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...