Many of us get confused when they received ASB yearly statement. So with some help from Cari.com.my forumers, I have compiled the way to calculate ASB dividend and bonus.
Calculating Dividend
ASB dividend is computed monthly but it will be distributed annually. Let say PNB have declared that this year dividend rate is 7%. This is how to calculate your dividend:
monthly dividend income= 0.07 / 12 x minimum balance
Annual dividend income ( this will be shown up in you balance) = sum of monthly dividend for that year
Calculating Bonus:
Bonus is given to 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 said monthly 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 just invest for 4 years (48 months) and your average monthly balance for the past 48 months is $1000. So the bonus will be 48 x ( 0.02/120 x 1000) = $8
So that’s how to calculate the bonus and dividend for ASB. Any correction and question please put in the comment section below. t
Update: Automatic calculator is available here http://www.irwan.biz/asb-calculator-v3/
#1 by 2bz4money on January 25, 2010 - 1:25 am
Semalam saya diterangkan mengenai Easy ASB, produk loan dari RHB di Tesco Kajang. Katanya BLR-1. Insuran tak compulsory. Katanya lagi boleh max 200k asb cert utk loan dan 200k utk buku. Betul ke? Nampaknya oficer rhb ni pun tidak jelaskan pasal lock in period?
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#2 by weena on February 3, 2010 - 9:01 pm
saudaraku muslimin muslimat, ASB is non Shariah compliance, macamana kalau penat2 simpan duit tapi duit tu tak bersih. Bila ada opportunity yang Shariah compliance, grab the opportunity. Unit Trust ada macam2 product Islamic Compliance. My own experience, I have doubled my savings in 5 years, hardly to get kalau i simpan dalam ASB..
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Mencarihalal reply on October 15th, 2010:
Weena dapatlah kiranya kongsikan Unit Trust yg weena masuk…dan caranya yg weena katakan “doubled” tu…krn masih ada muslimin n muslimat yg masih t’cari2 invsmt yg tol2 shriah compliance ni… semoga bermanfaat utk semua..
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#3 by Sariy on March 3, 2010 - 10:48 am
Just want to ask if anyone know what is the ASB dividend rate for 2010?
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#4 by sil on March 9, 2010 - 7:58 pm
sy hak tanya mengenai laon ASB RM20,000, bayar bulanan RM378 masa tempuh laon sy 5tahun sahaja, berapakah bunos tiap-tiap tahun?
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#5 by cikon on March 14, 2010 - 10:49 pm
Nak kira tak salah mcm nie… Jumlah semua duit yang ada di dalam akaun dibahagi dengan 12… kemudian di darap dgn 0.07 kalau rate 7 %
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#6 by Farid B. Bahri on April 3, 2010 - 12:19 pm
Refer to Weena`s comment on 3rd February 2010..
Just nak kongsi info…
Kita semua sedia maklum…hukum asb nie ada dua pendapat..majlis fatwa kata harus, tapi suruhanjaya sekuriti kata haram….mana satu yang kita nak ikut???Tepuk dada, tanyalah diri masing-masing…cuma saya nak kongsi sket…kalau suruhanjaya sekuriti kata haram…kenapa masa diadakan minggu amanah saham ( maksam ), suruhanjaya pun ada bukak kedai skali???naper tak boikot jer maksam tu…minta wakil dari suruhanjaya bagi penjelasan…tq…
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#7 by Farid B. Bahri on April 3, 2010 - 12:23 pm
Refer to zarina`s comment on 22 january 2010..
Just nak konsi info…
Saper yang gi pejabat zakat nak bayar zakat, tapi pegawai tu taknak terima…awak atau member atau orang yang awak sdr tak kenal???Untuk makluman, saya baru bayar zakat pendapatan semalam…bila nak bayar zakat ASB, pegawai tu taknak sebab belum cukup nisabnya…untuk makluman juga…bayaran yang kita buat tiap-tiap bulan ( simpan sdr atau loan payment ), wajib zakat jika cukup nisabnya…itu dipanggil zakat simpanan…faedah dan dividen yang kita dapat tiap2 tahun, wajib zakat jika cukup haulnya…tq…
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#8 by Azfar on June 28, 2010 - 2:22 pm
Hi,
Currently invested RM200k, started just this month. My wife also is doing the same plan. Based on the 7/2 principle on investing in ASB with calculation of just 7% dividen 2% bonus calculation within 11-12 years we manage to be millionaire couple with owing the bank monthly about RM1234.00 individually. we made the 1st contract of RM50K for 15 years loan and the following contract RM150k for 25 years loan. After 15 years we have only have to commit about RM860.00 individually to our loan commitment.
