Amanah Saham Bumiputera

Maybank sasar menjual RM120juta saham ASB

2012-04-24T00:16:00.001-07:00

KOTA KINABALU 20 April - Malayan Banking Bhd. (Maybank) yang merupakan ejen terbesar dan terbanyak dalam agihan jualan unit Amanah Saham Bumiputera (ASB) menyasarkan untuk meningkatkan jualan unit amanah itu kepada RM120 juta sepanjang 10 hari berlangsungnya Minggu Saham Amanah Malaysia (MSAM) 2012.

Presiden dan Ketua Pegawai Eksekutifnya, Datuk Seri Abdul Wahid Omar berkata, jualan itu menyaksikan peningkatan sebanyak 20 peratus berbanding yang dijual sebanyak RM100 juta pada MSAM di Perak tahun lalu.

''Sasaran ini tinggi dan kami yakin dengan pakej terbaik yang kami ada, Maybank mampu mencapai sasaran tersebut," katanya ketika ditemui selepas pelancaran kad debit Manchester United di tapak pameran MSAM 2012 di sini hari ini.

Abdul Wahid berkata, Maybank kini menguasai 70 peratus jualan ASB di kalangan ejen-ejen yang dilantik oleh Amanah Saham Nasional Bhd. (ASNB).

Selain Maybank, ASNB juga melantik beberapa bank lain sebagai ejennya termasuk CIMB Bank dan RHB Bank serta semua pejabat Pos Malaysia.

Bagaimanapun, Abdul Wahid enggan mendedahkan jumlah keseluruhan jualan ASB oleh Maybank.

Mengulas mengenai segmen kad, beliau berkata, Maybank sedang agresif untuk meningkatkan penggunaan kad debit yang kini menyaksikan pertumbuhannya sebanyak 30 peratus dalam industri.

Katanya, berbanding dengan kad kredit, penembusan kad debit masih lagi perlahan.

''Sebagai peneraju dalam segmen ini, kami mahu meneroka potensi pertumbuhan kad debit dengan strategi-strategi yang ada," ujar beliau.

Tambah beliau, transaksi kad debit Maybank adalah sebanyak RM400 juta sebulan manakala kad kredit RM2 bilion.

PNB Melabur Dalam Hartanah Luar Negara

2012-04-11T06:51:00.001-07:00

KOTA BHARU 10 April - Langkah Permodalan Nasional Bhd. (PNB) membeli hartanah di luar negara adalah berikutan jangkaan bahawa ia memberi pulangan balik yang menguntungkan.

Presiden dan Ketua Eksekutif PNB, Tan Sri Hamad Kama Piah Che Othman berkata, sebelum ini, PNB menumpukan perhatian dalam bidang pelaburan ekuiti.

Hartanah yang dibeli di luar negara itu ialah Santos Place di Brisbane, Australia dan tiga lagi di London iaitu One Exchange di Liverpool Street, 90 High Holborn, dan Milton and Shire House di Silk Street, Central London.

"Dulu memang tumpuan dan fokus PNB hanya pada pelaburan ekuiti tetapi kini kami menceburi bidang hartanah kerana ia dijangka mampu memberi pulangan stabil," katanya kepada pemberita selepas merasmikan Forum Program Transformasi Ekonomi: Peluang dan Cabaran Wilayah Timur di sini hari ini.

Program itu dianjurkan Universiti Malaysia Kelantan (UMK) dengan kerjasama Majlis Profesor Negara (MPN).

Mengenai forum itu, Hamad Kama Piah, yang juga Pengerusi Lembaga Pengarah UMK, berharap gabungan tenaga pemikir dari kalangan profesor dan pakar ekonomi dapat membantu menjayakan program transformasi ekonomi Wilayah Timur.

Sementara itu, Ketua Kluster Ekonomi dan Pengurusan MPN Profesor Datuk Dr. Noor Azlan Ghazali berkata kira-kira 1,700 profesor yang menganggotai MPN dari semua pusat pengajian tinggi awam dan swasta di negara ini mampu memberi khidmat kepakaran dalam bidang masing-masing untuk memajukan ekonomi negara. - BERNAMA

Amanah Hartanah Bumiputera Beri 3.25% Pulangan!

2012-04-11T06:48:00.001-07:00

KUALA LUMPUR 10 April - Pelaburan Hartanah Bhd. (PHB) telah mengisytiharkan agihan pendapatan interim 3.25 sen seunit yang akan melibatkan anggaran pembayaran berjumlah RM32 juta kepada pemegang-pemegang Unit Amanah Hartanah Bumiputera (AHB) untuk tempoh enam bulan berakhir 31 Mac lepas.

