Off topic a bit.. 

An alternative to FD is going to list soon under the new ETBS (Exchange Traded Bond & Sukuk). Those under Miti can get Bumi allocation.

300 mil, 10 year DanaInfra Islamic Sukuk, guaranteed by Govt of Malaysia. Expected interest rate is 4.5% trade able in minimum amount of RM 1000.

Issuer  : DanaInfra Nasional Berhad
Guarantor  : GoM
Offer Size Up to RM300 million in nominal value
Use of Proceeds : To finance the capital expenditure and operating expenses in relation to the development of the MRT Project
Face Value RM100 per unit of DanaInfra Retail Sukuk
Maturity Date Tenth (10th) anniversary of the Issue Date
Profit Payment : Frequency Semi-annual
First coupon / profit date payment : 6 months from the Issue Date
Coupon / Profit Rate
Listing Bursa Malaysia under the ‘Loans and Bonds’ Board
Tax exemption under Section 127(3A) Income Tax Act 1967
This bond is a retail offering, means you can opt to sell at anytime without lockup period on bursa.  Capital repayment if held to maturity.

Previously bonds have to be bought in tranches of RM 250K and involve a lot of fees and is illiquid (difficult to sell), which makes it a poor alternative to FD.