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actually Maybank dividend players are happy because they keep few hundred thousand to millions of RM in it so they don't mind because can sleep and get good dividend every year. but they don't know if they only use less than half of Maybank capital to invest in some other high growth penny counter, by now maybe more than their dividend yield over 12 years.
just my opinion, there's no right or wrong if you stick with any option because it's your money and your returns.