Menurut anak syarikat Yayasan Amanah Hartanah Bumiputera (YAHB) dan Mayban Investment Management Sdn. Bhd. (Mayban Investment Management) itu, kadar itu bersamaan dengan 6.50 peratus kadar pulangan tahunan apabila ditanda aras terhadap pendapatan 12 bulan Akaun-i Pelaburan Am, Maybank Islamic Bhd.

Syarikat itu menyatakan, agihan pendapatan AHB, akan dibuat pada setiap enam bulan bagi tempoh berakhir 31 Mac dan 30 September setiap tahun dan pembayaran pertama tahun ini akan dikreditkan terus ke dalam akaun-akaun bank pemegang unit.

Kata syarikat itu lagi, pembayaran itu merupakan agihan pendapatan yang ketiga dibuat oleh AHB kepada pemegang-pemegang unit amanahnya dengan tahun lepas, sejumlah RM50 juta telah dibayar - RM19 juta untuk agihan pendapatan pertama dan RM31 juta untuk agihan pendapatan kedua.

Sejak diperkenalkan pada November 2010 oleh Perdana Menteri, Datuk Seri Najib Tun Razak, AHB telah mendapat sambutan menggalakkan dengan satu bilion unit telah dilanggan.

AHB adalah dana yang pertama seumpamanya ditawarkan di negara ini dengan menawarkan harga tetap RM1.00 seunit.

Ia merupakan dana unit amanah bersandarkan hartanah patuh syariah yang membolehkan pelabur-pelabur bumiputera menyertai pemilikan aset hartanah dengan pelaburan permulaan minimum RM500.

Dana itu telah mengisytiharkan agihan pendapatan pertamanya sebanyak 2.17 sen untuk tempoh kira-kira empat bulan berakhir 31 Mac 2011, dividen 3.25 sen seunit untuk tempoh enam bulan berakhir 30 September 2011.

Untuk tempoh enam bulan berakhir 31 Mac 2012, agihan pendapatan interimnya ialah 3.25 sen seunit (bukannya RM3.25 sen seperti yang dilaporkan akhbar hari ini).

Pengarah Urusan dan Ketua Pegawai Eksekutif PHB, Datuk Kamalul Arifin Othman berkata, PHB kini sedang berusaha mengembangkan saiz dana itu bagi memupuk kesaksamaan pemilikan bumiputera dalam bidang hartanah komersial perdana di negara ini.

Beliau berkata, untuk memastikan portfolio PHB kekal kompetitif, inisiatif-inisiatif yang padu telah dilaksanakan secara aktif untuk memperoleh gabungan hartanah-hartanah yang lebih dinamik.

"Kami juga telah melancarkan aktiviti-aktiviti seperti Program Peningkatan Aset untuk menambahbaik bangunan-bangunan kami bagi memastikan portfolio-portfolio di bawah PHB terus mengekalkan tarikan dan nilainya di dalam pasaran," katanya dalam kenyataan akhbar.

AHB diuruskan oleh Mayban Investment Management, ditaja oleh PHB sementara pemegang amanah Dana ini adalah AmanahRaya Trustees Bhd..

Bank Rakyat Beri Pulangan 20% kepada pemegang saham

2012-03-25T23:34:00.001-07:00

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.

Rekod Pendapatan Agihan Amanah Saham Bumiputera

2012-03-23T20:23:00.001-07:00

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?

2012-03-23T20:20:00.001-07:00

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

2012-03-23T20:11:00.001-07:00

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?

2012-03-23T20:03:00.001-07:00

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

2012-03-23T19:57:00.001-07:00

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

1. Application form
2. Photocopy of Identity Card
3. Photocopy of latest 3 months pay slip/other proof of income e.g : Bank account statement
4. 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.

Dividend 7.65 sen for ASB 2011

2011-12-19T16:22:00.001-08:00

KUALA LUMPUR: Amanah Saham Bumiputra (ASB) unitholders will receive a dividend of 7.65 sen per unit for the financial year ending Dec 31, 2011 compared with 7.5 sen last year.

The 7.3 million unitholders, who currently hold over 95.9 billion ASB units, will also receive a bonus of 1.15 sen.

Permodalan Nasional Bhd (PNB) chairman Tan Sri Ahmad Sarji Abdul Hamid said the income distribution portion involved a total payout of RM7.04bil and the bonus portion RM628.29mil.

Up to last Thursday, he said, the scheme registered a gross income of RM7.19bil.

“Dividend income from investee companies contributed RM4.09bil, or 56.9%, of the gross income and profit from the sale of shares contributed RM2.25bil or 31.3%,” he told a media briefing here yesterday.

He said the remaining 11.8%, or RM0.85bil, was derived from investment in short-term instruments and other investments.

