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 Afham on July 3, 2006 - 6:21 pm
ASB… anyone got any idea/opinion about ASB Loan that been offered by bank? aku 50/50 aa. tolong.. urgent..ym me k? afham_86
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hakim reply on January 14th, 2009:
tgk kemampuan kamu nak bayar brapa..
benda tu kadang kala menguntungkan..
adakala tak menguntungkan..
lagi bagus kalau sendri simpan ..
heheheh
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lisa reply on June 20th, 2009:
ya betul> kalau nak simpan lama baik dalam unit trust. mula simpan rm500 bulan2 potong bank minimum rm200>>
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haiz reply on April 9th, 2010:
first year susah la.. tp end of year dpt dividen. so, guna la duit tu tuk byr…
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apih reply on May 12th, 2010:
cmne ye kalu aku stop kan asb aku dh msuk br sblan…tp aku nk stopkan aku wk yng pnjaman tu
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#2 by Afham on July 3, 2006 - 10:15 pm
mystery solved.
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#3 by Anwar Hezan Shah on September 21, 2006 - 12:24 pm
I just need more examples on these calculations (both for dividend and bonus).
The scenario (as i believe most malays adopt – i’m talking about ASB here) is how to calculate if one makes a monthly investment (say RM200) and say he/she has been investing for the past 2 years.
How do i calculate the amount (dividend and bonus) from the above investment for the end of Year 2. For the sake of simplicity, we assume the dividend rate is 7% for that past 2 years.
Thanx for your time…
Hope to hear some response from you soon.
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#4 by Irwan on September 26, 2006 - 9:05 pm
hi sorry for late reply.I missed out ur comment in this post.
Basically, the dividend is counted on monthly based but paid annually.
Let say, you invest RM200 everymonth, and the rate that year is 7%.
to get the rate for every month in that year, 7% is divided by 12: 0.583%
use this rate ( 0.583%) and multiply with with your lowest balance everymonth.
For example, in January, you get Rm200 x 0.583% = RM1.167
For example, in February, you get Rm400 x 0.583% = RM2.333
and so on. At the end of the year, the sum of montly dividend is paid into your account.
Hope this will help.
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#5 by Ayu_arisya on December 24, 2006 - 11:31 am
Irwan,
Is the calculation of ASB dividend & bonus distribution that you present accurate? Actually, i didn’t apply and didn’t test as what you present here, but i’d a calcualtion in excel file and i found it quiet accurate , and maybe have +/- RM 20 on it.
But, i will try to follow your step on how it being calculated. BRB
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#6 by Irwan on December 24, 2006 - 12:06 pm
actually the calculation is based on dividend only where the bonus is not included. i’ll try to include the bonus in my next web-based calculator.
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#7 by Mýr on February 19, 2007 - 10:31 am
Oh! Now I know where the bonus figure is coming from. Thanks.
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#8 by wan on April 26, 2007 - 3:21 pm
hi irwan, i’m new to ur site. i dont really get it how to calculate the bonus. you wrote “Bonus is given to minimum monthly bonus for the past 10 years (120 months).” does it means, monthly bonus is calculated based on what value is the minimum amount for that month , or the minimum amount since last the 10 years?
btw, very informative site.
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#9 by Irwan on April 27, 2007 - 1:50 am
hi wan.. thanks for visiting my blog.
it’s monthly minimum balance. so let’s say the bonus this year is 0.02 (2%), the bonus for this year is the sum of
(0.02/120 )*( minimum balance for each month for the last 120 months)
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#10 by wan on April 27, 2007 - 11:39 pm
thanks irwan, just to confirm with u..
say for 1st two years, 1st yr bonus 2%, 2nd yr 3%
yr 1 bonus = (0.02/120)*(sum of min balance from month 1 to month 12)
yr 2 bonus is (0.03/120)*(sum of min bal from month 1 to month 24)
am i right?
