signup an OCBC premier account and choose the gold art as welcome gift.

wanted to qoute brother Gen-X as my introducer as this will give extra 100 cash voucher to Gen-X but the RM said she can be my introducer, so nothing.

Also, go to OUB but been inform they had increase the AUM to 500k for the premier account. give up.

Happy playing musical chair game. Next is targeting the saving account.

HSBC Amanah Term Deposit-i offering 5% p.a. There is 30:70 ratio thingy. I can not understand this. Please check it up.

SCB is 4.01% pa for lock in one year TD. I do not like this, as the money to be freezed there for ONE year. (too long). Looking for 3 to 6 month TD whereby i can play MC.

going to bank rakyat to open a new fd. 3 month, was given 3.7% after nego. Service is good and friendly. Ask about the person of recommend thingy but the manager said must be have full name and ic (also must have account with BR) which i do not have any. Surely mr. GenX shall be the person to quote.

---

Added on November 15, 2012, 12:24 amI do not wanted to confused anybody here, after calculation of the total return, it come out to be 3.7304% (Duration is 09/nov/12 to 09/feb/13). I am using net amount i get on maturity (X) which divide by 3 and multiply by 12 which i get Y. Then Y divided by my original money put into BR to get Z. This Z will be multiply by 100 to get the 3.7304%. Hopefully some sifu here can explained more to this. Many thanks.

This post has been edited by ilovefdmalaysia: Nov 15 2012, 12:24 AM

Thanks magika. I recalculate the math, the year is base on (365 not 366) and the TARIKH MATANG did not included. For my case, (9/nov to 9 feb) will be 22+31+31+8 which is 92 days. Thanks Bro GenX, i had read through your post (http://genxgenygenz.blogspot.com). The dividend is credited monthly for my 5.5 years' tenure, but for 3 months the manager said can not. The 5.5 year interest is 4.65%. I feel ok about this.

---

Added on November 15, 2012, 12:32 pmRelated to the Hong Leong Assurance thingy, i do the maths and found that the guarenteed return is 4.3% to 4.6% (depend on age of buying) for the span of 15 years. There is also divendend from the not guarenteed part. I buy this because i think only paying for 6 year and wait for another 9 year (when it become mature) take out all to enjoy. All sifus are welcome to comment. Thanks

This post has been edited by ilovefdmalaysia: Nov 15 2012, 12:32 PM

Sorry Magika, i like to comment about this HLB. I personally do not have good experience with this bank. Now, become anti this Bank. I write in their facebook to urge people to close account at this HLB. Their service really bad. I had only one 10k FD there. Once mature. Closed it and NEVER return. This bank is SXXXXk.

I do not know how to answer you politely. Please re think your question as this thread read by many. Thanks.

HLB and HL Assurance is 2 different thing. I invested in the wealth builder and cash builder by HL Assurance. Bad experience with HLB happened after i invested in HLA and these investment is for 6 continuous year. If before, i will not entertain the HLA agent. XXX

---

Added on November 15, 2012, 10:32 pm1st question you had the answer. 2nd question, the BR did not offer any free gifts to me as i only nego about the higher interest rate. 3rd question, I went to BR jalan Tangsi. (The one near Bank negara). Thanks for asking. Cheers.

---

Added on November 15, 2012, 10:36 pmi had always ask myself "How to get 8% pa return with capital guarenteed". The best i know is ASB (i am not bumi) and ASW is 6 to 7%

---

Added on November 15, 2012, 10:44 pmAgain, i like to comment about this HLB, after merge with EON Bank, the previous staffs with EON now work in different environment. Their moral seen very down,these affect their work performance. This is my experience with now HLB (previous EON Bank) branch. Go to these HLB facebook and you can read many comment of cursing this Bank. I think HLB is going for major VSS.

---

Added on November 15, 2012, 11:01 pmFor comparing the Compounded interest on FD and the interest that i get from BR after 5.5 year mature, i do the math and found that there is 0.156%pa diff. where is about rm234/year diff. in my opinion, i rather enjoy of taking the money monthly than waiting for long 5.5 year for withdrawing all at once.

