 2010 - 1:57 pm

    Let’s say that you just invest for 4 years (48 months) and your average monthly balance for the past 48 months is $1000.

    1)saya nak tanya, mana dapat $1000?
    2-boleh ajar lebih detail lagi tak?

  47. #58 by kingv6 on January 14, 2010 - 12:16 pm

    Hi,

    Need advise here..
    Which is more profitable, Option1 or Option2?
    Is the Dividen & Bonus calculation the same for both options?

    Option1
    ASB loan: rm50k
    Loan tenure: 25 years
    Monthly inst: rm263

    Option2
    Manually deposit into ASB book: rm263 (every month)
    Duration: 25 years

    Awaiting reply.
    Tks

    • #59 by Zaudan on January 21, 2010 - 9:59 pm

      hi…
      just to share but i also confuse
      In my opinion…

      Option one is more profitable…
      That because ur minimum monthly balance is always RM 50000 from month 1 to 12..for 25 years if ur takeout the interest portion…

      If u select option 2, ur minimum monthly balance will be 263 in 1st month,526 in second and so on…
      So the dividend very low…not as much as option 1…

  48. #60 by kamal on January 19, 2010 - 1:32 pm

    saya nak bertanya bagaimana sekiranya membuat asb loan….ada ke benda tu boleh mendapat benefit or membebankan.

  49. #61 by COINA on January 20, 2010 - 11:22 pm

    just nk kongsi ngan sume..ada byk perkara2 yg kita perlu ambik tahu sebelum membuat atau dalam erti kata lain “mengunakan” loan bank untuk melabur dalam asb.Terdapat
    byk perkara yg dsembunyikan oleh pihak bank untuk ‘perkhidmatan’ ni..e.x interest yg dikenakan kpd pelaggan sekiranya gagal menjelaskan bayaran setiap bulan(xkan nak guna dividen asb untuk byr semua 2,cne nak tingkatkan dividen yg kita perolehi dalam tahun2 berikutnya,kalo cm ni better korg simpan sendiri tiap2 bulan)
    ak tahu lg lanjut emel kat aku kenari86@yahoo.com.my

  50. #62 by zarina on January 22, 2010 - 9:40 am

    tahu tak kat mana ASB melabur? Sy pun nak kongsi pengalaman sy p ke pusat zakat ada seorang pembayar zakat nak byr dividen yg diperolehi masa dia smpn dlm ASB tapi pusat zakat tak leh terima sebab ASB bukan plbrn syariah islam so lu pikirlah sendiri sbb kita nak smpn mesti nak pergi haji tolong mak ayah hantar p haji ke kalau tak berkat plbrn kita camana yek? So kwn2 blhlah melabur ikut syariah islam yg byk skrg dlm erti kata lain Unit Trust blh emel sy nizareen@yahoo.com

  51. #63 by 2bz4money on January 25, 2010 - 1:25 am

    Semalam saya diterangkan mengenai Easy ASB, produk loan dari RHB di Tesco Kajang. Katanya BLR-1. Insuran tak compulsory. Katanya lagi boleh max 200k asb cert utk loan dan 200k utk buku. Betul ke? Nampaknya oficer rhb ni pun tidak jelaskan pasal lock in period?

  52. #64 by weena on February 3, 2010 - 9:01 pm

    saudaraku muslimin muslimat, ASB is non Shariah compliance, macamana kalau penat2 simpan duit tapi duit tu tak bersih. Bila ada opportunity yang Shariah compliance, grab the opportunity. Unit Trust ada macam2 product Islamic Compliance. My own experience, I have doubled my savings in 5 years, hardly to get kalau i simpan dalam ASB..

    • #65 by Mencarihalal on October 15, 2010 - 4:38 pm

      Weena dapatlah kiranya kongsikan Unit Trust yg weena masuk…dan caranya yg weena katakan “doubled” tu…krn masih ada muslimin n muslimat yg masih t’cari2 invsmt yg tol2 shriah compliance ni… semoga bermanfaat utk semua..

  53. #66 by Sariy on March 3, 2010 - 10:48 am

    Just want to ask if anyone know what is the ASB dividend rate for 2010?

  54. #67 by sil on March 9, 2010 - 7:58 pm

    sy hak tanya mengenai laon ASB RM20,000, bayar bulanan RM378 masa tempuh laon sy 5tahun sahaja, berapakah bunos tiap-tiap tahun?