Ahmad Sarji said the income distribution and bonus would be automatically credited into the respective unitholder's account and unitholders could update their accounts beginning Jan 3 next year.

“All transactions for ASB will be suspended beginning Dec 21, 2011 until Jan 2, 2012 to facilitate the calculation of income distribution and bonus,” he said.

He said the ASB's performance during the year was satisfactory even in the last quarter of this year, with the stock market performance influenced by the US economic uncertainty and Europe's debt crisis.

Meanwhile, its president/chief executive officer Tan Sri Hamad Kama Piah Che Othman said PNB would make sure it would continue to not only pay dividend every year but also to create growth for the future.

On the takeover of SP Setia Bhd, he said PNB was still awaiting approval from the Securities Commission (SC).

“We have submitted it to the SC and are now waiting for its approval,” he said.

On the progress of the Menara Warisan project, he said: “PNB has submitted the design order to the authorities and we will announce it when we get approval.” - Bernama

6.35 sen dividend for ASW 2020

2010-08-26T05:41:00.001-07:00

KUALA LUMPUR: Amanah Saham Nasional Bhd (ASNB), a wholly-owned subsidiary of Permodalan Nasional Berhad (PNB), today announced an income distribution of 6.35 sen per unit for Amanah Saham Wawasan 2020 (ASW 2020) for the financial year ending Aug 31, 2010.

PNB chairman Tun Ahmad Sarji Abdul Hamid said the income distribution will involve a total payout of RM777.53 million, up 32.30 per cent, compared with the previous year's total payment of RM587.70 million.

He said 892,825 unitholders, who currently hold 13.1 billion ASW 2020 units, will benefit from the payout.

For the 11 months between Sept 6, 2009 and Aug 6, 2010, the fund received a total of 20,226 new account holders, while net investments received during the year increased by 2.09 billion or 18.98 per cent, he told a media conference.

As of Aug 6, ASW 2020 recorded a gross income of RM887.05 million, profit from the sale of shares contributed RM454.57 million or 51.20 per cent, dividend income from investee companies totalled RM290.99 million or 32.80 per cent and RM141.49 million or 16 per cent is derived from investment in short-term instruments and other income, he said.

Ahmad Sarji said the income distribution calculation this year will be based on the average monthly minimum balance held throughout the financial year from Sept 1, 2009 until Aug 31, 2010.

The income distribution will be reinvested in the form of new units and will automatically be credited into the unitholders' account on Sept 1, he said.

All ASW 2020 transactions will be suspended from Aug 25 to Aug 31 to facilitate the income distribution calculation.

Unitholders will be able to update their accounts at ASNB head office; ASNB branch offices; or ASNB agents from Sept 1.

Investors who participated in ASW 2020 through the Employees Provident Fund (EPF) Members Investment Scheme will have their income distribution credited directly into their EPF accounts.

ASW 2020 unitholders will receive their income distribution statements together with the fund's annual report beginning mid-October.

ASW 2020 is an all-Malaysian fixed price equity fund. Fifty-one per cent of its shares are for Bumiputeras while 49 per cent for non-Bumiputeras aged six months and above. - BERNAMA

PNB umum dividen ASB 7.30 sen

2009-12-14T15:16:00.001-08:00

KUALA LUMPUR: Permodalan Nasional Berhad (PNB) hari ini mengumumkan agihan pendapatan skim Amanah Saham Berhad (ASB) sebanyak 7.30 sen bagi tahun kewangan berakhir 31 Disember 2009 berbanding 7.00 sen tahun sebelumnya.

Demikian diumumkan Pengerusi PNB, Tun Ahmad Sarji, di sini sebentar tadi. Ia membabitkan pembayaran dividen RM4.95 billion kepada pemegang unit, meningkat 19.56 peratus berbanding RM4.14 bilion tahun kewangan sebelumnya.

PNB juga mengumumkan pembayaran bonus 1.25 sen, membabitkan nilai RM537.65 juta. "Pembayaran itu akan memberi manfaat kepada 6.78 juta pemegang unit yang kini melanggan RM70 bilion unit ASB," katanya.

More Goodies from Amanah Saham

2009-01-02T03:53:00.001-08:00

Where do they get all this money from? Azmi

ASB ANNOUNCED 7.00 SEN PER UNIT OF INCOME DISTRIBUTION AND BONUS OF 1.75 SEN PER UNIT

KUALA LUMPUR – Amanah Saham Nasional Bhd (ASNB) , a wholly-owned subsidiary of Permodalan Nasional Berhad has announced an income distribution of 7.00 sen per unit and a bonus of 1.75 sen per unit for Skim Amanah Saham Bumiputera (ASB) for the financial year ended December 31 st, 2008 .

