well, if it is a short term like 1 to 2 years and you dun need to use that extra money, I think you can consider, but maybank official told me they predict on sept FD rate will increase. Maybe it is not worth, but no harm ask around and see what is the terms and condition, sometimes got string attach 

thanks for sharing...

it's not an argument when only one side barking nonsense.
.
anyways, the thing is most ppl put more than their 3-6mth emergency funds in FD coz they don't know what other safe alternatives that have better yields for their money.

msia srsly needs to implement personal finance education at earlier ages than wasting time and resources teaching sthg useless like pendidikan moral.

oooh, I did..I do divide into few parts, wawasan 2020, and recently last month they launch this 5% for 3 years only, I think is SUKUK.

Maybank got once launched this HwangDBS fixed maturity income fund. 3 years only, 1st year is 4.5% pay out interest if I am not mistaken.

you are right, sometimes no need to consider so much...
thanks for sharing....

If you are bumi, you buy all the ASB as you can get your grubby hands on, it is one of the risk adjusted investment out there. 

This rumor has been circulating since 2008.
You forgot to mention that PNB could go bankrupt if the government defaults on bonds since all of them are so closely connected. Just like what doctors usually say, there is nothing absolutely 100% in medicine.

Even if PNB went bankrupt.... the ASB shares are held in trust right? It should be safe from creditors. 

Mind I share with you what I have gone thru, share is good, the return is good. but of course, the risk is there. I gain some share before, buy then after few days, I sold it and I got more than Rm300++, it is better than FD for sure. However, if the share drops, you will lost a lot depending on how many lots you purchase.

Before you buy that share, you need to know the company back groud, their financial back ground and who is managing it. Who are the ppl involved.

Share you need to monitor from time to time, if the price is good, and IF you are not greedy, you will get some extra money sort of like bonus or angpow when you sell it.

If you have the free time and extra money, you can consider it. Ppl like me, well, I kena burnt but thank god it is not much.
I learnt my lesson.

So, I end up in FD.

There is no wrong or right, just that different ppl for different thoughts and opinion. FD is the safest, cos I dun hv to worry like shares, up and down...end up I cant have a good night sleep 

Good Luck to you...

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Added on June 15, 2010, 4:08 pm

Good to have young people like you start saving money