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Saving and Investing towards Financial Independence in Malaysia

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ASNB – Fixed-Priced ASM (Amanah Saham Malaysia) Units

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Filed Under: Fixed Deposits, Savings Accounts etc, Financial Independence, Investment 15

Updated February 2025

Latest update (August 2023) – ASNB opened up once more, for its Fixed-Priced ASM funds, the new limit is RM300,000 per individual. This will last till 31 October 2023.

Pretty straightforward on how to get your units, sign up on MYASNB and transfer your funds. I do it via internet banking.
Sign up link hERE.

ASNB - Fixed-Priced ASM (Amanah Saham Malaysia) Units


Link to document hERE

ASNB had on 1 May opened up its Fixed-Priced ASM (Amanah Saham Malaysia) fund for all Malaysians. But as we all know, most non-bumis will be interested in this. Bumiputras in Malaysia will be better off investing in ASB funds.

Did a post on Instagram on 1 May as well as a subsequent Q&A session with everyone via stories as I anticipated lots of questions from everyone.

You can find it in the post below and the full Q&A session via the Stories Highlight section on my IG page, titled ASNB Q&A.

My ASM Portfolio Now – This is a Rare Opportunity

Many current investors of the ASM fund will know that it is notoriously hard to get units. You hear stories of people pestering bank clerks every day to check for available units, lining up during festive seasons in an attempt to get units as you’ll only get them when someone else sells.

So, if you’re interested, grab it now. And to show you that I’m serious about this, I’ve put in the max RM100K allowed for each individual. Withdrew FD money for this and will be parking it here.

Now, I hope you know that the reason I’m showing this is to be 100% transparent. With or without a referral code, I put my money where my mouth is.

ASNB – ASM Dividend and Rate of Return

As only Amanah Saham Malaysia (ASM) is opened this round, the fund declared a 4.5% return for FY2023.
In 2022 and 2021, it was 4% and in 2020, it was 4.25%. Go back further and you can even see 5-6% returns.

You can find the full list hERE.

Key Things to Note

  1. How to sign up? Via their app hERE (you can do it 100% online)
  2. Malaysians only (you’ll need your IC to apply)
  3. Go for their Fixed Priced units only. Forget the Variable Priced ones as those are your traditional unit trusts, with fees and all.
  4. Fixed priced means you buy at RM1 per unit, you sell at RM1 per unit, this is purely a dividend play fund.
  5. Is it safe? Your assets are held in trust with Amanah Raya Trustee Berhad
  6. There is a limit this time around of RM100K per user until 31 July 2023.
  7. For other questions, please take a look at the ASNB Q&A highlights on my Instagram page.

More FAQs on this by ASNB officially below.

Previous Updates on How I got my Fixed-Priced ASM (Amanah Saham Malaysia) Units

Updated March 2022

There is a new 2022 ASNB campaign to get more fixed-price ASM units. Got this one from Maybank again and the brief details are as follows:

  • Ratio is now 60% variable price (VP) and 40% fixed-priced (FP); this is an increase from the last one I did!
  • Minimum total investment is RM10K; and
  • VP fund now has a lower sales charge.

I’m still on the fence about topping up my ASM fixed-priced funds. Dividends have been good but I really hate the sales charge of the VP funds from the bundle.

ASNB and All Their Funds

Amanah Saham Nasional Berhad, more commonly known as ASNB handles the funds found below.

ASB and ASM

The coveted fixed-price funds are what we will be focusing on today. Not

A thing to note – ASNB provides two kinds of funds. The first is the fixed-priced funds – namely Amanah Saham Malaysia (”ASM”). The variable-priced ones are just your normal unit trusts and mutual funds and are subject to NAV change, which means a potential loss for you. And you all know how I feel about them because of their fees.

I’ve been trying to get my hands on additional units of the ASM funds 1, 2, and 3 for ages now. I managed to get RM17,500 worth of it a few weeks ago and here’s how I did it (in 2019).

Now, if you’re a Bumiputera of Malaysia, you’re in luck. You’re automatically allocated units in the ASB funds. These typically give above 6% returns, with bonuses and stuff it’ll be in the 10% region.

Non-Bumiputeras, you don’t get to touch the ASB funds. The next best thing is the fixed-priced ASM funds I mentioned earlier. These are lower in returns compared to ASB though.

