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
Article from http://www.irwan.biz/how-to-calculate-asb-dividend-and-bonus/
ASB...
ReplyDeletenice calculation.. tapi masih dalam grey area for me..
eventhough Majlis Fatwa Kebangsaan kata hukumnya harus...tetapi bagi saya ia telah melebihi 1/3 pelaburannya yang tidak menepati syariah.. jadi kesimpulannya lebih baik jauhi... for lebih clarification boleh surf zaharuddin.net Memang dividen tinggi tapi keberkatannya penting.. hujah majlis fatwa ialah atas maslahah awam @ kepentingan awam.. tetapi bukanker PNB itu dikuasai oleh orang Islam?? mereka masih tak berubah kita jangan lah ikut..masalahnya ramai makcik2 dan pakcik2 kita yang tak tau bende ni.. nak cerita pun susah tetapi kita yang ada sikit ilmu ni wajib sampaikan... saya ada berhujah dengan seorang uztaz ni pasal asb.. at the end uztaz tu cakap terpulang pada ante nak invest atau tidak.. ana dah sampaikan hujan ana... n ana tak izinkan ahli keluarga ana invest selagi pelaburan tu tak dibersihkan...pikir-pikirkan lah... Selamat berpuasa...