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#11 by Irwan on April 28, 2007 - 12:07 am
the first month should be the month of the last 10 years,
yr 1 bonus = (0.02/120)*(sum of min balance from month-1 of the last 10 years to current month 12)
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#12 by wan on April 28, 2007 - 3:52 pm
ermmm…, but if it’s ur 1st yr of investment, u dont have bal from month 1 of the last 10yr right?
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#13 by Irwan on April 29, 2007 - 3:10 am
yes it is… you won’t get much from bonus part if you just invested
i think u confused about dividend and bonus. it’s different thing. dividend is for 12months, while bonus is for 120 months. Let say dividend is 7% and bonus 2%:
yr 1 dividend= (0.02/12)*(sum of min balance from month-1 to month-12 of year-1)
plus
yr 1 bonus = (0.02/120)*(sum of min balance from month-1 of the last 10 years to current month-12) in this case all the previous months will be considered 0.
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#14 by ququ on June 27, 2007 - 2:32 pm
hi guys,, i am new here,, just wanna get ur opinion,, is it worth if we take personal loan and then invest it into asb?? is it good rather than taking asb loan? thanx for your reply..
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#15 by Irwan on June 27, 2007 - 8:10 pm
hi ququ, it’s a simple question with different answers. you can go through a long discussion here
http://www.irwan.biz/asb-take-a-loan-to-invest/
or if it’s too long, you can start a new discussion here
http://www.irwan.biz/lets-compare-our-asb-plan/
and i would be glad to answer your specific question.
thanks
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#16 by ququ on June 28, 2007 - 7:03 pm
thanx irwan, i’ve already went through the discussion.. thanx for the idea anyway..
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#17 by silverant on August 21, 2007 - 4:36 pm
Irwan,
Sorry, i tak clear sgt how’s the calculation ..
Let say,
i start my investment with capital RM5000 on January.
the following month, starting from February onwards, i just pay rm100 permonth.
So how’s the calculation will be?
The dividend and the bonus?
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#18 by Irwan on August 21, 2007 - 9:44 pm
for that kind of calculation, u better use our ASB calculator. you can get it here.
http://www.irwan.biz/category/calculators/
the tips on how to use it also there.
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#19 by Goldscanner on November 9, 2007 - 8:17 pm
The returns from ASB are not that attractive after all. Anywhere, great to come to this site.
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#20 by Fazli on November 16, 2007 - 11:01 am
Hi Irwan
Thanks for your explanation. I would like to know how they determine the minimum monthly balance. Is there any cut off date for each month? As you may have known there is a lot of transaction within each month. Even for each individual there will be several transaction in a month such as withdrawal and top up.
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#21 by MackSlick on January 21, 2008 - 11:24 am
Then my insurance agent is giving me some investment plan now, with a net rate of 6.78% per annum but may go up depending on the market rate. Also is the same concept, RM150 per month and i can withdraw after 20 years onwards. If this is the case, which is more worth it? ASB or insurance? From the calculation formula above, i can see that ASB has higher returns (I havent included the bonus yet but ive saving since young so should be over 20 years), but without any medical benefits. Any advice would be appreciated.
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#22 by flizzeck on February 13, 2008 - 3:47 am
just wanna ask u…how much the current percent(%) dividen and bonus for asb ?
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#23 by faliq on March 19, 2008 - 10:22 pm
faham pasal kiraan dividen.. yg bonus tu bile nak kire sendiri punye.. alamak… pasal sebelum ni pernah tukar buku… buku baru penyata start 2003…. padahal masuk dah lame… so… boleh ke kira bonus ??…
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#24 by nfhdvsk sduqr on May 22, 2008 - 7:34 am
iwucs dbayhs dvgftu qnolkjgm xzipyluj kmdpc gfewcxdq
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#25 by amran on June 27, 2008 - 11:32 pm
HI WAN,
SAYA BARU DISINI, SAYA MASI KELIRU DENGAN PENGIRAAN TU: BOLEH TOLONG KIRAKAN DIVIDEN DAN BONUS ASB SAYA DIAKHIR TAHUN 2008 DENGAN KEADAAN DIBAWAH.