You’ve heard of aunties and uncles queueing up every damn day at banks just to ask the lady at the counter to query the system for available ASM units. This isn’t hearsay. I too do this on occasion.

The common belief is that during festive seasons, there will be a higher chance of available units as people tend to sell their units then. I’ve never gotten it this way.

In fact, I count myself among the lucky few because my mother had got me about RM3K worth of ASM units when I was younger.

ASM vs EPF

A common comparison I get from readers is ASM vs EPF. The dividends from ASM fixed-priced funds like ASM3 is lower compared to EPF of course. Instead, you get the flexibility of withdrawal for your ASM3.

I will probably max out my annual EPF and then put additional money into ASM FP funds.

Getting Additional Fixed-Priced ASM (Amanah Saham Malaysia) Units

The traditional way of purchasing additional units is as follows:

  1. You queue up and ask the bank if they’ve got available units. Chance? 0% for me
  2. You sign up at ASNB’s website and try to purchase online. You save time queuing but I have yet to get any.

Here’s the third way. I managed to get RM17,500 worth of ASM3 units a few weeks ago through my relationship manager at Maybank.

A few things you should know beforehand if you’re new to the blog.

  1. I’m a Maybank Premier Wealth customer and I have a relationship manager (”RM”).
  2. This is a campaign by Maybank. I ain’t sure if it’s only for Premier Wealth customers but my RM brought it to my attention.

OK. So this was the text I got:

Upcoming ASNB VP & FP Bundle Campaign 2019- Phase 3

Campaign Period: 10 – 20 Sept 2019 Bundle :
ASN IMBANG 1 or 2 & ASM3
Minimum: RM30k
Ratio: 65% ASN Imbang1/2 : 35% ASM3

The ASM3 units are limited and available on a first come first serve basis.

I had to basically put in a minimum of RM30K in. 65% will go to ASNB’s variable fund and the remaining 35% into its fixed-priced ASM3 fund.

ASNB is basically trying to promote and get you to invest in its variable fund which charges a 4% sales charge. I forgot the management fee per annum. But yeah, mutual funds.

I decided the 4% sales charge was worth it in the long term and invested RM50K into it total. Which gave me that RM17,500 in ASM3 funds.

As you can see, I was charged 4% immediately and the variable fund dropped in value since.

End.

That’s how I got RM17,500 worth of ASM funds. At a cost of RM1,300. Effectively, a 7% sales charge on it. Do you think it’s worth it?

I hope this one will help people get their ASM funds in the future. I’ll be sure to post an update whenever I receive news of new campaigns from my RM in the future. So follow me on Facebook and Instagram to get quick and immediate updates.

Emergency Funds & Fixed Deposit Laddering

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Filed Under: FI/RE, Investment, Other Investments 15

I’ll teach everyone how to set up your emergency funds using fixed deposits right here.

I know some of you veteran investors will already know all about FDs, but this one is for the newcomers.

You wouldn’t believe the number of inquiries I’ve had on FDs from readers. FDs are, by large the first form of investment everyone should have. They are a risk-free, interest-generating financial product offered by the good banks here in Malaysia.

In this article, I’ll show you how to set up your Emergency Fund with FDs.

What are Fixed Deposits?

Fixed deposits or FDs as we will call them are, first of all, a financial instrument. Here in Malaysia, they’re provided by banks and give a higher interest rate than a typical savings account.

The usual terms of a Fixed Deposit here in Malaysia:

1. You place a fixed sum with the bank for a fixed period of time.
2. The bank agrees to pay you a fixed interest rate.
3. You don’t touch that money. After the said period, you get your money back PLUS interest.

What if you were in an emergency you say?
And you needed to uplift the FD before it matures? Well, you’ll most likely lose all your interest. But your initial sum will NEVER be touched.

This right here is a liquidity problem with fixed deposits. Don’t worry I have a solution.

My Emergency Fund

An emergency fund is exactly what it sounds like. It’s a certain amount of money, easily accessible and put away in case of an emergency.

Exactly how much to put away? You’ll first need to know your average expenses and spending per month. After figuring that out, you’ll want at least a 6-month emergency fund.

Using myself as an example – On average, I spend around RM5,000 per month. All in.

So, a 6-month emergency fund would be RM30,000. But I try to keep a 24-month emergency fund going. Just cause. Which gives me around RM120,000 in liquid cash.

