Grow Your Money 4 : Trust in ASNB

Another option to secure your saving money is to opt for Unit Trust. In this particular posting, I will be discussing particularly on Amanah Saham Nasional Berhad (ASNB). ASNB is a range of collective investment scheme which pools the savings of the public into a special unit trust fund managed actively by professional fund managers. It is constituted pursuant to a deed executed by the trustee and the manager on behalf of unitholders. The unit trust fund will invest in equities, fixed income securities and other assets authorised under the Guidelines.

Benefit of investing our money in unit trust fund such as ASNB are :

• Diversification : Investment risk is spread or diversified among a large number of securities or other assets.
• Professional Management : Access to professional investment managers, which is not generally available to the individual investor with a small amount of money to invest, or if the individual investor invests in fixed-deposits or makes direct investment in the stock market.
• Convenience : Simplification of and savings in administration of buying, selling and holding investment as compared with you holding a portfolio of investment on the capital market yourself.
• Liquidity : You may redeem all or part of your units on any Business Day.
• Affordability : You only need a small amount of money to participate in a professionally managed portfolio of investment and enjoy the same benefits accorded to others when investing in high-priced securities.

It sounds that unit trust like ASNB is the best way to grow your money. However, like any other type of investment, there is always a risk. In order to reduce the risk, ASNB offer a range of unit trust schemes that give you from low to high risk with its considerable growth rate that you can choose to invest on.

ASNB also offers schemes that have a fixed buying and selling price. At the end of its matured year, the investor will be paying dividend as return of investment. This helps to ensure that our capital investment will not be lost in the market.

For those without capital investment, some investment schemes offers by ASNB also allow us to withdraw from our KWSP for the investment. Term and condition applies to ensure that only some low percentage of our KWSP Account 1 can be use for investment in ASNB to ensure growth without high risk to the capital.

Check out the compilation of ASNB account below and start investing. Some of the scheme is so low risk, it is almost the best substitute to our normal saving account. For me, I always prefer those scheme such as ASB that offers fixed price with dividend which will give me the best in security and considerbly growth.