The income distribution portion will involve a total payout of RM4.22 billion, almost equal to the allocation made for ASB income distribution in 2007.

The bonus portion will involve a total payout of RM678.03 million by PNB .

PNB Chairman, Tun Dato' Seri Ahmad Sarji said, the payment will benefit 6.56 million unit holders which currently hold 62 billion units of ASB.

Tun Ahmad Sarji said 2008 is a challenging year for the ASB fund manager as evidenced by the equity market which saw a drop of 40.85 percent in the benchmark KLSE CI during the year following the credit and financial crisis in the developed nations.

Notwithstanding the above scenario, the discipline and prudence practiced by the ASB fund manager has helped to produce an encouraging performance of the fund.

Up to December 10 th, 2008 , ASB has recorded a gross income of RM5.14 billion. Dividend income from investee companies contributed RM3.12 billion or 60.71 percent of the gross income, and profit from the sale of shares contributed RM1.58 billion or 30.75 percent. The rest of the income at 8.54 percent or RM439 million is derived from investments in short term instruments and other investments.

The calculation of the income distribution is based on the average monthly minimum balance held throughout the financial year of ASB ending December 31 st, 2008 . The calculation of the bonus on the other hand is based on the average monthly minimum balance held by the unit holders in the past ten years, starting from 1999 up to 2008.

The income distribution and bonus will be automatically credited into the respective unit holders' accounts. Unit holders will be able to update their accounts beginning January 2 nd, 2009 .

All transactions for ASB at ASNB head office, ASNB branch offices and agents will be suspended on December 19 th, 2008 until January 1 st, 2009 , to facilitate the calculation of income distribution and bonus.

ASB is a fixed price equity income fund, opened for Bumiputera aged 12 years and above. This fund is aimed at generating long term, consistent and competitive returns to the unit holders whilst ensuring the preservation of capital at minimal risk tolerance level.

PNB increase stake by acquiring another 43,000 Maybank shares

2008-12-26T19:02:00.000-08:00

26-Dec-08

MALAYAN BANKING BERHAD

MAYBANK

43,000

Permodalan Nasional Berhad

289,477,808

PNB increase stake by acquiring another 43,000 Maybank shares.

PNB now owns 289,477,808 shares of Maybank. Closing price on 26/12/08 was RM5.15 per share.

ELIGIBILITY REQUIREMENT FOR INVESTMENT IN ASB

2008-12-24T20:38:00.001-08:00

Here's some info on who can invest in ASB. Got it from PNB website. As a short-cut rather than having to go to PNB's website.

ELIGIBILITY REQUIREMENT FOR INVESTMENT IN SEKIM AMANAH SAHAM NASIONAL, AMANAH SAHAM NASIONAL 2, SKIM AMANAH SAHAM BUMIPUTERA AND AMANAH SAHAM DIDIK BY MINORITY GROUP

Eligible Minority Group are as follows : -

Siamese
Portuguese
Indian Muslim
Mix Native of Sabah
Mix Native of Sarawak
Permanent Resident of Singapore ( Malay Citizen )
Born Outside Malaysia
(i) New Identification Card with country birth code number 60 – 93
(ii) Old Identification Card with starting number 8, 9, H6.., K8.. and K9...
Muslim Convert – Malaysia citizen

1. Document Needed for Siamese, Portuguese and Mix Native of Sarawak

Copy of Applicant Birth Certificate and Identity Card
Copy of Applicant's Father Birth Certificate and Identity Card - Paternal grandfather (if father is born after 1957) (as proof of Domicile)
Copy of Citizenship Certificate - If applicant or father was born overseas (Date on the Citizenship Certificate does not exceed 31 August 1967)

Portuguese Only
Borang Sulit must be produced - Approval from Regedor must be obtained.

Note : If father or paternal grandfather are already qualified, applicant are not required to fill in ”Borang Sulit” but the confirmation letter that specifies their eligibility to invest in ASNB unit trust or their accounts number must be attached to the application.

2. Document Needed for Indian Muslim, Permanent Resident of Singapore (Malaysia Citizen), Muslim Convert, Born Overseas and Mix Native of Sabah

Copy of Applicant Birth Certificate Identity Card
Copy of Applicant's Father Birth Certificate and Identity Card - Paternal grandfather (if father is born after 1957) (as proof of Domicile)
Copy of Citizenship Certificate - If applicant or father was born overseas (Date on the Citizenship Certificate does not exceed 31 August 1967)

Mix Native of Sabah Only
Confirmation letter from Pejabat Hal Ehwal Anak Negeri Sabah (PHEANS) need to be obtained.

ELIGIBILITY MATRIX TO INVEST FOR SABAHAN

Reminder :
All photocopy documents must be certified true copy by Group A Officer of Civil Servant/Professionals; or ASNB Officer or Ketua Kampung.

