Fixed Deposit Rates in Malaysia V3, Read 1st post to find highest rate.
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 Nov 7 2012, 10:20 PM
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#1
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1,864 posts Joined: Apr 2011 
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QUOTE(ngaisteve1 @ Nov 7 2012, 03:24 PM) it is not FD rate. Example if you have RM300k loan, and if BLR is 6.6% and bank offer -2.4%, so the interest bank charge is 4.2%. But if you money say RM20k to dump into that current account, bank will give you back 4.2% for that RM20k. So, it is indirectly 4.2% p.a. Am i right? Fuyoh....you are a brilliant investor ! Potential to overtake those wall street genius ! Thanks for sharing the idea     |
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Nov 9 2012, 07:01 PM
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#2
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1,864 posts Joined: Apr 2011
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QUOTE(aeiou228 @ Nov 9 2012, 12:37 PM) There is a risk of capital loss though but no as high as if you buy the real property directly. Unlike real property, you can cash out the investment within days if your gut feeling tells you the rental properties market is coming down. I'll let other members here to list down the disadvantages of REITs.  |
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Nov 10 2012, 09:12 PM
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#3
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1,864 posts Joined: Apr 2011
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QUOTE(aeiou228 @ Nov 10 2012, 05:40 PM) REITs in Malaysia have not been tested by such severe market crash, thus no precedent to qoute. There wasn't any REIT during the stock market meltdown in 1998 if I'm not mistaken. I'm sure panic selling will definitely put on downside pressure to the prices of REITs. But the lower the price the higher the yield as mentioned by Bro gark above. Which REIT bargain hunter wouldn't jump in to buy IGB (MV & Garden Mall) and Pavillion REITs when the divident yield above 10% ? Good point. Reits are more price resistance as their business is relatively more stable compare with other companies.On the other side of the coin, the same can be said when the market rise from 1200 to 1600, the price of Reits should lag behind ? |
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Jan 16 2013, 08:05 PM
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#4
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QUOTE(RO Player @ Jan 16 2013, 08:01 PM) effective rate 7.75%?? or what?? highest is BRkt for 4.11 to 4.21..seems urs..abit He is in Indonesia   |
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Jan 27 2013, 11:04 AM
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#5
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QUOTE(danmooncake @ Jan 27 2013, 09:21 AM) Looks like EPF divi returns are quite good even during the worst of times (2002-2003, 2008-2009). Boss, if you look at the history back to 1980s, you may not think it is "quite good"Sum more, it can be compounded over the years... 1983-1987 8.5% 1988-1994 8.0% 1995 7.5% 1996 7.7% 1997-1998 6.7% 1999 6.84% 2000-2011 NEVER MORE THAN 6% |
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Jan 27 2013, 12:32 PM
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#6
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QUOTE(adolph @ Jan 27 2013, 11:23 AM) 2012 - 6.00% dividend, Taiko, if you want to compare other country's retirement fund, it would in better perspective if you could compare more countries, both 3rd world and developed countries ?better than Singapore Retirement Fund (CPF) or known as Central Provident Fund, Ordinary Account (OA) since 1995 to 2010 average 2.8% interest to maximum 3% interest. SMRA Account or known as special and medisave account (SA) mainly for 4.10% interest rates over 5 years. 1# Minimum OA account - 2.5% interest rates 2# Minininum SA account - 4% interest rates Info, http://mycpf.cpf.gov.sg/CPF/News/News-Rele...Oct2011_MF3.htm http://mycpf.cpf.gov.sg/Members/Gen-Info/I...s/Int-Rates.htm http://mycpf.cpf.gov.sg/CPF/News/Highlight...investments.htm If only 1 country, then can I choose India to show better interest rates declared to show my point ? |
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Jan 27 2013, 12:39 PM
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#7
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QUOTE(gsc @ Jan 27 2013, 11:34 AM) Comparison has to be made against the bank FD. During 1983...1995...bank FD is 6 to 7 %. In short generally they always declare slightly higher than bank FD I agree  I was referring more to the usage of the fund lent to the government. How the government use low yield EPF loan to manage the country. If the government borrow less, then EPF will have more opportunity for better yield assets, hence better returns to us. I have max out whatever I can withdraw from my EPF a/c. Just personal financial preference But if I go further, I will be OT in this thread. So, I think it is appropriate for me to stop |
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