A visit to PNB

Earlier today, I went to PNB with wifey. She lost her ASB book for some strange reason. I think, it has been a year since I last went there. Maybe more....Hehehehe.



So we were at PNB about 9am and the place was practically empty except us. .... I would've thought that the place will be full of people. Nevertheless, we proceeded to the counter and she got replacement book after paying RM20.

Since I was there, I spoke briefly to one of the staff about ASW & ASD. Since I can't open up an ASB account for kecik as she is only 4 years old, I decided to open up ASW account for her. Infact, the staff told me that I have 2 options for kecik. Either open up Amanah Saham Didik or Amanah Saham Wawasan. She suggested that I go for ASW as it is 'easier' to get and the dividend given for both funds is more or less the same i.e. 6% (for the last 3 years, the average div was 6.55%).

So, as a start, I invested Rm200 in ASW for kecik. I've yet to decide on how much I would like to save every month in her ASW but as I always said, a little bit of everything can be good in the long run. Maybe, just maybe when she turns 12 in a couple of years time, I might change her funds to ASB.

As I was on my way back to the office, I was thinking that we are very lucky to have such facilities & opportunities to save and get reasonable returns in the long run. I would think that it's a waste if we don't use the opportunity to improve our wealth a bit or at least, to have something for the future especially when we are talking about retirement plans as well as the well being of our children.

Of course, we can't guarantee what will happen to us in the future but what we can do is to be well prepared and keep on improving.

Have a good day