OKTOBER 2004 SAYA MASUKKAN RM 125.00 DAN TERAKHIR SAYA MASUKKAN RM 11.000 PADA APRIL 2008.
BOLEH KIRAKAN UNTUK SAYA KEUNTUNGAN ASB SAYA DENGAN ANDAIAN DIVIDEN 7%
TQ…
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#26 by Ann on July 22, 2008 - 11:03 am
What if i get a loan from another bank (7.2% p.a) for 10 years and invest in ASB? Will that generate positive income..any better options?
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#27 by Fros Salleh on December 26, 2008 - 8:40 am
darn! i thought u have the calculator in your website.. Bt nevermind calculating manual is not too bad if i noe how too.. tks!
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Irwan reply on December 26th, 2008:
hi, you can find the calculator here.
http://www.irwan.biz/asb-calculator-v3/
thanks
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#28 by salim on February 2, 2009 - 2:44 pm
thanks for information to calculate asb…keep up goods info wasalam
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#29 by cbs on March 1, 2009 - 11:53 am
kalau simpanan tak sampai 10 tahun???macam na nak kira pula.??ish ish osh…im too young for 10 years calcalation lah…only 6 years…so,tak dapat kira lah,,,..
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#30 by cbs on March 1, 2009 - 12:05 pm
mengikut yang ditetapkan..Pelaburan maximum ASB
= RM 200,000.00.SO, jika ASB loan saya ialah 50,000 tambah simpanan saya ialah 150,000.00…adakah kiraan dividen dann bonus ASB masih diagihkan?ataupun mati di situ sahaja?
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Nizami reply on March 6th, 2009:
The limit is 200k, so if you have >200k, then the calculated balance for interest and bonus will be based on 200k only.
So, it is advisable for you to withdraw the excess and invest it in another fund, ASW or ASD.
Hanya 200k sahaja yg dikira untuk dividen dan bonus ASB.
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OM reply on May 6th, 2009:
that’s not true sir. the interest and bonus are based on the available amount in the ASB account.
say u have 250k (basic plus div after some years) from Jan 08 to Dec 08, and with 8% interest, the div obtained in Jan 09 will be 20k (ie. [250k*12]/12*8%).
200k is the limit anyone can deposit, but not the base of calculation (div & bonus). hope im right.
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DM reply on May 5th, 2010:
yes, you’re right OM….
I already call and ask confirmation from PNB….for detail you can call PNB
#31 by momo on May 31, 2009 - 9:51 am
Hi,
just want to ask..
if i deposit some money early of the month n withdraw it middle of the month..and deposit again end of month..will i get any monthly dividen for this case?
How ASB calculate the monthly dividen actually?
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#32 by men on June 25, 2009 - 11:47 am
Hallo friend,i understand that the max for asb investment is 200k.ok let say i simpan 200k lam sam dalam account asb saya,so how much diveden and bonus i can get? and how i want to bonus and diveden rates for a year.pls help me to answeer this.
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#33 by su on July 11, 2009 - 8:47 pm
saya nak tau berapa dividend rates yg terbaru?
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#34 by aziz on July 22, 2009 - 11:55 pm
Salam,
wan, what your sugestion for start investment with loan 10k for ASB
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superstar 1112 reply on January 4th, 2010:
alang2 melabur biar berbaloi..
asb bagus..
tapi terhad untuk 200k jer..
walaubagaimana pun
aku ada plan untuk smua org boleh bt ms nie mmg terbaik..
tiada limit mcm asb.
simpan 10tahun(10 kali je) then dpt return spanjang hayat…
just call 012 302 4923
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#35 by hafiz on August 3, 2009 - 1:04 pm
pleaze pay anttention to all consumers..
skrg nie..Ambank group tlah mnawarkan plan yg more better than ASB..btoL ke nie??
