Monday 11 July 2016
RHB BANK : ASNB UNIT TRUST
ASNB UNIT TRUST
RHB Bank is an authorised agent of Amanah Saham Nasional Berhad (ASNB). With our large network nationwide, you can now easily perform ASNB Unit Trust transactions.
The ASNB Unit Trust funds available are:
- Skim Amanah Saham Bumiputera (ASB)
- Amanah Saham Wawasan 2020 (ASW 2020)
- Amanah Saham Malaysia (ASM)
- Amanah Saham Didik (ASD)
- Amanah Saham 1Malaysia (AS 1M)
- Amanah Saham Bumiputera 2 (ASB2)
- Sekim Amanah Saham Nasional (ASN)
- Amanah Saham Nasional 2 (ASN2)
- Amanah Saham Nasional 3 Imbang (ASN3)
- Amanah Saham Gemilang (ASG)
The Master Prospectus of the unit trust funds of ASNB dated 30 June 2015, has been registered with the Securities Commission Malaysia, and are available at any office of ASNB and its agents. Units will be issued upon receipt of the registration form referred to in and accompanying the prospectus. Before investing, please read and understand the content of the prospectus. Total return on the investments may go down as well as up. Investments in the funds are exposed to fund management risk, inflation risk and purchasing power risk. Past performances of the unit trust funds of ASNB are not guarantees of future performances. Before investing, kindly consider the fees and charges involved.
Investors who wish to know the key features of a specific unit trust fund of ASNB may request the Product Highlights Sheet issued by ASNB at any office of ASNB and its agents.
If you have any queries on ASNB Funds, feel free to contact any of our RHB Branches or our Customer Care at +603-9206 8118.
For more information, please visit http://www.asnb.com.my
RHB BANK : bancassurance
Why Essential PrimeLink?
As much as you want to be in control of your future, you can’t always know what lies ahead. Sometimes tragedies or mishaps can strike when you least expect it and having to deal with the impact can be tough if you’re unprepared. That’s why you need to ensure you and your loved ones stay protected at all times with Essential PrimeLink. This plan provides peace of mind by giving you the much needed assurance and flexibility to increase your level of investment based on your financial needs. On top of that, it offers investment opportunities to help you achieve your financial goals sooner. With Essential PrimeLink, you can now feel good about the future.
| 30 days old |
| 65 years old next birthday (5 pay) 55 years old next birthday (10 pay) Benefits
8-xcellent Plan
*Terms and Conditions apply
|
RHB BANK INSURANCE ...
GENERAL INFORMATION
- Accident Assist Call Center
- Agent Recruitment
- Auto Assist
- Branch Directory
- Check Claim Status
- Claim Guide
- Download Centre
- eIMS Online Insurance (Agents Only)
- Frequently Asked Questions on E-Payments
- Micares Panel Clinic
- Micares Panel Hospital
- Motor Quote Calculator
- Panel Workshop Listing
- Personal Data Protection Act 2010
- Privacy Policy
- Services
- Sihat Malaysia Panel Hospital
- Windscreen Workshop Listing
RHB ASB FINANCING ...
PRODUCT FEATURES
| ASB FINANCING | ASB 2 FINANCING | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| INTEREST RATES |
1st 4 years : BR + 1.30%
Subsequent years : BR + 0.90%
Board rate for ASB/ASB 2 Term Loan (TL) product is BR + 1.95%.