I’ve found that this is a best way to get a retirement get away. Due by the time we retired we would have the bonus of our pension plus the ASB saving that would accumulate up to 1 million each. About House loan and car loans its covered in our total household income, about our 3 under 7 year old children future, education insurance policy is backing us up. overall we have balance about RM3K monthly balance of household income and it is increasing yearly, and RM30K in savings account to back us up in case or emergencies (were thinking of putting it in FD)…Note we are gov servants in the early thirties.
So what do u think of the plan to be a couple of millionaire after 10-11 years, the safest way with the least risk…And the best part is paying the cost of lending of RM125K minimum at total individually with intention to settle it as it is by contract.
Of course the loan is insured and will be willed to our children by end of this year.
Funny thing about 7/2 (7% dividen / 2% bonus)is i thought it was 7 years for 2 person. but fits the scenario as well lol.
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#9 by lieza on July 7, 2010 - 3:45 pm
sya ada bt loan asb di maybank..
ok sya bt loan rm 10,000.00 dlm msa 20 thn..tiap2 bln sya byr rm 63.00.mcm mna kiraanya?bonus & dividen?
( dividen + bonus )maybank ckp dibayar 8.75%.
bila kita habis byr dlm tmpoh 20 thn,kta akan dapat duit rm 10,000.00 tue ker?
sya kurg phm msa wakil mybank ada menawarkan pda sya asb.ketika itu sya mahu cepat,jd sya setuju je.
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#10 by Glittlerobot on August 16, 2010 - 4:18 am
why mystery?get ur answer…i will tell you the solution..call me..0133927324
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#11 by Kimi Rekonen on August 30, 2010 - 4:45 pm
tahun berapa agak2 dividen ASB
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#12 by Mencarihalal on October 15, 2010 - 4:22 pm
Dear Weena, dapatlah kiranya “list”kan islamic Unit Trust yang weena masuk….
masih ada saudara2 muslimin muslimat yg masih tercari2 invsmt yg tol2 Shariah compliance ni…
p/s “pahala org yg menunjukkn kpd kebaikan, sama seperti org yg melakukannya..”
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#13 by Avex87 on October 28, 2010 - 12:04 pm
thank you
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#14 by Upleasure99 on November 30, 2010 - 6:58 am
macam mana nak kira kalau saya buka tahun 1990 untuk RM1000 and 8 tahun kemudian saya tambah duit, dan 2 tahun kemudian saya tambah duit lagi. Macam mana nak kira bonus?
Adakah mereka akan ambil jumlah pelaburan yang sekarang atau ambil pada Tahun 1990 iaitu RM1000??
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#15 by Nurilam_hijrah on December 4, 2010 - 11:52 pm
lets say we saving rm10 010 from january untill november than we withdraw rm10 000 end of november left rm10.Do we still get the dividen for that 10 000 for 11 month.
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#16 by PAM on December 21, 2010 - 7:43 pm
jawpan paling senag…just wait until 3rd january then update..then u all will know how much u will gt…hehehehhe
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#17 by PutraMalaya on December 25, 2010 - 2:45 pm
nice
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#18 by Ken Master on December 27, 2010 - 4:04 am
Aku ada ambik asb loan ngn maybank. Aku advice sape2 yg nak menggandakan investment asb dia adalah ngn cara pinjaman. kita akan dapat dua kali ganda atau lebih dividen compare dgn kita simpan tiap2 bulan. Pada perhatian aku maybank is the best bank provide asb loan compare wth other bank…..If you want to know more just contact me guy_legion@yahoo.com
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#19 by Ken Master on December 27, 2010 - 4:13 am
You still get dividen even you withdraw all your money end of november.
10010 x 11 = 110110
110110/12 = 9175.83 ( Your monthly Average)
If ASB dividend 7.5%
9175.83 x 0.075 = 688.18
Your will get Dividend RM 688.18
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#20 by Ken Master on December 27, 2010 - 4:30 am
ASB dividend calculate by monthly average…
1.Mula2 anda kena tahu berapa amount duit pada setiap akhir bulan (31hb or 30hb).
2.Jumlah kan semua amount akhir bulan tadi untuk setahun.
