Discussing Amanah Saham Bumiputera’s (ASB) Maximum Amount Above RM200,000. Whether you can withdraw your money and deposit back or not.

My original understanding was that, the maximum principal that can be deposited into my Amanah Saham Bumiputera (ASB) account is RM200,000 and if the balance goes beyond and that and withdrawn, you can’t deposit the money back (up to the threshold of RM200,000).

However, it was recently discussed in my Amanah Saham Bumiputera (ASB) post that this is not the case. If your ASB account balance is RM300,000 for example (after years of compounding) and RM50,000 is withdrawn, you can in fact, deposit that RM50,000 back in the future. In effect, your new maximum has been increased to RM300,000.

I went to Permodalan Nasional Berhad’s (PNB) office today and queried two of the officers about this matter. They have confirmed that if your balance is above RM200,000 and you withdraw some of that money, you may deposit it back into your account.

Hope this information helps.


Disclaimer: This article is not a specific nor general advice on managing or investing your money. This article does not constitute a recommendation nor does it take into account your investment objectives, financial situation nor particular needs.

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About nadlique

This blog is about the journey of a 28-year-old Malaysian towards financial freedom. This blog was started back when the blogger was 21 years old. However, his journey towards financial freedom had begun way before that. Materials such as investing, business, entrepreneurship, equities, and real estate are presented. The author also posts his thoughts and observations on life in general.


  1. salam nad,
    pernah dgr pasal OD ASB tak??
    saya baru dengar berkenaannya hari ini dan cuba cari info di internet.

    ia merupakan cara pelaburan untuk ‘lock interest’ OD 6.25% per year disampaing dpt menggandakan simpanan ASB. saya masih cuba untuk memahami bgaimanakah caranya dan apakah faedah² pelabur mgkn terima.

    sekiranya saudara nad ada idea ataupun pendapat tentang kaedah ini, dharap dapat dikongsi bersama.

  2. W’salam karnine.

    Saya pun sebenarnya tak berapa tahu sangat pasal OD ASB ni. InsyaAllah saya akan cari maklumat.

    Kalau siapa-siapa yang lain ada maklumat tambahan pasal ni, kongsi lah bersama ya.

  3. Hi Nadlique. I believe our friend Irwan has written on this subject before. Here are the links. Btw, thanks for the info. I’m looking forward to putting my money into ASB when I come back to Malaysia.



  4. Thanks Amir for the info 🙂

  5. Tuan/Puan

    Thank you for making it possible for me to read about ASB.
    However, I wish to point out some language common error here:
    Discussing About is not really right, it should be Talking About or simply Discussing Amanah Saham …

    Have a pleasant day.
    Anak Malaysia

  6. hi nad,

    Correct me if i am wrong.
    I believe PNB will not reject any money but the dividend calculation is based on maximum of RM200k, no ?

    If the dividend is calculated based on RM200K,then the excess is best to transfer to ASW or ASM account, correct ?

    Thanks !

  7. Salam semua

    Pada sesiapa yang berminat mendapatkan OD Tracker – tool untuk manage OD dan interest.. silalah melawat ke blog saya.. EmasdanTanah.com

    Nota pelaburan emas dan hartanah

  8. DAUD AWANG says:

    Yes, this is correct “If your ASB account balance is RM300,000 for example (after years of compounding) and RM50,000 is withdrawn, you can in fact, deposit that RM50,000 back in the future”.

    Your dividend will be calculated based on the Balance of your ASB. If your ASB is 300,000. Then 7/100 x 300,000 = (Fill in the Blank :-D)

    I already experienced with this situation. Currently, I’m using OD-ASB to maximize my ASB by using Overdraft (OD) against or collateral ASB. At the moment, BLR (6.6%) – 1% (http://www.rhb.com.my/loans/asb-financing/af_main.html).

    At moment, RHB Bank give a BEST offer compare to other Bank (CIMB & Maybank).

    For those who interested, can email me how to maximize your ASB by using OD-ASB as platform. This technique also suggested by Certified Financial Planner.


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