* Rate applicable until 31 December 2016
| |||||||||
| LOAN TENURE |
Term Loan
25 years or up to age 65; whichever is earlier, subject to entry age of 60 years old
Minimum tenure : 5 years
| |||||||||
| Overdraft (OD) Yearly review and payable on demand | Overdraft Not available | |||||||||
| LOAN AMOUNT | Term Loan Minimum - RM20,000 Maximum - Determined by ASNB / PNB | |||||||||
OD/TL Against ASB/ASW 2020 Certificate
| OD Against ASB 2Not available | |||||||||
| MARGIN OF ADVANCE (MOA) TL FOR ADDITIONAL / NEW ASB/ ASB 2 INVESTMENT | Up to 100% or up to 100% + 5% (if with GRTA/CLTA premium financing) | |||||||||
| TL AND OD FOR PERSONAL CONSUMPTION ON UNENCUMBERED ASB / ASW 2020 CERTIFICATE | 95% or 67% of ASB / ASW 2020 certificate value | Not applicable | ||||||||
| INSURANCE | Optional, financed by Bank | |||||||||
| MODE OF REPAYMENT | Standing Instruction | |||||||||
| ENDORSEMENT FEE |
Term Loan
RM53 per certificate (inclusive of 6% GST) | |||||||||
| OD against ASB / ASW 2020 RM106 per certificate (inclusive of 6% GST) | OD Against ASB 2Not available | |||||||||
| INSURANCE / OTHER CHARGES | RM10 for Letter of Offer | |||||||||
| COMMITMENT FEE | 1% per annum on the unutilized portion of the overdraft facility for amount above RM250,000 | Not applicable | ||||||||
| DOCUMENTS REQUIRED |
Income Documentation by Employment Type Salaried Earners
Self-Employed / Own or Partnership Professional Practices
Commission Earners
| |||||||||
| EXIT FEE |
Term Loan
For full repayment of the outstanding ASB/ASB 2 Loan made within the first 2 years from the date of loan disbursement, an exit fee as penalty / compensation to the bank based on the difference between the ASB/ASB 2 Board Rate and the Promotion / Special rate is chargeable. The calculation of the exit fee is as follows:
Exit Fee = [(a-b)/100] x c x (d/365)
Where
*Refers to the prevailing ASB/ASB 2 Offer Rate
| |||||||||
Monday 14 March 2016
RHB : HIRE PURCHASE
CONVENIENT PAYMENT
Convenient payment channels through:
- Extensive branch network of more than 200 RHB Bank and RHB Islamic Bank branches
- Cash Deposit Machines
- Internet Banking
- Interbank GIRO
- Standing instructions
- ATM(Interbank)
- Selected Branches of Pos Malaysia Berhad
- Cheque Deposit Terminals
RHB : ASB LOAN VS SIMPAN ASB SENDIRI
Ramai juga yang bertanya, mana lagi baik? Simpan sendiri ke Buat ASB Loan?
Tak kurang juga yang mengeluarkan fakta dan auta berkaitan ASB hihihi. Sebenarnya JAWAPANNYA dah terang lagi JELAS.
ASB Loan dan Simpan Sendiri ASB
Jom tengok pengiraan ni:
Si A Simpan ASB sendiri dalam buku setiap bulan RM549 di Pejabat Pos.
Bermula simpanan dari Januari hingga Disember, jumlah terkumpul RM549 X 12 Bulan = RM6588
Pada bulan Disember, urusniaga ASB dibekukan untuk proses pengumuman dividen dan proses pengiraan dividen.
Dividen diperolehi:
7.5% X RM6588 = RM494
Si B Buat ASB Loan dengan CIMB (dengan FairuzRamli lah hihi) RM100K.
Bermula bayaran bulanan RM549 untuk ASB Loan RM100K dari Januari hingga Disember, jumlah kos terkumpul RM549 X 12 Bulan = RM6588
Pada bulan Disember, urusniaga ASB dibekukan untuk proses pengumuman dividen dan proses pengiraan dividen.
Dividen diperolehi:
7.5% X RM100K = RM7500
Siapa lagi UNTUNG? Si A dengan RM494 atau Si B dengan RM7500 ? Modal SAMA kan? Setiap tahun keluarkan duit poket sendiri RM6588?
Kira Peratusan = (7500/494) X 100% = 1518% Kan???? Wow!
ASB Loan adalah TEKNIK Menyimpan DAN Pelaburan yang
MENGUNTUNGKAN....Ingat...Teknik Menyimpan ye...bukan teknik pelaburan semata mata.
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