Ya, agree with AskarPerang, fd rates is low but u can choose to put in those saving plan that provides high guaranteed and interest rates.
Any1 interested to know more bout HLA saving plan ie cashbuilder, can sent me a pm.

It is structured FD or u meant by those saving plan?
I dint heard before got structured fd that offers 6% interest rate.
furthermore, fd rates is controlled by bank negara ,so its impossible got such a big different between 6% and 2%.
please make it clear. thanks;)

Eventhough fd rates raise, it is still will much more lower compare to those savings plan that been offer at markets.
Since u choose to save for a high interest,u can choose to save in those savings plan that can guaranteed u high interest.
It will gives a big different to the amount u safe in future
Can pm me if want to know more about savings or fd .

1) Ya, i didnt said that savings n fd is the same. As what been explained by SYKE before, saving plan is somewhat been called as 'structured fd'.
Bsides that, i dont hav the meant to confuse any1 here and if some one felt so, im here now to 'apologize' for my words.

2) Yes agree, the risk and liquidity between saving plan and fd is wise diff. But 1 things goods about saving plan is there are lot types of plan that provides various return and various interest rate to be choosen by consumer. Anyways, fd rates is controlled by gvernment and so every bank around the same.

3) Understood what u meant; make it clear again i dont hav the meant to misled any1 here . Juz share what i know . If got any mistake please correct me. Thanks