Can I join name with my nephew?

Not allowed... must be parent-child relationship as Birth Certificate is required.

Read thru past few pages. Seems majority are talking abt HLB FD promo. Any good ones for 3 or 6 months tenure besides HLB and OCBC?

UOB

Read thru past few pages. Seems majority are talking abt HLB FD promo. Any good ones for 3 or 6 months tenure besides HLB and OCBC?

Public Bank "FD Fortune" ending 31 March 2013
6 months -  minimum placement 10K ( FD 80% : SA 20% )

Promotional interest rates:
1st – 2nd Month 3.68
3rd – 4th Month 3.88
5th Month 4.68
6th Month 4.88

What's the final calculated rate?

I have spent some time reviewing my Fixed Deposits for the Year 2012 and am glad to say all my deposits gave me returns of between 4.00% - 5.00% pa for that year. Prior to that, I was only receiving between 2.85% to 3.00% pa. This is due to my own apathy and also due to sentiment that FD does not generate much return. It was only in beginning of 2012 that I started seriously calculating and scouting for better rates and thanks to this forum, I did good for the year 2012. I would also like to mention that at the end of the year what matter most is the returns. Like most people generally, I used to deposit and forget at Maybank (safest bank in Malaysia) which gives a pittiance around 2.85% pa to 3.2x% pa. Banks like that are capitalising on depositors conservative sentiment. In all the years being conservative has made me a loser in terms of yearly returns (its quite a large sum ). So I will say to all , at the end of the day, total returns matter the most. Ha..haa...

I have one with UOB. Is it still 3.5% for 3 months?

Just curious, why do you limit your FD tenure to a 12-month max & won't go for a longer term?

You did mention before that you'd rather put your money in EPF for long term placement, but what about, say 2 or 5 years tenure? Does that consider as long term to you (in terms of FD placement)?

Would like to explore & see things from your perspective

As I have previously mentioned, longer terms FD might as well deposit in EPF as historically it has been paying above even 5 year deposit FD rate. This few years maybe I have some other things going so just take a year deposit will do. Thats the longest term in my plan that I can plan.

tis hong leong "4.18%" effective 3.9x% with pidm must be the highest available now.

all branches, easy to do, no hassle, few conditions.

with bursa and props not showing good signs, significant cash will have to find a temp parking space.

i expect them to be full and close soon. do hurry!

Yes and 3.65% for 9 mths.

Latest CNY Offer from RHB. 21 Jan 2013 - 28 Feb 2013 or on reaching RM500m.

3.88% pa flat for 12 months FD. New Funds. No need CASA, PIDM eligible.

Latest CNY Offer from RHB. 21 Jan 2013 - 28 Feb 2013 or on reaching RM500m.

3.88% pa flat for 12 months FD. New Funds. No need CASA, PIDM eligible.

Say..can you add money in EPF without a direct employer contribution or a job in Malaysia?