Thanks, dont understand but never mind..

Assuming you have RM10K. Since you have to invest 1:1, RM5K goes into FD & another RM5K goes into the unit trust. Since your question touches on the FD, I'll ignore the RM5K that was channeled into the unit trust.

With RM5K for FD you have a few options:

If you place it into the 1 month FD duration, you're entitled for 33.73% per annum. Since the duration is only for 1 month, 33.73% divide by 366 days in a year times 30 days in a month equals to around 2.765% of return. This means that after 1 month, you can withdraw approximately RM5138.25.

However, if you decided to go for the 3 months duration with a single deposit of RM5K, then you'll have to divide the per annum percentage by 366 before multiplying it by 90 days (12.91% / 366 * 90 = 3.175%). Once the 3 months are up, you'll gain back a total of RM5158.75.

Feel free to question me. Who knows, I might miss out some vital points here that could have caused some flaw to my calculations.

I'm a bit of a slowpoke. Anyway, why don't you pay Ambank a visit & tell us if those bonds with 0% entry fees are available for the InterestPlus FD package.

All the bonds covered in AmDynamic Bond are AAA companies but with Malaysia being Malaysia, I guess it's not very wise to trust these triple-As alphabets especially with the GE looming near.

You are right. I searched around & came upon a much more updated information: http://www.fundsupermart.com.my/main/admin...eetMYAMDNMB.pdf

The previous document that I had clearly stated PLUS being the top holdings but based on the link above, it's no longer there.

And thus with that statement of yours, the teh tarik agreement is now officially declared as null & void.

HSBC Amanah Kota Damansara need FRESH funds, right ?

most bank will take it as fresh fund as long as the cheque is not from the bank which you are going to deposit. HSBC should be the same or you can issue a cheque RM51k

If I bank into Savings --------> then open FD is NOT fresh funds right?

Erm I mean who doesn't like extra money right ? RM 1 also is extra BUT .. question is worth the "risk" or not ... If i really had to withdraw the money on the 364th day or something .. I still end up with only RM 50K right ? Not even 1 cent gained ?

Btw besides Maybank, what other bank got e-FD ?

i tried. but they said i dont have a FD account. need go branch open only can manage online, no?

For MBB, eFD need to use old FD account number added with i , if not mistaken, thats why without previous FD account number has to go to bank to open.

UOB latest promotion till end of Aug

1 mth 3.2% (better than  kept in Ocbc saving combo)
3 mth 3.5%
12 mth 3.6 %

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Added on July 19, 2012, 10:25 am

No. You can't. I tried this before and upliftment of FD done online can only be done through the same channel.

Somehow i missed this reply of yours when i made the reply to you post. Anyway, I tried to withdraw my e-FD through my home branch last time but it was not possible. This was 2  or 3 years ago. Yeah. A long time ago    Let us know if you can withdraw your e-FD at your home branch.

By the way, home branch refers to your account holding branch. Just go back to the branch where you opened your savings or current account at.

Guys, I have called HSBC in Taman Maluri, but nobody answer.
That's why i request help from here.
According to page 1, HSBC is offering Promotion 5% FD for 3months (particular branch only).

Is that mean when i put in RM10,000, i will get back RM 500 after 3months?
correct me if i was wrong

OMG, didn't notice "per annum"
So the maturity date will be ended after 3months?
What if I want to continue, the rate will back to normal isn't it??

Ya,you pointed out the main point 
What if I got 10k on hand, which bank you will highly recommended?
Any precious opinion you can suggest?