Now, the key ingredient for a good emergency fund is LIQUIDITY.

My emergency fund is 90% Fixed Deposits and 10% Savings Account and/or Cash. But an FD isn’t that liquid. So here’s how you make it liquid.

Why an Emergency Fund?

An emergency fund in my opinion serves two purposes.

The first one is to help you avoid a situation where you have to liquidate your investment assets in a crisis. As an investor, your portfolio can take a huge hit if you sell at the wrong time.

Imagine having to sell your stocks or that investment property due to a medical emergency.

The second reason is psychological. Knowing you have a safety net gives you a sense of security and peace of mind. It’ll give you a boost in confidence and has helped me as an investor focus on investing. I don’t have to worry about my expenses or my needs during an emergency.

I am genuinely positive that my emergency fund has helped me make better investing decisions.

Fixed Deposit Laddering

Fixed Deposit (FD) laddering is a strategy that tackles the liquidity issues inherent in locking all your emergency funds into one long-term deposit. Here’s how I do it:

Imagine again that you have an RM120,000 emergency fund. Placing the entire sum into a single FD doesn’t make sense—what if, suddenly, you need RM1,000 for car repairs, withdrawing early from that lump sum means forfeiting significant interest. At 3% per annum, RM120,000 would earn RM3,600 in interest over a year—no small amount.

The solution is simple: break the RM120,000 into smaller FDs with staggered maturities. Using Maybank as an example, the minimum FD placement is RM5,000 for a 1-month term. This approach ensures you have regular access to funds while still earning interest on your deposits.

My FD Ladder

If you’re comfortable with it, consider dividing your funds into 24 smaller portions.
I structured mine into RM10K and RM20K fixed deposits, using a mix of 1-month and 3-month terms.

Generally, the longer your money is locked in a fixed deposit, the higher the interest rate you’ll earn—though the difference is minimal when compounded monthly.

Additionally, stagger your fixed deposits by setting them up on different days of the month. I place mine in the beginning, the middle and the end of the month. This strategy lets you uplift the one that’ll cost you the least in interest in the event of an emergency.

Fixed Deposit Perpetuity

I always select the following 2 options whenever I place an FD.

1. Credit interest earned to the principal.
This essentially means you’re compounding your interest automatically.
2. Renew FD at maturity.
This means I never have to look at my FD Ladder again. It’ll run by itself.

End.

I know most of these are common sense to some, but I still hope I managed to bring value to everyone reading this.

I’m sure some of you have more sophisticated FD hacks and tricks. Please, do share!

For the next article of the FI/RE and Savings Series, check out article 005 – The Seven Stages of Financial Independence.

As always, follow my Facebook and Instagram to keep up to date!

Maybank 2 Cards Premier – Best Air-miles Card

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Filed Under: Travel, food and the finer things in life, Credit Cards, Other, Other Investments 15

There are two components to Maybank 2 Cards. You get a Visa / Mastercard and an American Express card. 2 cards.

The card we will want to focus on is the Amex card, as it gives 5x Treatspoints per RM1 spent whereas the Visa / Master gives 2x Treatspoints.

To keep it simple – You spend as much as you can with your Amex. The Visa / Master is the fallback card for places that don’t accept Amex.

You can check for the latest promos and register for Maybank cards hERE.

Cashback vs Air-miles

First off, if you’re new to the world of credit cards, allow me to explain. To me, credit cards for the first 10 years of my life were about cashback. I have since yesterday, switched to air-miles mode.

I’ve done the research, I’ve done the numbers. You get a better bang for your buck with the air-miles approach. A caveat: Your spending will need to be in the above the RM36K per annum range.

How to get Maybank 2 Cards Premier

Maybank recently revised the minimum income required for their Maybank 2 Cards Premier to RM100K per annum. Even if you don’t fulfill this requirement, I’ll tell you how you can still get them cards.

I was a little short on the income front. Maybank doesn’t care about your dividend income.

I spoke to my relationship manager in the bank and to my surprise, a simple FD pledge would allow me to get the Premier cards.

So, if you’re short on the income/salary front, talk to someone in the bank. This is not a foolproof method and it goes on a case-by-case basis.