Note:

Anyone who invest in any ASNB product does not meant the person is Bumiputera.
Applicant will be sent a notification letter if they are eligible to invest in ASNB Unit Trust ASNB.
Proof of Domicile = Proof applicant/ father/ mother/ grandfather/ grandmother was in Federation since Merdeka Day (31 August 1957)

Where to Apply
ASNB Headquarters Kuala Lumpur or ASNB Offices.

Latest News Dec 2008 : PNB Will Not Invest Overseas

2008-12-23T00:05:00.001-08:00

PNB Will Not Invest Overseas... Good!

KUALA LUMPUR 22 Dis. - Permodalan Nasional Bhd. (PNB), firma pelaburan terbesar di negara ini, belum bercadang menggunakan dana-dana pelabur tempatan untuk dilaburkan ke luar negara.

Presiden dan Ketua Eksekutifnya, Tan Sri Hamad Kama Piah Che Othman berkata, polisi PNB yang membenarkan para pelaburnya mengeluarkan wang pada bila-bila masa merupakan salah satu faktor yang menyukarkannya untuk berbuat demikian.

''PNB bukan tidak mahu menggunakan wang dana pelaburan rakyat tetapi kita perlu faham bahawa PNB adalah institusi unik yang membenarkan para pelaburnya mengeluarkan wang pada bila-bila masa,'' katanya ketika ditemui baru-baru ini.

Jelas beliau, sekiranya PNB melaburkan dana orang ramai ke luar negara, PNB akan menghadapi masalah sekiranya pelabur hendak mengeluarkan wang masing-masing, selain pelbagai masalah lain seperti pertukaran mata wang serta risiko yang tinggi.

Oleh sebab itu, tambah beliau, PNB tidak mahu mengambil sebarang risiko sebaliknya perlu mengutamakan pulangan dan perlindungan terhadap risiko kecairan pelaburan.

Ditanya tempoh masa PNB bersedia melaburkan dana tersebut ke luar negara, Hamad Kama Piah berkata: ''Ini bukan soal masa tetapi keutamaan PNB sekarang adalah memastikan sama ada sebarang tindakan (pelaburan) mendatangkan kebaikan kepada dana atau sebaliknya''.

Beliau tidak menafikan ada kebaikan menggunakan dana pelabur untuk pelaburan luar negara tetapi risikonya juga tinggi.

''Sebab itu, sebelum membuat sesuatu keputusan pelaburan PNB mengambil kira semua aspek berkenaan kerana pada akhirnya kita perlu memastikan bahawa PNB mampu memberi pulangan kepada pelabur.

''PNB tidak boleh gagal menguruskan dana para pelabur, jadi kita perlu memastikan PNB betul-betul bersedia, baru kita boleh membawa pelaburan tempatan ke luar negara,'' kata beliau.

Sementara itu, Hamad Kama Piah berkata, PNB sedang membuat persiapan untuk berhadapan dengan situasi ekonomi yang dijangka terjejas pada tahun depan.

''Dalam aspek ini kita perlu mengakui, keadaan ekonomi yang tidak menentu dijangka turut akan menjejaskan pendapatan syarikat-syarikat kita.

''Sebab itu PNB perlu bersiap sedia untuk memastikan syarikat-syarikat PNB ini masih mampu memberi pendapatan kompetitif meskipun dalam keadaan sukar,'' ujarnya.

Discontinuing The Gift of Free Unit Pokok for New Unitholders of ASB

2008-12-21T01:19:00.001-08:00

Permodalan Nasional Berhad (PNB), as the parent company of Amanah Saham Nasional Berhad (ASNB), the managers of Skim Amanah Saham Bumiputera (ASB), has since the launch of Skim ASB given ten (10) free Unit Pokok to each unitholder of Skim ASB, upon registration of subscription of units by a unitholder.

PLEASE TAKE NOTE that PNB will discontinue the gift of free Unit Pokok for persons who register as unitholders of Skim ASB on or after January 1, 2009. All Unit Pokok issued prior to January 1, 2009 will continue to be bound by the terms of the Tenths Schedule of the Deed of Skim ASB.

Sime, Maybank stocks go up!

2008-12-17T00:58:00.001-08:00

Information on two of the biggest equities within ASB. Don't know suddenly why go up? Do you? Things are getting worse ain't it? Especially with the Maddox ponzi scheme. - Dave

KUALA LUMPUR: Sime Darby and Maybank led blue chips higher at midday on Wednesday, pushing up the 100-stock KL Composite Index up nearly 10 points on some fund buying while Asian markets were mostly higher except for Japan and South Korea.

