Apakah itu ASB (Amanah Saham Bumiputera)?
Amanah Saham Bumiputera is a special investment trust fund exclusively for Malaysian Bumiputeras. ASB was launched by Amanah Saham Nasional Berhad on 2 January 1990, and the purpose of this fund is to provide a highly profitable, consistent, and high-yielding long-term savings and investment platform for investors.
The ASB fund is a fixed-equity fund where the price per unit of ASB shares is sold at a fixed price of RM 1.00. Additionally, ASB does not impose any charges on share sales or unit redemptions, which greatly benefits investors.
Although ASB is the best investment instrument for Bumiputeras, it also has its own limitations, namely that ASB has an investment limit of RM 200,000. This means your investment is limited to RM 200,000, but the total investment after dividend earnings is allowed to exceed RM 200,000.
How to Invest in Amanah Saham Bumiputera (ASB)?
There are two ways to invest in ASB: either through investment using your own savings or using an ASB loan, also known as ASB Financing. For those who are new to ASB investments, the recommended method is investment through ASB Financing. There are 3 most popular ASB loan techniques introduced by Mr Khairul Ezuwan Yusof in his ebook, ASB Genius.
Where Can You Buy Amanah Saham Bumiputera (ASB) Shares?
Amanah Saham Bumiputera (ASB) shares can be purchased at selected bank agents or selected non-bank agents. Selected bank agents include Maybank, RHB, CIMB, and Affin Bank. Through bank agents, investors can add to their investment units using online banking. Besides bank agents, there are also non-bank agents such as Pos Malaysia.
Islamic Ruling on ASB for Muslims
The 80th Muzakarah (Conference) of the Fatwa Committee of the National Council for Islamic Religious Affairs Malaysia, which convened on 1-3 February 2008, discussed Investments in ASN, ASB, and Similar Schemes.
The Muzakarah decided as follows:
After hearing the briefing and explanation, and examining the information, arguments, and views presented, the Muzakarah agreed to decide that in order to safeguard the interests and welfare of Muslims and avoid greater harm, the ruling on investing in the Amanah Saham Nasional (ASN) scheme and the Amanah Saham Bumiputera (ASB) scheme, as well as the dividends or bonuses received, is permissible.
Kesimpulan
Amanah Saham Bumiputera adalah pelaburan terbaik untuk kaum bumiputera. This is because ASB is the only long-term savings and investment instrument with low risk. Various techniques can be used to get the best returns through ASB.
