If you cannot maintain daily balance of RM 2000, it is better for you to open Maybank2u Savers-I (Islamic saving account).

RM 250 to RM 1999: 0.4% Interest per annum (this interest is not offered by conventional Maybank2u Savers.)

RM 2000 to RM 50000: 2.0% Interest per annum

Of course, if your balance is much higher than RM 2000, it is better to place the excess amount in e-General Investment Account-i (e-GIA-i), to enjoy 3.6% Interest per annum.

That is the way to fully maximize the interest gained. But, if Maybank2U website is inaccessible due to system down (which should be rare), you cannot uplift the e-GIA-I, and withdraw the cash, in case of emergency.

That is why I have both Maybank2u Savers and e-General Investment Account-I. Then again, different people will have different ways of managing their saving accounts, and there are no right or wrong ways.

This post has been edited by kart: Nov 5 2016, 09:16 AM

thanks bero, I've only 200 bucks in my casa.
pay bills for kl condo haha.

for maybank saving interest per annum mean dividend per monthly or yearly?


p/s: seriously already forget what I learn in Uni.

All interest are quoted in per year but calculated daily.

noted. well explained.

guess I should start with e-GIA account then, since I got 2k+ lying around in my saving doing nothing

btw, e-GIA-I can withdraw anytime? cannot right?

This post has been edited by ahchat: Nov 5 2016, 10:24 AM

can uplift from 6am-10pm, same goes to "parking money".
interest rate is calculated on daily basis if up lift premature.
one of the best product intro forumer over here.

This post has been edited by heavensea: Nov 5 2016, 10:51 AM

eg,
(1000 x 3.6%) / 365 = 0.0986

0.0986 x 30 = 2.96

U seems to know wat the new Governor will act by mentioned non stop

If it don't drop now, it will drop in the future. Provided Feds increase. In order for Feds NOT to rise rates, let Trump be president

It's expected
So the best is lock the rate now

eGIA-i rates are mot fixed. So decrease in OPR, it will also drop.

Locked in dalam fd promotion kot.

Pandai pun
Try to lock the best promo rate offered by banks

Since u r so confident, better lock in long term FD now

I told you, I am removing my FDs. Never even place any FDs in the last year.

Move to ASx & FSM huh

Yes. Petrol, cooking oil increasing in price + GST as Hansel said 6.x% is not enough anymore. What more FD which will go below 4% once a cut is announced.

Guys, anyone can plz confirm about registering for maybank gia, since can in/out anytime without charges, so selecting the tenure doesnt matter right? Thanks.

Yes. Not important. However if you select 1 month you need min rm5k.

This post has been edited by Ramjade: Nov 6 2016, 03:30 PM

Thanks for the quick reply ☺
So i can just select 2 months, and starting must deposit min 1k?
Then anytime can withdraw/add, no need to maintain min 1k all the time in the account right?