PruLink Investor Account

There are the things that many of us dream to achieve in the future. However, many have found difficulties of those lifetime plans due to financial disabilities.

At 2nd of July, which is the day that I made my big decision, I have cancel the Maybank Takaful since the plan is not suit for me and withdraw Maybank FD money(RM4k) + own saving(RM1k) to invest in Prudential Investor Account which is under promotion when I joined its.

You can invest and be protected with PRUlink investor account. It is a single premium investment-linked whole life insurance with one-off investments. 95% of your premiums will be used to purchase units in the PRUlink fund.

You also have the flexibility to withdraw some of your cash values if you have a sudden need, and you can top-up at any time. Minimum top-up is as low as RM1,000.

It includes coverage on Death and Total & Permanent Disability (up to age 60). It means that if something bad happens on you then you will get 125% profit. If you invest MYR 10k then you will get MYR 12.5k in the end. So your profit will be MYR 2500.

It’s one of the best funds if you want to grow your wealth quickly, and are willing to take high risk. PRUlink fund does not pay any dividend. It focuses on capital growth in unit price.


27th of July is the day that i get the 1st credit card which is from Maybank. It takes about 3 weeks to proccess. As a normal human, they need to prepare something when applying the credit card but fortunately i no need to prepare anything since my salary is bank in to Maybank. As long as ur monthly income exceed or equal to Rm1500 then will do. So, the bank officer just need to photostat my identity card for pre-approve only.

As i know, maybank credit card have 2 types for normal level user which are Maybank Visa Wave and Visa Flex. Do you know how to differentiate between each other?

Maybank Visa Wave which is the one that i personally own currently, it will waived you 2 years only means that there will no have annual fees for 1st 2 year. But i heard my seniors who are my work colleague said that you must call them after 2 year if they did not make any call to ask you whether wanna continue the credit card service or not. The another type is Visa Flex, it will waived you forever but u must maintain at least 2 transaction per month.

Age requirement:
As a principal cardholder, you must be aged between 21 to 65 (inclusive).
As a supplementary cardholder, you must be at least 18 years old.

Income requirement:

500 Million Additional Units for ASM

Amanah Saham Nasional Berhad (ASNB), a wholly-owned subsidiary of Permodalan Nasional Berhad (PNB) is offering 500 million new units of Amanah Saham Malaysia (ASM) to be opened for subscription on Wednesday, 18 July 2007.

The offer will commence concurrently at all ASNB Offices and agents branches at 9.30am nationwide, including Sabah and Sarawak.

To ensure a fair distribution to the investing public, a maximum investment limit of 50,000 units has been set per accountholder during the offer period from July 18, 2007, until 24 July, 2007.

ASM is a fixed price unit trust fund and opened to all Malaysians aged 6 months old and above.
PNB President and Group Chief Executive Tan Sri Dato Hamad Kama Piah Che Othman said the additional units was aimed at new investors who had missed out on the earlier opportunity and existing investors who seek to top up their investments.

In line with the upcoming 50th Merdeka Celebration, PNB would like to present all Malaysians with an opportunity that will allow them to share with the nations prosperity, he said during a press conference in Kuala Lumpur on Friday, 13 July 2007.

ASM was launched on 20 April 2000 with a fund size of 2 billion units which was fully subscribed in 21 days. This is the fourth time that ASM has offered new units for subscription and the response has so far been overwhelming.

Last year 1 billion units of ASM were fully subscribed in less than 2 hours and another 1 billion units were fully subscribed within one day when the new units were opened for subscription in March, 2007.

In the last seven years since its inception, the average annual income distribution declared by ASM is 7.02 sen per unit.