What do you plan to do with your Citigold service?
Other than FD, what are other low risk investment alternatives with Citibank?
Thank You for sharing your experience.

Bank Negara is expected to maintain the overnight policy rate (OPR) for the rest of this year but a possible 25 to 50 basis points hike is anticipated for next year

Source

Just came back after discussing for an hour with HSBC branch manager at Kepong.
Unlikely to offer me above 4% even if the deposit is 500k. Will try OCBC tomorrow.

If I were you, I would put FD in shorter term like 3 to 6 months and see how is the "weather" next year.

If you put in 5 years now, I do not think you can sleep well every night until bank negara announces
the new FD rate next year.

Since you heard the thunder, then bring an umbrella first loh...
It could be a sunny day? Thunder storm? Or thunder only but no rain at all? Just like car price.. 
I think so... but hopefully Captain is not abandoning us and our ship.. 

Kuwait Finance House in Pavillion does not give free parking for people who place FD there. This is different from KFH in Penang which offers free parking.

Just got informed KFH Opening new branch at mainland PG, Sunway Seberang Jaya. Opposite Celcom.

Hu.  . you even can trace back my old post few months back..really steady and    gao lat..

What gift did you get from KFH? Did you get better than their promo rate?
Wah...KFH treated you like a King..
Next time they will give you a Thai style body massage as KFH is expecting you to place more FDs with them..

You were so lucky, what if you suddenly have a dead battery in front of dolls' house?
Please becareful of twisting ears... 

Hu.... Very dangerous.. ..
Unfortunately you are a man; and I am not a gay.. ..just joking.... ha ha..
Congratulations.. a very good deal.. 
Car battery normally can last in between 2 to 3 years, it depends on how often you use the car battery.
If you use power windows very often, use high power consumed car Hi-Fi, go out at night very often and etc..then your car
battery will not last long.

You can get a maintenance free battery so that you can see the light indicator on the battery to determine the
timing to change your battery. Or write down the date you replaced your battery on a small piece of paper and paste
it on your car battery.

What if your car battery is suddenly dead on the middle of the road during at night while some road warriors (mat rempit)
with weapons approach rich man like you..?? 

If you hike in doll's house for a longer time, then you need to spend extra monies and efforts to dolls calculated on hourly basis...  How to tahan oh..?

Car battery normally can last in between 2 to 3 years, it depends on how often you use the car battery.
If you use power windows very often, use high power consumed car Hi-Fi, go out at night very often and etc..then your car
battery will not last long.

You can get a maintenance free battery so that you can see the light indicator on the battery to determine the
timing to change your battery. Or write down the date you replaced your battery on a small piece of paper and paste
it on your car battery.

What if your car battery is suddenly dead on the middle of the road during at night while some road warriors (mat rempit)
with weapons approach rich man like you..??  sweat.gif

Hi, bbgoat. Do you have any concern banking with KFH compared with other banks? As you know, it's not exactly like usual banks out there, still quite a peculiar one (to me, at least).

Ha..ha.. Thanks for the joke.. 

Your joke makes me remember my high school friends..a good memory for that funny moments many years ago.. 
I just called to UOB before I write this post.

As posted by a member previously, UOB has only one FD promo for 3 months at this moment:
3.48% rate for 3 months, fresh fund needed, effective until 31 August
Minimum: RM 10K
Maximum: RM 5 Million

As posted by a member previously, UOB has only one FD promo for 3 months at this moment:
3.48% rate for 3 months, fresh fund needed, effective until 31 August
Minimum: RM 10K
Maximum: RM 5 Million

Their notice is sending out to everyone.

Still manage to stay with them .....................My UT experience with Citibank is rather bad. Even bond fund recommended by them is NG. So I stay away from their UT and my RM knows not to kacau me with their UT. 

What I like is their service esp phone banking. Even UOB RM said Citibank phone banking  is better than theirs (in Penang ??). Parking for the Pg branch at times is horrible !

I met one Manager (Not RM) in the main lobby then I asked him about FD, but he quickly diverted my FD topic to Unit
Trust and Structured Fund topics in less than 10 seconds..

He gave me a 15 minutes Unit Trust presentation with his laptop in his small office room, he suggested me to put
50% in FD and 50% in Unit Trust or Structured Fund to diversify...

He added, non-profitable Unit Trust should be patiently held for at least 3 to 5 years, I replied: how many 5 years
do we have in our life time? 

Did UOB pay you the last day interest of your matured FD?
Did you place the 5.5% FD for 3 months from Citibank about 2 years ago (may be less than 2 years)?
The maximum FD placement was RM 200K.

He said there is one time fee 5% for investing in one Unit Trust..
He recommended OSK-UOB Kidsave Trust to me..but I did not take it, of course.

I can feel the inflation is getting worse lately..

1 Satay now is RM 0.70 (was RM 0.60)
Post brand cereal is RM 18.99 (was 13.99)
Tesco brand wheat biscuit (42 pieces in a box) is RM 19.99 (was RM 15.99)
Yogurt is RM 1.79 or RM 1.89 (was RM 1.50)

I predict milk price will increase again soon... 

So eventually did you buy UT from her..?  
Ha.. ha.. you have a good sense of humor...
I am worried the milk price increase, because I drink it everyday..

The milk I am talking about is the cow milk I buy from supermarket.. ..

Don't you feel that foods are getting more expensive lately..?

I am curious about the interest rate will go up, go down, or maintain next year..

KFH 3.80% Pa.. we need to open a saving account for interest credit right? Just want to know the saving acc will impose any annual fee? come with atm card?

I have the same thought just like you.

But I put some in long term, some in short term.

Can you share where to get 5% for 48 months..? 

No lah.. actually each of my FDs is small amount only..
In fact, only real rich people will say other people are rich.. 
This is what I think:

Rich people are not too concerned about the interest rate, but they are very concerned about the bank collapse issue.
Poor people are very concerned about the interest rate, but they are not too concerned about the bank collapse issue.
Then in this case, I support you to place 1 year FD first (mentally support only...  ); otherwise you will not sleep well
until next year. Furthermore, it is never too late for you to make a right decision next year.

I think so... but hopefully Captain is not abandoning us and our ship..