At 12.30pm, the KLCI rose 9.54 points or 1.12% to 864.34. Turnover was 169 million shares valued at RM232mil. There were 203 gainers, 168 losers and 165 counters unchanged.

RHB ASB Loan

2008-12-15T15:30:00.001-08:00

Here's loan information for ASB at RHB. You can get it at their website here.

At RHB Bank, we offer you an ASB Loan to finance the purchase of your ASB units. It provides a convenient and affordable way to grow your investment.

RHB Bank offers a high margin financing, low interest rates, flexible loan tenures, optional insurance coverage and low processing fees.

Under this loan scheme, you have the benefit of enjoying your profit distributions and bonus once they have declared (if any). Upon settlement of the loan, the ASB certificate would be returned to you.

You will find it easy to apply ASB Loan Financing. For further information, do give us a call at 03 - 9206 8118 or visit our nearest branches.

Product Features:

Interest rate for Term Loan (TL)

Loan Amount : RM10,000 to RM30,000
1 st year : BLR - 1.75%
Sub years : BLR - 1.25%
Above RM30,000
1 st year : BLR - 2.0%
Sub years : BLR - 1.25%

Overdraft (OD)

BLR + 0%

Loan Tenure

1 year to 20 years or 60 years old whichever is earlier.

Loan Amount Fixed Loan

For 100% Package
Min: RM10,000
Max: up to individual's ASB investment limit

For 95% Package
Min: RM10,450
Max: up to individual's ASB investment limit

Margin of Advance (MOA)
TL for additional / new ASB
investment

100%
With proof of monthly income(e.g. 1 month pay slip / other proof of income e.g. bank account statement)

Up to 95%
Without any proof of monthly income.

TL and OD for personal consumption on unencumbered ASB certificate
95% of ASB certificate

Insurance
Optional
No financing

Mode of repayment
Standing Instruction (SI)

Custodian fee
Term Loan
Overdraft
RM100
RM150

Documents required for both Term Loan & Overdraft
Photocopy of IC
Photocopy of ASB passbook
MOA 100%: 1 month pay slip/ other proof of income e.g. bank account statement
MOA 95% or less: no proof of income is required.

Exit Fee

First 2 years : 3% of approved loan amount
3 rd to 5 th year : 1% of approved loan amount if settled by liquidation of certificates.
However, NO exit fee if settled by own funds

CIMB ASB Loan

2008-12-15T14:52:00.000-08:00

Below information on ASB Loan from CIMB I obtained from their website here. I'll be posting a detailed calculations and analysis of viability of using these loans for ASB. However, preliminary calculation of mine shows that you can profit from ASB loan provided that the loan is for a 10-year tenure. I'll show you my calculations in-depth in the next postings.

CIMB ASB Loan

Use this term loan facility to buy ASB units. While you are servicing the loan, you'll be earning the annual dividends and bonuses from your ASB investment which you can use to partly pay for the subsequent year loan repayments. It's an affordable, convenient and smart way to make your money work harder.

Eligibility
Individuals aged 18 years and above.
Malaysian or permanent resident.

Features and Benefits
Minimum loan amount of RM10,000.
High financing margin.
Low interest rates.
Flexible loan tenures.
Low processing fees.
Insurance coverage.

Fees and Charges
Click for details on ASB loan fees and charges.
Documentation Fee - ASB Loan / Secured Overdraft against ASNB Products RM50
All Letter of Offer - Stamping RM10
i) ASNB Charges - Purchase and Lien Certificate for ASB Loan RM50
ii) ASNB Charges - Lien Certificate for Secured Overdraft against ASNB Products RM100
ASNB Charges - Transfer from Book to Certificate RM10

Mode of payments
You can make payments via online banking, or
Pay your monthly installments at any CIMB Bank branch, ATM and Cash Deposit Machine (CDM), or
Set up automatic payments via standing instruction.

Act now!
Print and fill up the application form.
Visit our nearest branch and bring the application form along with supporting documents or
Contact CIMB Bank Call Centre at 1300 880 900.

Detailed Announcement On ASB 2008 Dividends (In Malay only)

2008-12-15T14:37:00.000-08:00

Below is the detailed announcement so far but in Malay only.

KUALA LUMPUR 15 Dis. – Permodalan Nasional Bhd. (PNB) hari ini mengumumkan pengagihan pendapatan Amanah Saham Bumiputera (ASB) sebanyak tujuh sen dan bonus 1.75 sen seunit bagi tahun kewangan 31 Disember 2008, menjadikan pulangan keseluruhan 8.75 sen seunit.

Jumlah pengagihan pendapatan ASB adalah lebih rendah berbanding tahun lalu yang berjumlah lapan sen tetapi pembayaran bonus, sebaliknya meningkat 0.75 sen seunit daripada satu sen sebelumnya.