  55. #68 by cikon on March 14, 2010 - 10:49 pm

    Nak kira tak salah mcm nie… Jumlah semua duit yang ada di dalam akaun dibahagi dengan 12… kemudian di darap dgn 0.07 kalau rate 7 %

  56. #69 by Farid B. Bahri on April 3, 2010 - 12:19 pm

    Refer to Weena`s comment on 3rd February 2010..
    Just nak kongsi info…
    Kita semua sedia maklum…hukum asb nie ada dua pendapat..majlis fatwa kata harus, tapi suruhanjaya sekuriti kata haram….mana satu yang kita nak ikut???Tepuk dada, tanyalah diri masing-masing…cuma saya nak kongsi sket…kalau suruhanjaya sekuriti kata haram…kenapa masa diadakan minggu amanah saham ( maksam ), suruhanjaya pun ada bukak kedai skali???naper tak boikot jer maksam tu…minta wakil dari suruhanjaya bagi penjelasan…tq…

  57. #70 by Farid B. Bahri on April 3, 2010 - 12:23 pm

    Refer to zarina`s comment on 22 january 2010..
    Just nak konsi info…
    Saper yang gi pejabat zakat nak bayar zakat, tapi pegawai tu taknak terima…awak atau member atau orang yang awak sdr tak kenal???Untuk makluman, saya baru bayar zakat pendapatan semalam…bila nak bayar zakat ASB, pegawai tu taknak sebab belum cukup nisabnya…untuk makluman juga…bayaran yang kita buat tiap-tiap bulan ( simpan sdr atau loan payment ), wajib zakat jika cukup nisabnya…itu dipanggil zakat simpanan…faedah dan dividen yang kita dapat tiap2 tahun, wajib zakat jika cukup haulnya…tq…

  58. #71 by Azfar on June 28, 2010 - 2:22 pm

    Hi,

    Currently invested RM200k, started just this month. My wife also is doing the same plan. Based on the 7/2 principle on investing in ASB with calculation of just 7% dividen 2% bonus calculation within 11-12 years we manage to be millionaire couple with owing the bank monthly about RM1234.00 individually. we made the 1st contract of RM50K for 15 years loan and the following contract RM150k for 25 years loan. After 15 years we have only have to commit about RM860.00 individually to our loan commitment.
    I’ve found that this is a best way to get a retirement get away. Due by the time we retired we would have the bonus of our pension plus the ASB saving that would accumulate up to 1 million each. About House loan and car loans its covered in our total household income, about our 3 under 7 year old children future, education insurance policy is backing us up. overall we have balance about RM3K monthly balance of household income and it is increasing yearly, and RM30K in savings account to back us up in case or emergencies (were thinking of putting it in FD)…Note we are gov servants in the early thirties.

    So what do u think of the plan to be a couple of millionaire after 10-11 years, the safest way with the least risk…And the best part is paying the cost of lending of RM125K minimum at total individually with intention to settle it as it is by contract.

    Of course the loan is insured and will be willed to our children by end of this year.

    Funny thing about 7/2 (7% dividen / 2% bonus)is i thought it was 7 years for 2 person. but fits the scenario as well lol.

  59. #72 by lieza on July 7, 2010 - 3:45 pm

    sya ada bt loan asb di maybank..
    ok sya bt loan rm 10,000.00 dlm msa 20 thn..tiap2 bln sya byr rm 63.00.mcm mna kiraanya?bonus & dividen?
    ( dividen + bonus )maybank ckp dibayar 8.75%.

    bila kita habis byr dlm tmpoh 20 thn,kta akan dapat duit rm 10,000.00 tue ker?

    sya kurg phm msa wakil mybank ada menawarkan pda sya asb.ketika itu sya mahu cepat,jd sya setuju je.

  60. #73 by Glittlerobot on August 16, 2010 - 4:18 am

    why mystery?get ur answer…i will tell you the solution..call me..0133927324

  61. #74 by Kimi Rekonen on August 30, 2010 - 4:45 pm

    tahun berapa agak2 dividen ASB

  62. #75 by Mencarihalal on October 15, 2010 - 4:22 pm

    weena :saudaraku muslimin muslimat, ASB is non Shariah compliance, macamana kalau penat2 simpan duit tapi duit tu tak bersih. Bila ada opportunity yang Shariah compliance, grab the opportunity. Unit Trust ada macam2 product Islamic Compliance. My own experience, I have doubled my savings in 5 years, hardly to get kalau i simpan dalam ASB..[Reply]

    weena :saudaraku muslimin muslimat, ASB is non Shariah compliance, macamana kalau penat2 simpan duit tapi duit tu tak bersih. Bila ada opportunity yang Shariah compliance, grab the opportunity. Unit Trust ada macam2 product Islamic Compliance. My own experience, I have doubled my savings in 5 years, hardly to get kalau i simpan dalam ASB..[Reply]

    Dear Weena, dapatlah kiranya “list”kan islamic Unit Trust yang weena masuk….
    masih ada saudara2 muslimin muslimat yg masih tercari2 invsmt yg tol2 Shariah compliance ni…

    p/s “pahala org yg menunjukkn kpd kebaikan, sama seperti org yg melakukannya..”

  63. #76 by Avex87 on October 28, 2010 - 12:04 pm

    thank you

  64. #77 by Upleasure99 on November 30, 2010 - 6:58 am

    macam mana nak kira kalau saya buka tahun 1990 untuk RM1000 and 8 tahun kemudian saya tambah duit, dan 2 tahun kemudian saya tambah duit lagi. Macam mana nak kira bonus?