---

Added on November 15, 2012, 11:10 pmI had read the post #928, i went to HSBC Amanah KLCC to open the promotion 5%pa FD account some time ago. No free gift is given. Actually, i did not ask. (Is my fault).

This post has been edited by ilovefdmalaysia: Nov 15 2012, 11:10 PM

Hello bro plumberly, BR offer you 0.1% pa more for a year tenure. Would you please share which branch? Thank you.

Wait for another 6 months. If PR take over after election, you no need to pay anything. If BN continue in power, then pay up lor. Whatever, a debt is still a debt, pay up soonest as possible since you still afford. These money you borrow you youself had used. Moreover now people offering 20% off, WOW!!!

Hello bro, I wanted to know which branch you went to? This thing does not happen at the jalan tangsi branch. I went again to this branch and deposited some money. 3 month tenure and ask for 3.75%, the manager who I deal with several time, said ok without hesitation. BR problem is, you had to go there again few day later to collect the Fd cert.

I think nope. You must nego with the bank rakyat manager. Refer to my post #1199, i get the extra 0.1% with amount deposit <200k. But i yet to get the new FD cert from BR. Will update here when the new cert taken there. cheers.

---

Added on November 19, 2012, 10:58 pmI had go to the MBSB web site to check their FD rate, it was 0.61% pa less compare to BR (for a year tenure). Another one is the promotion 4.05% pa whereby there is a 62:31 ratio thingy. This thing is very confusing and i found it complicated. Similar thing also happened in the Maybank islamic 4.75% PMA-i acc. I do not like these type.
However, my place does not have this MBSB. Nearest is Leboh ampang and cheras which is still far for me.

Kedah BR no good, ok. Put in my mamory. Thanks.

---

Added on November 19, 2012, 11:22 pmThese OCBC 80:20 thingy make me go to OCBC many times.

This post has been edited by ilovefdmalaysia: Nov 19 2012, 11:22 PM

I had HSBC Amanah 50k open at KLCC (The 5% thingy), went to Cheras HSBC Amanah (Jalan Jejaka) for the promotion. The system check out that i had open an acc before this and not allow for this promotion anymore. This promotion is meant for new customer only. So please do not waste your time.

I shall ask for the separate FD cert during the collection of my new FD cert at BR later. Update then.

I am thinking the same question also. I assume that BR will recalculate your int for 6 months instead of one year. Suppose 6 months' interest is 3.75%.
So, you will not get full 100k.

If BR give back your 100k net, then everybody shall goes for 5 year tenure whereby you get not 4% but 4.6% lor. Right.

---

Added on November 20, 2012, 8:10 pmExactly, negotiate with the correct person. I think 100k can get 0.1% more.

This post has been edited by ilovefdmalaysia: Nov 20 2012, 08:10 PM

Go to HLB, closed the saving acc that i maintained since i had the car loan 12 years back. Done this after the 10k FD matured. This HLB still annoying me during the closing acc time. Poor bank.

If you are a CIMB preferred customer, call your RM first before you go in these investment. You can get a I-phone.

This is a SP-structure products. It's for 10 years. 250k. more info,
Ask your rm, ocbc had similar product 70k, which is better? I do not know as I do not want to misled you. For ocbc, 70k you get the entry ticket.

Back to BR to collect the FD cert after opening another 3 months tenure on 19/nov. As promise by the BR manager, the effective rate is 3.75%. Service is good as both the manager had already know me. For the multiple of FD certs, amount for a FD cert below 50k does not had any bargain power, for 50k can get extra 0.05%. Others than the amount of money, another criteria for extra interest is the tenure. 6 months longer tenure (for 12 months standard FD rate), can get extra 0.05%. Cheers.

Semakin lama anda berlabur, semakin tinggi interest lor. Today is purpose is to get the FD certs, did not ask for gift. Maybe next time.

not 1 year. i get 3.75% for 3 month.