Also to note, if you’re planning on getting the 2 Cards Premier, your existing Treatspoints cannot be carried over. This is because the redemption rate is much more favourable to the premier cards.

Maybank 2 Cards Premier Annual Fees

Now, one last thing before you jump on the premier card bandwagon. Apart from the RM25 mandatory fee from the government, the premier cards have an annual fee of RM800.

The cards are free for the first year. For subsequent years, you’ll need to have an annual spending of RM80,000 to get the fee waived.

You know I’m frugal and there’s no way I have that much of an annual spending every year.

My strategy for this? I am utilizing the 4 free supplementary cards provided by the cards. Combining the spending of all cards should get me to RM80K a year. And yes, Maybank allows you to total up the spending per annum of the principal and supplementary cardholders.

What’s in it for the supplementary cardholders? Well, they get the same 2x or 5x treatspoints as you, the same redemption rate for air miles. Basically, everything is the same for them as supplementary cardholders!

I’ve got the first year to test this out. We’ll see how it goes.
I do solemnly swear that the RM80K target will not cause me to spend more than I usually do.

Meantime, do follow me on Instagram and on Facebook for updates.

End.

As I’m writing this, I feel an unexplainable urge to go on a rampage on the benefits of a credit card. As opposed to cash and debit cards. Instead, I’ll keep myself controlled for now and have a long-ass article on it soon.

I know most of you reading this are masters and sifus at optimising your credit cards. Please do let me know if you have better cards out there to recommend for air-miles and cashback for other readers.

You can check for the latest promos and register for Maybank cards hERE.

Genting Malaysia Berhad [GENM 4715]

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Filed Under: Best Dividend Stocks in Malaysia, Annual General Meetings (AGM) 4

Genting. The word itself conjures up images of its casino, the mist up in the highlands and the story of how Tan Sri Dato’ Seri (Dr.) Lim Goh Tong came to Malaysia with only RM1 in his pocket.

I just came back from Genting Highlands for a one-night stay. Take my word for it, Genting, in Malaysia is something else. My last visit to Genting was ages ago and I was dazzled by the improvements and refurbishments Genting Malaysia has made.

Let me tell you what made me want to cover this stock.

  1. The road up Genting Highlands wasn’t the dizzying winding road it was. It is a lot better and much safer now. Also, it was congested on my way up and on my way down.
  2. On the way up, stopping by Gohtong Jaya for lunch, it was packed as well.
  3. Casinos. There’s 2 now. 1 word – Monopoly. Genting Malaysia is the only company with a casino license.
  4. Lastly, I truly enjoyed my stay up there. The food, the stay, the cold, even amongst the crowd, I enjoyed myself.

Genting Malaysia 2018 Annual Report

Revenue – RM9.9 billion
Net loss – RM86.3 million

Revenue grew 6.4% y-o-y. The net loss was mainly due to bad deals made in the US.

That 97% occupancy rate basically made me queue for the shares yesterday. Let’s hope GENM opens up an additional hotel or two soon to capitalise on the high occupancy and turn day-trippers into over-nighters.

Casino License in Malaysia

Effective 2019, Genting Malaysia’s annual casino license fee was raised to RM150 million (from RM120 million). The RM30 million increase is nothing compared to the casino duties GENM has to pay this year – 30% (compared to the previous 25%).

Genting Malaysia Theme Park Opening

According to Google, GENM’s outdoor theme park is set to open in November this year. Now, as a shareholder of Genting, I can’t wait.

I can’t wait to see the financials next year.

Attractive Yields

At the current price, based on historical dividend payments, I can expect a 6%+ yield on GENM.

As I’ve always mentioned, historical payouts do not equal to future ones. A conservative dividend yield could be around the 4-5% range. Just in case the board decides to forego special dividends this year.

End.

GENTING MALAYSIA

Bought date – 26 August 2019
Bought units – 4,800
Bought price – RM3.0602
Current price – RM3.0800

I hope to attend all of Genting Malaysia’s AGM’s in the coming years. Follow me on Facebook and Instagram to keep up.

A list of good dividend stocks in Malaysia can be found hERE.

Touch ‘n Go (TnG) eWallet Review

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Filed Under: Sponsored 3

I have a lot to fear when using e-wallets.