Amanah Saham Nasional Berhad				Bumiputera Sahaja	KWSP
Bayaran Dividen
Amanah Saham Bumiputera (ASB)	Website			Ya	Tidak
Kelayakan	Bumiputera Malaysia Akaun Dewasa (18 tahun ke atas) Akaun Remaja ( ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi pihak remaja berumur 12 tahun hingga 18 tahun ke bawah).
Tahun Berakhir 31 Disember	2006	2007	2008
Kadar Pengagihan Pendapatan Seunit (sen)	7.3	8	7
Bonus Seunit (sen)	1.25	1	1.75
Jumlah Bonus	8.55	9	8.75
Pertumbuhan (%)	-	5.26	-2.78
Amanah Saham Wawasan 2020 (ASW2020)	Website			Tidak	Tidak
Kelayakan	Warganegara Malaysia Akaun Dewasa (18 tahun ke atas) Akaun Remaja ( ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi pihak remaja berumur 12 tahun hingga 18 tahun ke bawah).
Tahun Berakhir 31 Ogos	2006	2007	2008
Kadar Pengagihan Pendapatan Seunit (sen)	6.8	8	7
Pertumbuhan (%)	-	17.65	-12.50
Amanah Saham Didik (ASD)	Website			Ya	Ya
Kelayakan	Bumiputera Malaysia Akaun Dewasa (18 tahun ke atas) Akaun Remaja ( ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi pihak remaja berumur 12 tahun hingga 18 tahun ke bawah).
Tarikh Berakhir 30 Jun	2006	2007	2008
Kadar Pengagihan Pendapatan Seunit(sen)	6.8	7	7
Pertumbuhan (%)	-	2.94	0.00
Amanah Saham Malaysia (ASM)	Website			Tidak	Tidak
Kelayakan	Warganegara Malaysia Akaun Dewasa (18 tahun ke atas) Akaun Remaja ( ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi pihak remaja berumur 12 tahun hingga 18 tahun ke bawah).
Tahun Berakhir 31 Mac	2007	2008	2009
Kadar Pengagihan Pendapatan Seunit (sen)	6.8	7.8	6.25
Pertumbuhan (%)	-	14.71	-19.87
Harga Jualan dan Belian
Amanah Saham Nasional (ASN)	Website			Tidak	Tidak
Kelayakan	Warganegara Malaysia Bumiputera 18 tahun ke atas
Tahun Berakhir 31 Disember	2006	2007	2008
Kadar Pengagihan Pendapatan Seunit (sen)	5.5	6.25	5.5
Jumlah Pulangan (%)	35.6	28.03	-34.04
Pertumbuhan (%)	-	-21.26	-221.44
NAB Seunit Tertinggi (RM)	0.8326	0.9979	0.9857
NAB Seunit Terendah (RM)	0.6144	0.7793	0.5619
Amanah Saham Nasional 2 (ASN2)	Website			Ya	Ya
Kelayakan	Warganegara Malaysia Bumiputera 18 tahun ke atas
Tahun Berakhir 30 Jun	2006	2007	2008
Kadar Pengagihan Pendapatan Seunit (sen)	5	5.2	5.2
Jumlah Pulangan (%)	3.19	40.24	-0.39
Pertumbuhan (%)	-	1161.44	-100.97
NAB Seunit Tertinggi (RM)	0.8706	1.1133	1.2029
NAB Seunit Terendah (RM)	0.7952	0.7737	0.9758
Amanah Saham Nasional 3 (ASN3)	Website			Tidak	Ya
Kelayakan	Warganegara Malaysia 18 tahun ke atas
Tahun Berakhir 30 November	2006	2007	2008
Kadar Pengagihan Pendapatan Seunit(sen)	6.3	8	7
Jumlah Pulangan (%)	13.41	21.1	-17.96
Pertumbuhan (%)	-	57.35	-185.12
NAB Seunit Tertinggi (RM)	1.0569	1.1945	1.2314
NAB Seunit Terendah (RM)	0.9453	1.015	0.8742
Amanah Saham Gemilang (ASG) Pendidikan	Website			Tidak	Ya
Kelayakan	Warganegara Malaysia Akaun Dewasa (18 tahun ke atas) Akaun Bijak(18 tahun ke atas sebagai Penjaga untuk kanak-kanak 6 bulan ke atas dan 18 tahun ke bawah)
Tahun Berakhir 31 Mac	2007	2008	2009
Kadar Pengagihan Pendapatan Seunit (sen)	6.5	7	5.5
Jumlah Pulangan (%)	17.87	4.2	-15.45
Pertumbuhan (%)	-	-76.50	-467.86
NAB Seunit Tertinggi (RM)	1.0783	1.129	0.9825
NAB Seunit Terendah (RM)	0.8772	0.9583	0.7552
Amanah Saham Gemilang (ASG) Kesihatan	Website			Tidak	Ya
Kelayakan	Warganegara Malaysia Akaun Dewasa (18 tahun ke atas) Akaun Bijak(18 tahun ke atas sebagai Penjaga untuk kanak-kanak 6 bulan ke atas dan 18 tahun ke bawah)
Tahun Berakhir 31 Mac	2007	2008	2009
Kadar Pengagihan Pendapatan Seunit(sen)	6.5	7	6
Jumlah Pulangan (%)	17.87	4.2	-20.22
Pertumbuhan (%)	-	-76.50	-581.43
NAB Seunit Tertinggi (RM)	1.0783	1.129	1.0638
NAB Seunit Terendah (RM)	0.8772	0.9583	0.7664
Amanah Saham Gemilang (ASG) Pesaraan	Website			Tidak	Ya
Kelayakan	Warganegara Malaysia Akaun Dewasa (18 tahun ke atas) Akaun Bijak(18 tahun ke atas sebagai Penjaga untuk kanak-kanak 6 bulan ke atas dan 18 tahun ke bawah)
Tahun Berakhir 31 Mac	2007	2008	2009
Kadar Pengagihan Pendapatan Seunit (sen)	6.5	7	5
Jumlah Pulangan (%)	17.87	4.2	-14.47
Pertumbuhan (%)		-76.50	-444.52
NAB Seunit Tertinggi (RM)	1.0783	1.129	1.0212
NAB Seunit Terendah (RM)	0.8772	0.9583	0.8059
Pelaburan Terbaru
Amanah Saham 1Malaysia (AS1M)	Website			Tidak	Tidak
Kelayakan	Warganegara Malaysia 18 tahun ke atas
Tarikh Pelancaran	05-Ogos-09
Harga Seunit	RM1.00