We are all along talking about saving plan.
Those other insurances are burning money, where got give you back any money? 

Even added up company performance, it is not reaching 8%, which is being given the good scenario, (all saving plan out there got a table, and being regulated by BNM to show both guaranteed and non-guaranteed portion, and npn-guaranteed portion got 2 scenario, one good, one bad, to indicate potential return from non-guaranteed part)
Added up guaranteed and non-guaranteed, it is not reaching 8%.
You can go out there to look for it, calculated carefully. 
Every insurance agent got carry such a table.
Even forum here, got people posted it up.
Read back the link I posted above few posts. 

You need to calculated carefully across. Cannot simply pluck a number or a ratio.
x% can be based on sum assured only.
x% can be based on first year premium.
x% can be cash back (mostly published this), as cash back is not yield nor interest rate.

There are simply too many "marketing number" out there.

It is not problem for anyone to find/get a 8%, 10% cash back saving plan.
But it is impossible to get a 8% or 10% net return/interest rate saving plan, for current financial condition.

Bro, above yes and no. For Citibank case like we mentioned months ago, yes need to open CitiGold account. But for other banks last year, 5% for HLB was for Kid's Junior FD (min RM5K if not mistaken) and up to 5% Alliance Bank was for minimum RM50K if not mistaken. Today tough to even get 4% effective from FD. Next BNM meeting on July 7, let's see what happens.   
the 5% guaranteed is based on premiums paid right i.e. not compounded. Go insert into excel and see how much you'll get end of 20 years time with FD 4% and then compare with the total amount from the GE plan.  And then let us know please.

you give them advance payment and they go buy government bonds which earns then like 5% and they pay you 3.15%.

jack2, by the way, the last time you mentioned AMBank Top Rated FD pays you interest quarterly, I thought it was half yearly. Can you please reconfirm.

Thanks. That is 4 % for 60 months. 5 years from now, rate will be higher than 4%.

---

Added on June 21, 2011, 12:04 pm

The interest is credited to my Am Saving account monthly

Bro, I still waiting for the post. Or did you post and I missed it?
I was at OCBC today to pay my CC bill, so I asked any FD promo and the girl said until end of this month 3.55% for 12 months, minimum RM10K fresh funds. Now not sure if I heard wrongly as my ears was kind of "blocked" at that time as I not feeling well.

I heard my fren said FD rate in Vietnam is 10+ % and his boss has opened an account thr.

hi all, i was also looking for the best possible return on FDs... stumbled upon OCBC and was told of their ' Builder's Express' savings plan. min start off savings is rm15k.. BUT minimum amount to be maintained is rm20 ( i dont understand the logic). account to be maintained for 15 yrs. Interest of 4% ( is that real?) per annum. no limit on withdrawal or deposit.

Any sifu can clarify on this? I spoken to the branch officer and also helpline, both confirmed this. Yet to walk in to a branch.

thanks.

OCBC offering 3.6% next week? For how long tenure?
I guess many of its customers taking out funds to deposit at UOB, so OCBC got to take action. As for business, OCBC will match other banks rates for substantial amount of deposit.

To All: HLB got offer for Junior FD again until 31 July 2011 or target deposit of 300 million which ever comes first . 13 Months 3.5%, 24 Months 3.8% and 36 Months 4.0% Interest credited monthly into Junior Savings account where it also earns 2.9%. Minimum RM10K and Max RM1M fresh fund.
You can get 4.2% for 36 months Minimum RM5K but got to deposit RM5K into Junior Savings Account and maintain it for 3 months (Junior Savings Account earns 2.9% for amount less than RM50K) .

Click here for HLB Junior Savings Account rates.

How u put FD if u hv 10006 ?

10006 1 shot ?

rate
3/100 x 30 / 365

Do put 5003 so u get interest 12.34/month

if u put 10006 u only get 24.67/month

that is 5k

u will see the significant amount if u repeat it.

Untung 1sen if split to 2 FD receipts ? So your executive time is worth less than 1 sen for the extra time you spent in the bank waiting for the teller to prepare the extra FD receipt ? 
Again you said "that is only 5K", Do you mean to say if you have RM1million and you place it in 200 FD receipts of 5k each and you untung extra RM1 interest ?  Gee....! 
Also more trees will have to chopped down just for you.

if anyone interested in better fd rates, pls pm me. =)