3.Bila anda dapat jumlah untuk setahun (12 bulan), bahagikan jumlah itu kepada 12. Anda akan dapat purata simpanan anda untuk setahun.
4.Darapkan purata bulanan kepada % dividen asb. Anda akan dapat dividen anda.
Total end month amount 12 month (for 1year) / 12 = Monthly Average
Monthly Average (setahun) x ASB % = Dividen ASB
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#21 by Ken Master on December 27, 2010 - 4:34 am
Oleh kerana dividen diagihkan pada setiap akhir tahun maka pengiraan hanya boleh dibuat untuk setiap tahun. Maka anda perlu guna formula ini untuk mengira dividend anda pada setiap tahun ini kerana % ASB pada setiap tahun adalah berbeza.
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#22 by Ken Master on December 27, 2010 - 4:36 am
Pada akhir tahun setiap tahun (31 Disember)
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#23 by mimi on December 30, 2010 - 12:38 pm
kalau yang kerap bawa keluar asb macam mana pula.. sy student finance. tapi blur bab2 ni..
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#24 by Khairilaswan on January 11, 2011 - 2:49 pm
Salam semua,
Saya wakil dari Easy RHB
Nikmati perolehan dividen secara MAKSIMUM dengan membuat Pinjaman Pelaburan ASB dengan EASY RHB..
5 tahun pertama CUMA BAYAR FAEDAH SAHAJA!! CAJ TERENDAH BERBANDING BANK-BANK LAIN!!!
Sila ke blog saya http://easybyrhb.blogspot.com atau hubungi 010-9684021 (Joe) untuk penerangan lanjut mengenai EASY RHB LOAN
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#25 by triplemz83 on January 25, 2011 - 9:18 am
mintak tolong kira dividen ASB saya bleh..baki unit pd tahun 2010 ialah rm6186.45
berapakah dividen yg saya dpt?sbb bile update sy hanya peroleh pendapatan nye sebyk rm275.36 shj..mcm sket je plak
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#26 by Niksufian90 on April 5, 2011 - 9:03 am
i think u will not get the divident from your investment. this is because asb will update it account at the end of the year.for further information u can get from any bank that provide Asb investment………..
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#27 by Jutawan_bond on April 21, 2011 - 6:11 am
Ambank is the best…35% last year….
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#28 by Lorrainejohn on May 18, 2011 - 4:41 am
Saya tidak pernah menambah tabungan sejak 2007 dan baki akaun simpanan saya hanya RM20.00 dan saya juga tidak pernah mengeluarkan apa-apa pemberian dari ASB sehingga kini, tetapi bonus yang saya terima kecil. Saya bandingkan dengan rakan sekerja yang juga tidak menambah caruman ASB sepanjang tempoh yang sama, ter tapi setiap tahun dia menerima bonus sebanyak RM57.00 ke atas. Dia juga mengeluarkan setiap sen bonus yang diterima setiap tahun dan meninggalkan baki sebanyak RM14.00 untuk kiraan tahun berikut. Adakah ASB menetapkan sebarang kod atau kuota atas pembahagian bonus. Saya hanya mendapat RM0.75 sen sedangkan saya tidak pernah mengeluarkan tabungan kecuali ada membuat tambahan simpanan. Mohon penjelasan adakah baik kami meneruskan tabungan dengan sistem pembahagian bonus yang tidak selari kepada penambung.
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#29 by Sunny on July 16, 2011 - 4:27 pm
I don’t know about ASB clearly.If anyone inform me about this I wiill be greatful.
Thanks
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#30 by Alan_nik89 on October 19, 2011 - 6:40 am
sy nk pnjam 60k dr asb bank,tp sy dah buat loan maybank 40k..sy nk byr untuk asb shj bulan-bulan..nk byr scara cash loan 40k dr maybank..xtahu mcm mana lah..
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#31 by aging anti reviews on November 16, 2011 - 5:30 pm
Perfect
I like that.
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#32 by PakcikDkKayo on November 17, 2011 - 11:48 pm
Hello Master Ken…
Nice to meet you… Can u help me?
My investment in ASB is 30K (lump sum)… I start on Jan 2012…
How to know my dividend on end of the year on award?
Please share your skill with me…
Thanks a lot…
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#33 by ingin tahu on November 29, 2011 - 1:23 pm
investment saya 30k,Baru mula 2011.nak tahu brapa dividend akan saya dapat
thanks
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