PNB pernah mengumumkan pengagihan pendapatan dan bonus tertinggi berjumlah 11.25 sen pada 2000, yang mana 9.75 sen bagi agihan pendapatan, manakala dua peratus adalah bonus.

Pengerusi PNB, Tun Ahmad Sarji Abdul Hamid berkata, pengagihan pendapatan ASB, dana amanah berharga tetap RM1, itu dibuat berdasarkan situasi ekonomi semasa negara.

“Tahun kewangan 2008 merupakan tahun kewangan yang mencabar bagi pengurus pelaburan dana ASB berikutan krisis kewangan serta kredit dan sebagai sebuah pasaran terbuka, ekonomi dan pasaran saham Malaysia juga turut terjejas.

“Meskipun demikian, melalui strategi pelaburan yang berhemat, ASB masih mampu menjana pendapatan yang memberangsangkan,” katanya pada sidang akhbar untuk mengumumkan pengagihan pendapatan ASB di sini hari ini.

Presiden dan Ketua Eksekutif PNB, Tan Sri Hamad Kama Piah Che Othman yang turut hadir berkata, PNB sebenarnya mampu membuat agihan pendapatan ASB sebanyak 11 peratus pada tahun ini.

Bagaimanapun, sebanyak empat peratus daripada pendapatan ASB itu dirizabkan ke tahun hadapan sebagai persiapan dalam menghadapi ketidaktentuan ekonomi dunia.

Ahmad Sarji berkata, PNB memperuntukkan sebanyak RM4.22 bilion untuk pengagihan pendapatan ASB dan pembayaran bonus pula sebanyak RM678.03 juta.

Pembayaran itu akan dimanfaatkan kepada 6.56 juta pemegang unit dengan jumlah langganan sebanyak 62 bilion ASB.

Sehingga 10 Disember 2008, ASB telah memperoleh pendapatan kasar sebanyak RM5.14 bilion.

Menurutnya, pendapatan dividen syarikat-syarikat pelaburan mewakili RM3.12 bilion atau 60.71 peratus daripada jumlah pendapatan kasar manakala keuntungan daripada penjualan saham pula sebanyak RM1.58 bilion atau 30.75 peratus.

Pendapatan sebanyak RM439 juta atau 8.54 peratus diperoleh daripada pelaburan dalam instrumen jangka pendek dan pelaburan lain.

Kata beliau, pengiraan pengagihan pendapatan dibuat berdasarkan purata baki pegangan minimum bulanan bagi tempoh pelaburan sepanjang tahun kewangan ASB yang berakhir pada 31 Disember 2008.

Pengiraan bonus pula berdasarkan kepada purata baki pegangan minimum bulanan yang dimiliki pelabur dalam tempoh 10 tahun bermula dari 1999 sehingga 2008.

Pembayaran agihan pendapatan dan bonus ASB akan dikreditkan ke dalam buku pelaburan pemegang unit dan pemegang unit boleh mengemaskini buku pelaburan ASB mulai 2 Januari 2009.

Semua urus niaga bagi ASB akan ditangguhkan bermula pada 19 Disember 2008 sehingga 1 Januari 2009 bagi tujuan pengiraan pengagihan pendapatan dan bonus.

'Harus' to invest in ASB & ASN

2008-12-15T07:51:00.000-08:00

For fellow Muslims, here's information that'll clear the air regarding your life savings in ASB. Whether can or not...

In summary, it's okay to invest your money in ASB. And it's okay to use it for Hajj. And yes, you have to pay zakat for all your investments in ASB. No running away folks.

No English translation, so I just took it from JAKIM website here.

Harus Melabur Dalam ASN dan ASB

Jawatankuasa Fatwa (JKF) Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia yang bermuzakarah bagi kali ke-80 bermula pada 1 hingga 3 Februari 2008 telah memutuskan bahawa Hukum melabur dalam Skim Amanah Saham Nasional (ASN) dan Skim Amanah Saham Bumiputra (ASB) serta dividen atau bonus yang diterima adalah harus.

Oleh itu, umat Islam boleh menyertai skim pelaburan ini dan tidak perlu merasa ragu-ragu terhadap status pelaburan yang telah dibuat serta dividen atau bonus yang telah diterima.

Seramai 15 orang ahli Jawatankuasa hadir pada muzakarah kali ini dan sebanyak sebelas (11) kertas kerja telah dibincangkan pada muzakarah kali ini.

Turut hadir pada muzakarah ini ialah Timbalan-timbalan Ketua Pengarah JAKIM, Pengarah Bahagian Penyelidikan dan Pengarah Bahagian Keurusetiaan dan Perhubungan Antarabangsa JAKIM. Muzakarah kali ini juga turut menjemput pihak Permodalan Nasional Berhad (PNB) dan Unit Perancang Ekonomi (EPU) Jabatan Perdana Menteri untuk memperjelaskan isu ASN dan ASB.

