Because last time I ask a question from this thread version 1 and I was told like that.
So means I was misinformed?

Means I have to adjust my formula?
Drat

Count manually so slow
I use spreadsheet done in just minutes

Mind giving me the formula? xD

Bro, the rules state that no mlm scheme.
The no homework rule only applies for education corner.
Just admit you are not willing to share your knowledge.
This thread is made to discuss about fd so I have the rights to ask for guidance.
Or else this thread beats the purpose.
If you talking about shares maybe you won't want to share your secret but this is fd.
Even you know the kungfu the bank won't give you any privillege.
I duno what you will get by not sharing the knowledge but what makes you and me different is I have the guts to try and share it out while you don't.

I thought this is like unit trust?

Thanks for reply. Anybody know how to track this part of forum?

HI, newbie selling Hongleong assurance saving plan here. Like to ask if i put RM10000 for 3 month fix D, at interest 3 %, so how much will i get after 3 month?RM10300 or RM10000+ 300 interest x 3 month = RM10900?

ohoh, its a 3 % interest for a year , if 3 month is 300 interest divided by 12 month x3 month =RM 75, why rough estimate? any surcharge?

As i read here most high FD rate need at least 10k (too much for me ), any bank offer rate >3.3% which can put in only 5k?

btw, how to qualify for HLB Priority banking?

As for Privilege Banking, this is what I know should one AUM falls below the required amount to maintain PB status:

HSBC - don't know.

Is I am not mistaken, CIMB calculates FD rates based on monthly basis,
but not daily basis

Does SCB open today?

Today went to SCB to withdraw my funds and was informed that they are going to offer 4% interest rate; but, my RM said she has yet to read the terms and conditions and therefore could not advise me.

Anyway, withdrew the funds from SCB and proceeded to OCBC and was surprised that they have promotion for new Premier Banking Account. So ended up opening a Premier Account with OCBC and getting 5% Interest Rate for my FD  Click here to read more about OCBC Premier Account which enjoy 5% Promotional Interest Rate for 3 months.

You have been misinformed, I can confirm only need RM1K in new current account because my FD cert clearly states 5% Interest for 3 months.

Seriously, there is nothing good with OCBC Premier Account i.e. no Premier credit card that comes with the account.

I went to SCB this afternoon, RM there told me that in order to get
5% interest rate, I can put 50% of fund into 5% FD p.a. account for
3 months term.

And the remaining 50% of funds will put into 3.8% p.a. for 9 months
term, buy need to open the followings:
    (i)  FD account
    (ii)  Saving account (RM 20 to open)
    (iii) Current account (RM 400 to open)

According to them, deposit all 100% fund straight into 5% FD account and
without opening a saving account and a current account is not allowed.

@Miles - I was wondering how a "newbie" can reply the way she posted until I read the note.

Just notice that my e$aver account becomes e$AVER PLUS ...

here is the latest on SCB offer.

eSaver Plus Account, for selected customer who had previously deposited RM1,000,000 in October, they will get special interest rate based on tiers.

First RM500K - RM3%

Next 250K - 4%

No, he is freaking rich 

I think we can categories the people here as follows

FDMCG - FD Musical Chair Gamers