Permodalan Nasional Berhad (PNB), its unit trust management company Amanah Saham Nasional Berhad(ASNB) has declared the income distribution payout of five sen(5%) dividend for the Amanah Saham Bumiputera(ASB) for the financial year ending Dec 31, 2021.

In the midst of hardship, where the Klang Valley and the East Coast is flooded, thousands of people have to relocate, also several causalities, this is news to the public. So far this is a good comparison from the previous year. Which the dividend payout is 4.25 sen (4.25%) per unit.

ASB 2021 dividend rate and the previous rates

If you are investing RM 100,000 at the beginning of the year, at the end of year you will get RM 105,000 (with 5% dividend). This is how long term and low risk investment looks like.

If you think this enough? Then your wish, because the inflation rate in Malaysia is keep increasing too.ASB is specially made scheme for Bumiputera.

So where can the Non-Bumi can invest as low risk investment plan?

The common investment that Non-Bumi goes for is Fixed Deposit in Banks. But the problem with fixed deposit, the interest rate ridiculously low. The average interest rate is 2% for 12 months.

Fixed Deposit rates : Ringgit Plus So another better option from Fixed Deposit is PTPTN. PTPTN is not only the place to take loan, but also can do investment to grow our money.   DIVIDEN SSPN-i and SSPN-i Plus, are investment plans in PTPTN. For the past 10 years they are providing with constant interest rate which is 4% every year.

SSPN-i dividend rate for 10 years

Apply Here :

https://www.ptptn.gov.my/saving/sspnlogin.html

https://online.sspn.my/

But still is this a profitable investment plan if we are doing it for long term?
Inflation Rate in Malaysia
Source : Statista

The chart on left shows the inflation rate in Malaysia. The average predicted inflation rate is 2% every year. Which is really close to the dividends we are getting from the low risk investment plans we having.

Average salary rate in Malaysia
Source : Statista

This one here shows the average salary a Malaysian receiving, which clearly shows it is decreasing. As the inflation increases and the salary decreases the power or the value of the money will fall over the time.

All these means:-

Invest = Saving

Saving = Spending

Conclusion – How to get into high yield / return investments?

High return always comes with high risk. Here are some investments you can try to look.

(NOT A FINANCIAL ADVICE)

Medium Risk :

  1. Unit Trust
  2. Mutual Fund

High Risk

  1. Staking Cryptocurrency
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