It has however been somewhat alleviated when I know that security measures are put in place to make transactions more protected. The one that really caught my eye was Touch ‘n Go eWallet’s new Money-back Guarantee policy. This policy is the first-ever policy in Malaysia that ensures your eWallet is safe and secure to use. This is the first time I’m hearing of such a policy from e-wallet service providers.

The Touch ‘n Go eWallet has all the benefits you’d expect from an e-wallet. And more. As far as I know, the Touch ‘n Go eWallet is the only one with unique features for toll payment. It is especially convenient as it ties in with RFID and PayDirect.  I now enjoy rebates as I pass through tolls with the Wallet.

If you’re looking for some cashback for topping up your e-wallet, you can find some of Malaysia’s best credit cards here.

TnG Money-back Guarantee Policy

Now, on to the part I find most beneficial of the Touch n’Go eWallet to us users – its Money-back Guarantee Policy. The policy was introduced just a few months ago as there was a need to address users (like me) who needed assurance that they could avoid being scammed as they made payments online.

Verification of your identification is the most important step for the Money-back Guarantee policy. As per the above steps, you’ll need to take a picture of your NRIC as well as a photo of yourself to get verified. The process is depicted below.

Touch ‘n Go eWallet’s policy addresses concerns many of us have regarding the security of eWallets. It’s especially risky with so many cases.

Just by googling eWallet scams, I’ve found a few cases. The most recent case I heard involved a user from Kluang, Johor where she had more than RM2,000 stolen from her through a particular e-wallet app.

Furthermore, vendors and merchants making an honest living are prone to all sorts of fraud cases involving fake notes. If all the retail outlets or mamaks or small vendors would start to use the eWallet, we could definitely see a reduction in these cases.

With Touch ‘n Go eWallet, they have a security guarantee in place through this policy to make sure that unauthorised transactions will be dealt with accordingly.

TnG Submission of Claims

Upon successful verification of your Touch ‘n Go eWallet account, you’ll notice a Protection Shield’ icon visible on your edit profile button.

If you find that you’ve been charged with unauthorised transactions in your eWallet account, you can then click on the Money-back Guarantee Policy in the app. You may submit your claims via tngd.my/mbg or within the app itself.

You will then be prompted to a form. The next step of the verification process involves filling up the form with details of the case and attaching proof of receipts and any other relevant documentation.

The eWallet team will then investigate and if the claims are proven legitimate, refunds will be processed and reimbursed within 5 working days.

With such initiation by TNG Digital, users should feel more at ease using their eWallet. The transition from cash to cashless isn’t and will not be easy for some. However, knowing that such a policy is in place should see Malaysia converting to a cashless society. I look forward to seeing what Touch ‘n Go eWallet will have in store in the future for its users.

Refund for Your TnG Card

As a final note, there are some of you who may be looking to get refunds from your expired TnG cards, you can find my short guide on that here.

Free Basic Financial Plan for Malaysians

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Filed Under: Dividends, FI/RE, Financial Independence, Financial Planning, Fixed Deposits, Savings Accounts etc, Investment 23

I’ve gotten so many questions from all of you seeking financial guidance that I’ve decided to once and for all to come up with a simple financial plan (a guide if you will) for all to use.  

We’ll begin with the basics first, getting yourself out of debt, saving up, and then investing that money for passive income.

The Goal

The final goal of this plan here is for everyone to have an investment portfolio that generates sufficient passive income to sustain your lifestyle.

What is your Networth

Use a paper or Microsoft Excel and draw up your Balance Sheet. You’ll have your assets listed in one column and your liabilities in the other.

I’ve got a simple template set up for everyone to use here. Add or remove necessary items. The download link for the Financial Plan excel sheet is below.

Personal-Balance-SheetDownload

1. Budgeting and Saving

First and foremost, you’ll need to have capital. For that regular, periodic investing. And also, for the opportunities that appear once (or twice) in your lifetime. This is why a financial plan is important.

Acquiring capital would mean you need a surplus in your monthly budget. Now, there are tons of budgeting templates out there on the interwebs so I’m not going to walk you through this.

I will, however, tell you that the most important aspect of budgeting is to make it into a healthy habit. Keep at it for a time and you’ll thank yourself 50 years down the road.

Savings – I want you to have at least a 20% savings rate. The higher the better, in fact, try for 50% of your take-home salary. You’ll invest more during your early years and let the magic of compounding take over sooner.