YES it is..
it is caLL AmFlexi..
di mana simpanan akan di laburkan ke daLam bond(70%) & equity(30%)..
mcm asb..kseluruhan duit pemegang akaun akn dilaburkan ke dalam 100% equity..
equity fund mrupakan dana yg mmpumyai risiko yg amat tnggi utk mngalami kerugian..(spt unit trust n pubLic mutual)
Wlupn keuntungan adalah tinggi..
Bond mrupakan dana yg diselenggara dibwah Bank Negara..
da keuntungan adalah tinggi serta risiko adalah sederhana.
Amflexi juga mnawarkan free protection serta up to 3 generation!!
nk taw lbih lanjut??
contact me..
muhammad hafiz bin tajuddin
0134318120
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#36 by nock on October 6, 2009 - 4:12 pm
hi irwan… saya nak tanya apabila kita melabur dengan asb adakah kita ada komitment dengan income tax?
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#37 by nock on October 6, 2009 - 4:13 pm
apabila kita melabur dengan asb adakah kita akan ada komitment dengan income tax?
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Irwan reply on October 7th, 2009:
Hi nock, saya pun kurang pasti. Tp biasenye utk pelaburan, kite kene declare sendiri bile file utk income tax.
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#38 by Myra on October 8, 2009 - 8:59 am
Hi Irwan,
your calculation example is based on mthly fixed investment..mcmana kalau i tak invest on mthly basis, i.e sthn, dlm 4,5 kali with different amount in every different month.How to calculate?
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#39 by matz on October 31, 2009 - 11:39 pm
assalam-kum irwan,
saudara i nak loan asb but i takut blr naik mendadak , so apa u punya solution untk cover installment ,long period loan 20 years. plz help to ur friend
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#40 by mr haz on November 25, 2009 - 9:05 pm
i ve made asb loan which is rm100 000.., i ve to pay rm612 per month including insurance for 20years.. in my plan.., i want to make another loan after one year which is also rm100 000..
i m going to pay the loan by using the dividen from the first “rm100 000″.. so here i need ur opinion to make my plan btter.. n could u help me in calculating the total money that i ll get after 20 years..?
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#41 by Karim on December 8, 2009 - 3:16 pm
Anda mengguna loan yg mengandungi elemen riba untuk untung besar…
Renung2kan..
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#42 by EMA on December 9, 2009 - 1:20 pm
KLU SY NAK CANCEL ASB CMNE LAK
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superstar 1112 reply on January 4th, 2010:
org lagi nk mnyimpan. ko pulak lg nk cancel..
insaf la beb..
lepas dh bersara mcm mn nk idup..
aku ada plan untuk smua org bt ms nie mmg terbaik..
simpan 10tahun(10 kali je) then dpt return spanjang hayat…
just call 012 302 4923
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#43 by easyRHB on December 15, 2009 - 11:24 pm
assalammualaikum.
nway ckp pasal asb right aku nak offer korg utk ASB LOAN dari RHB bank. Dari Rm10ribu hingga Rm100ribu
tapi yang bestnye loan frm Easy RHB nie, utk 5tahun pertama just bayar bunga sahaja..selepas 5thn baru bayar duit pokok pulak. tapi start dari tahun pertama dah boleh makan dividen.
so sapa2 berminat boleh la call saya 0173452840/saufi.
syarat2 mudah saja
Mykad serta ASB buku sahaja. Loan dlm 15min boleh tahu lulus or tidak. cepat beb
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#44 by yusof on January 3, 2010 - 10:19 pm
Salam!, saya bukan bertujuan menghentam Bank, cuma bagi sedikit gambaran kepada orang ramai tentang pilihan2 yang ada…Dalam hal meminjam untuk melabur dalam ASB banyak syarat2 yang tidak dimaklumkan kepada peminjam.