    Adakah mereka akan ambil jumlah pelaburan yang sekarang atau ambil pada Tahun 1990 iaitu RM1000??

  65. #78 by Nurilam_hijrah on December 4, 2010 - 11:52 pm

    lets say we saving rm10 010 from january untill november than we withdraw rm10 000 end of november left rm10.Do we still get the dividen for that 10 000 for 11 month.

  66. #79 by PAM on December 21, 2010 - 7:43 pm

    jawpan paling senag…just wait until 3rd january then update..then u all will know how much u will gt…hehehehhe

  67. #80 by PutraMalaya on December 25, 2010 - 2:45 pm

    nice

  68. #81 by Ken Master on December 27, 2010 - 4:04 am

    Aku ada ambik asb loan ngn maybank. Aku advice sape2 yg nak menggandakan investment asb dia adalah ngn cara pinjaman. kita akan dapat dua kali ganda atau lebih dividen compare dgn kita simpan tiap2 bulan. Pada perhatian aku maybank is the best bank provide asb loan compare wth other bank…..If you want to know more just contact me guy_legion@yahoo.com

  69. #82 by Ken Master on December 27, 2010 - 4:13 am

    You still get dividen even you withdraw all your money end of november.
    10010 x 11 = 110110
    110110/12 = 9175.83 ( Your monthly Average)
    If ASB dividend 7.5%
    9175.83 x 0.075 = 688.18

    Your will get Dividend RM 688.18

  70. #83 by Ken Master on December 27, 2010 - 4:30 am

    ASB dividend calculate by monthly average…

    1.Mula2 anda kena tahu berapa amount duit pada setiap akhir bulan (31hb or 30hb).
    2.Jumlah kan semua amount akhir bulan tadi untuk setahun.
    3.Bila anda dapat jumlah untuk setahun (12 bulan), bahagikan jumlah itu kepada 12. Anda akan dapat purata simpanan anda untuk setahun.
    4.Darapkan purata bulanan kepada % dividen asb. Anda akan dapat dividen anda.

    Total end month amount 12 month (for 1year) / 12 = Monthly Average
    Monthly Average (setahun) x ASB % = Dividen ASB

  71. #84 by Ken Master on December 27, 2010 - 4:34 am

    Oleh kerana dividen diagihkan pada setiap akhir tahun maka pengiraan hanya boleh dibuat untuk setiap tahun. Maka anda perlu guna formula ini untuk mengira dividend anda pada setiap tahun ini kerana % ASB pada setiap tahun adalah berbeza.

  72. #85 by Ken Master on December 27, 2010 - 4:36 am

    Pada akhir tahun setiap tahun (31 Disember)

  73. #86 by mimi on December 30, 2010 - 12:38 pm

    kalau yang kerap bawa keluar asb macam mana pula.. sy student finance. tapi blur bab2 ni..

  74. #87 by Khairilaswan on January 11, 2011 - 2:49 pm

    Salam semua,

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    Nikmati perolehan dividen secara MAKSIMUM dengan membuat Pinjaman Pelaburan ASB dengan EASY RHB..

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  75. #88 by triplemz83 on January 25, 2011 - 9:18 am

    mintak tolong kira dividen ASB saya bleh..baki unit pd tahun 2010 ialah rm6186.45
    berapakah dividen yg saya dpt?sbb bile update sy hanya peroleh pendapatan nye sebyk rm275.36 shj..mcm sket je plak

  76. #89 by Niksufian90 on April 5, 2011 - 9:03 am

    i think u will not get the divident from your investment. this is because asb will update it account at the end of the year.for further information u can get from any bank that provide Asb investment………..

  77. #90 by Jutawan_bond on April 21, 2011 - 6:11 am

    Ambank is the best…35% last year….

  78. #91 by Lorrainejohn on May 18, 2011 - 4:41 am

    Saya tidak pernah menambah tabungan sejak 2007 dan baki akaun simpanan saya hanya RM20.00 dan saya juga tidak pernah mengeluarkan apa-apa pemberian dari ASB sehingga kini, tetapi bonus yang saya terima kecil.  Saya bandingkan dengan rakan sekerja yang juga tidak menambah caruman ASB sepanjang tempoh yang sama, ter tapi setiap tahun dia menerima bonus sebanyak RM57.00 ke atas.  Dia juga mengeluarkan setiap sen bonus yang diterima setiap tahun dan meninggalkan baki sebanyak RM14.00 untuk kiraan tahun berikut.  Adakah ASB menetapkan sebarang kod atau kuota atas pembahagian bonus.  Saya hanya mendapat RM0.75 sen sedangkan saya tidak pernah mengeluarkan tabungan kecuali ada membuat tambahan simpanan.  Mohon penjelasan adakah baik kami meneruskan tabungan dengan sistem pembahagian bonus yang tidak selari kepada penambung.

  79. #92 by Sunny on July 16, 2011 - 4:27 pm

    I don’t know about ASB clearly.If anyone inform me about this I wiill be greatful.
    Thanks
    rift platinum

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