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        <title>Lowyat.NET: Latest topics by Harchsg</title>
        <description></description>
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        <lastBuildDate>Wed, 24 Jun 2026 14:23:04 +0800</lastBuildDate>
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            <title>Citadel Trustee Berhad</title>
            <link>http://forum.lowyat.net/topic/5489597</link>
            <description>Hi Guys,&lt;br /&gt;&lt;br /&gt;Have anyone invested in Citadel Trustee Berhad let alone their new fund CG Optima Trust at 12% returns? Is it safe?&lt;br /&gt;Arigato Gozaimaz</description>
            <author>Harchsg</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 19 Oct 2024 12:42:41 +0800</pubDate>
        </item>
        <item>
            <title>ASN vs Fixed Deposit</title>
            <link>http://forum.lowyat.net/topic/4942960</link>
            <description>Now we are in Year 2020, Bank Negara has dropped interest rate to encourage spending and not buying. I am 44 years old. I am wondering whether to invest in Amanah Saham Nasional (cause Non Bumi) or Fixed Deposits. Any advise appreciated? &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>Harchsg</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 14 Apr 2020 13:41:36 +0800</pubDate>
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