1) jika sekiranya peminjam gagal menjelaskan bayaran adakah bunga masih dikenakan?.
2) Sebelum saudara/i membuat keputusan untuk meminjam, coba kira jumlah pembayaran = Bulanan RM x jumlah bulan melangsaikan hutang. (Tidak termasuk perkara 1) bunga dikenakan diatas kelewatan pembayaran.
3)Pulangan ASB tidak dijamin…(Trend pulangan menurun)
Pada saya adalah lebih elok mendisiplinkan diri menabung walaupun sedikit. Jika saudara/i bercadang menyimpan untuk jangkamasa lebih 3 tahun, timbangkan untuk melabur dalam Unit Trust. Dapatkan khidmat Consultant yang betul-betul jujur dan transparent. Insyaallah pulangan melebihi apayang ditawarkan ASB… Jika tidak apa pilihan anda?
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#45 by lyana on January 4, 2010 - 10:56 pm
asb utk org bumiputera. org bukan bumi berebut2 nak masuk asb..tapi takdapat.. sehingga guna nama org bumiputera utk buat loan asb.. anda fikirlah sendiri.. ianya memang menguntungkan..
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#46 by siti on January 9, 2010 - 1:57 pm
Let’s say that you just invest for 4 years (48 months) and your average monthly balance for the past 48 months is $1000.
1)saya nak tanya, mana dapat $1000?
2-boleh ajar lebih detail lagi tak?
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#47 by kingv6 on January 14, 2010 - 12:16 pm
Hi,
Need advise here..
Which is more profitable, Option1 or Option2?
Is the Dividen & Bonus calculation the same for both options?
Option1
ASB loan: rm50k
Loan tenure: 25 years
Monthly inst: rm263
Option2
Manually deposit into ASB book: rm263 (every month)
Duration: 25 years
Awaiting reply.
Tks
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Zaudan reply on January 21st, 2010:
hi…
just to share but i also confuse
In my opinion…
Option one is more profitable…
That because ur minimum monthly balance is always RM 50000 from month 1 to 12..for 25 years if ur takeout the interest portion…
If u select option 2, ur minimum monthly balance will be 263 in 1st month,526 in second and so on…
So the dividend very low…not as much as option 1…
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#48 by kamal on January 19, 2010 - 1:32 pm
saya nak bertanya bagaimana sekiranya membuat asb loan….ada ke benda tu boleh mendapat benefit or membebankan.
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#49 by COINA on January 20, 2010 - 11:22 pm
just nk kongsi ngan sume..ada byk perkara2 yg kita perlu ambik tahu sebelum membuat atau dalam erti kata lain “mengunakan” loan bank untuk melabur dalam asb.Terdapat
byk perkara yg dsembunyikan oleh pihak bank untuk ‘perkhidmatan’ ni..e.x interest yg dikenakan kpd pelaggan sekiranya gagal menjelaskan bayaran setiap bulan(xkan nak guna dividen asb untuk byr semua 2,cne nak tingkatkan dividen yg kita perolehi dalam tahun2 berikutnya,kalo cm ni better korg simpan sendiri tiap2 bulan)
ak tahu lg lanjut emel kat aku kenari86@yahoo.com.my
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#50 by zarina on January 22, 2010 - 9:40 am
tahu tak kat mana ASB melabur? Sy pun nak kongsi pengalaman sy p ke pusat zakat ada seorang pembayar zakat nak byr dividen yg diperolehi masa dia smpn dlm ASB tapi pusat zakat tak leh terima sebab ASB bukan plbrn syariah islam so lu pikirlah sendiri sbb kita nak smpn mesti nak pergi haji tolong mak ayah hantar p haji ke kalau tak berkat plbrn kita camana yek? So kwn2 blhlah melabur ikut syariah islam yg byk skrg dlm erti kata lain Unit Trust blh emel sy nizareen@yahoo.com
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