Sementara itu, Pengerusi JKF, Prof. Dato' Dr. Abdul Shukor bin Hj. Husin dalam ucapan aluannya berharap Jawatankuasa ini akan berperanan dengan lebih berkesan agar impak dari penubuhan Jawatankuasa dapat dimanfaatkan oleh semua pihak dan akan sentiasa menjadi rujukan seluruh masyarakat Islam dalam dan luar negara.

ASNB fixed-priced unit trust funds a hit with investors

2008-12-15T07:24:00.000-08:00

How true.. Crazy to play the market at the moment. Better put into the Amanah Saham unit trusts first. In comparison, my Public Mutual funds lost nearly 10% this year.. Cry...cry...cry...but never mind money in KWSP can only get back when I'm 55 years old, so lot's of time to recover.

By LAALITHA HUNT

AMANAH Saham Nasional Bhd’s (ASNB) fixed-priced unit trust funds launched in the past few years have proven to be big winners due to their commendable returns.

These equity-based funds, namely Amanah Saham Wawasan 2020 (ASW 2020) and Amanah Saham Malaysia (ASM), have achieved compounded annual growth rates of 10.78% and 6.3% respectively since the time of its launch.

ASW 2020 and ASM have been providing an annual average distribution income of 7.74 sen and 7.12 sen respectively.

To paint a clearer picture, say if an investor had placed RM100,000 in ASW 2020 10 years ago, his investment value would amount to RM251,360 today.

Similarly, by placing the same amount in the ASM fund 10 years ago, the investor would have RM173,340 today in his investment account.

ASM was launched on April 20, 2000, with an initial fund size of two billion units which were fully subscribed in 21 days.

ASM undertook its first increase in fund size two months later in June 2000 with one billion units fully subscribed in four months.

In April 2006, one billion units of the ASM open for subscription were fully subscribed in 45 minutes.

The most recent offer of ASM’s additional units was in July 2007 which saw all the 500 million units, capped at 50,000 units per investor, fully taken up in 30 minutes.

Earlier in March 2007, a total of 800 million units, also capped at 50,000 units per investor, were fully sold out in one day.

ASW 2020 also drew strong response for its subscription quota for non-bumiputra investors since its launch in August 1996.

Besides the notable payouts, both these funds have fixed prices at RM1 per unit unlike other unit trust funds, which is an attractive feature for risk-averse investors.

According to an analyst, ASNB’s strength lies in the fact that it manages a big fund and has the luxury of time.

“These two factors are crucial to beat the market at any time,” the analyst added.

To date, the fund size for ASW 2020 and ASM stands at 10.42 billion units and 7.2 billion units respectively.

This includes the additional one billion units each offered to the public last month for both these funds. In comparison to these fixed-priced unit trust funds, ASNB’s variable priced balanced fund, Amanah Saham Nasional 3 (ASN 3), did not perform as well.

ASN 3, which has a fund size of 112.91 million units, only registered a compounded annual growth rate of 3.7%.

My ASB 2008 Dividend Analysis

2008-12-15T06:13:00.000-08:00

Now that the news is out already. This year's dividend stands at 7sen per unit as compared to 8sen per unit. That's nearly 1sen per unit down. For someone like me, this drop in dividends really matters by a few thousand already. Btw, forget about the bonuses, it only matters if you had a lot of money in ASB for the past 10 years. If you had consistent savings for let's say 3 years, count your bonus like this 3/10 X 1.75% X whatever savings you had for the past 3 years.

My analysis is perfectly simple. Based on PNB's prospectus, ASB's investment is 29.35% and 23.84% in Sime Darby and Maybank respectively. That's almost 53.19% of all ASB holdings.

Above is Maybank's performance this year. With it's fiasco in Indonesia earlier and also the credit crunch going on around the world now, no wonder the shares drop.

Sime Darby is easy, price of CPO dropped massively.

You're lucky to even get 7% is all I can say.

Till next year when dividends are announced again.

How to calculate ASB dividend and bonus

2008-12-15T05:10:00.000-08:00

Those still confused on how to calculate your dividends this year 2008, here are some tips on how to calculate them. Found it really useful Would like to share with you guys.

Calculating Dividend

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

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

Calculating Bonus:

Bonus is given on the basis of 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 say montly 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 have invested for the past 4 years (48 months) and your average monthly balance for the past 48 months is $1000. So your bonus will be 48 x ( 0.02/120 x 1000) = $8

So that’s how to calculate the bonuses and dividends for ASB.

ps. did many grammatical corrections from the source.