2. Your Emergency Fund

After you’re done consolidating and paying off your debts, you’ll have a nice surplus in your budget and savings every month.

The next step would be to start building up what we call your Emergency Fund. This is the fund where if and when you ever need money for an emergency, you’ll never need to take out that personal loan or worse, from loan sharks.

An example – medical bills, or if your phone got stolen etc.

How much should you have you ask? Some sites will tell you 3 months of your expenses. I say at least 6 months, go 12 months if you’re the risk-averse kind.

I typically keep my emergency funds in Fixed Deposits (‘FDs’). Now, you may need to liquidate this cash immediately, so put it up in one-month FDs. You can learn more about emergency funds and how to get an “FD Ladder” going here.

An emergency fund is a crucial part of your overall financial plan.

3.1 Investing

You’ve got a kick-ass budget going on, your behind is covered by your emergency fund, now let’s talk investing.

As you all know, I invest heavily in stocks. My portfolio can be found hERE.
Here’s what I do – I continue saving and accumulating my wealth. I then wait for and seize any opportunities that present itself. I try to always have cash on hand.

Of course, you may not want to invest in stocks. And that’s perfectly fine, you should invest in securities you KNOW and you’re comfortable with. Just as long as you INVEST. Don’t leave your money lying around in FDs and whatnot because inflation is gonna take a bite out of it every single day.

The 7 investment options in Malaysia can be found hERE.

Investing your money is essentially making your money work for you. The first few years of your investing will determine the outcome of your financial well-being so invest with care and diligence.

3.2 Building Your Passive Income

For me and hopefully, for you, the goal is to have enough passive income to not have to worry about work. I’ve calculated that to about RM3,000 per month or RM36,000 per year. This is the essence of FI/RE – Financial Independence and Retire Early.

To learn more about FI/RE – click hERE.

There are lots of people and information out there that touts and scream passive income in your face. But when I say passive, I mean the true passive. You receive regular income with little to no effort on your part.

For example, a rental property where you manage it yourself and you’re getting complaints from the tenant every other month is not passive.

Whereas if you let your agent handle every single thing regarding the said property and check-in maybe every quarter with him/her, I’d classify that as passive.

Or you know, just buy Real Estate Investment Trusts (‘REITS’).
Let professional property managers manage your property instead. No worries. Hakuna Matata.

4. Protection

Now I’m including protection into your financial plan because many either overlook this or overprotect and overinsure themselves.

This step should be done simultaneously with Step 3.

Let’s talk insurance. I know I’ll be getting flak from insurance agents for saying this but – You don’t need life insurance. This is my opinion.

What you should focus on right now, is medical insurance. To cover your medical expenses, should you be hospitalized or some critical illness should befall you. That’s all I have and that’s all I need. I can pass on my whole portfolio to my next of kin and dependants upon my demise.

While we’re on the topic, fuck investment-linked insurance. Get a standard, simple one. Don’t let the premiums in your 80s scare you. You’ll invest the money yourself, without paying a fee to the insurance company.

5. Review and Monitor

You finally have everything in order. The final step is a step that is continuous and ongoing. It is for life. And it is for generations to come.

You’ll need to monitor your budget monthly, and make sure your savings increase in tandem with your salary and income.

Your emergency fund will increase as your monthly expenditure goes up.

Your investments and assets AND passive income should always go up, up and UP.

And, your insurance should always be updated to include the latest offerings and cover all illnesses.

I myself go over my finances every month. Part of the reason I started Dividend Magic is to keep track of my investment portfolio as well as to hold myself accountable.

End.

It is my hope that this here Financial Plan would be of help to every single Malaysian. It is a very basic plan, I’ve left out some more advanced features of financial plans but the essentials are all there.

You and you yourself are responsible for your finances.

Remember – Save, Invest and FI/RE.
I’ll leave you one of my favourite quotes by William Shakespeare.

”There is a tide in the affairs of men, Which taken at the flood, leads on to fortune. Omitted, all the voyage of their life is bound in shallows and in miseries. On such a full sea are we now afloat. And we must take the current when it serves, or lose our ventures.”

Now go out there and don’t let them opportunities pass you by.

You’re done with the FI/RE and Savings Series! You can check out article 001 – A Guide to Stock Investment in Malaysia of the Investing Series.

As always, follow my Facebook and Instagram to keep up to date!