I have placed my 5 years FD there   

Still have 4 more years to wait for the FD to mature.. 

MBB Promo M2U is back...for 1Aug - 14 Aug..

same old....i-deposit....will get 3.2% but again RM100,000....seems not many people going for this..

just to share if u have not been reading. besides new gomen ruling on borrowing and fitch downgrade, there's a whole string of articles in the past few days and weeks on the the severity of the local debt situation, borrowers and bankruptcies. let's just hope all is still under control. however, do know the bank where u keep yr money.
At the tip of the tentacle – 3,000 civil servants bankrupted in just 1 year
http://www.themalaysianinsider.com/malaysi...-in-just-1-year

Living on the outskirts of their income, Malaysian civil servants
http://www.themalaysianinsider.com/malaysi...n-civil-servant

‘Housing, car loans cause of rising debt’
http://www.freemalaysiatoday.com/category/...of-rising-debt/

i wanna ask, if i put money in maybank2u e-FD account, i choose 3 month 3%pa, but after 2month i take out money, wat will happen? they count interest base on daily one?

Just renewed my bank rakyat fd

I was in RHB yesterday, SA is considered as existing customer. Pure FD rate is better as RHB want to reward their exsting customers...there s a target limit, once reach, this offer is closed.

Existing customers means having account prior to 1 Aug. thus if you open account in Aug you are still considered as "new" customer. this is what I was told yesterday

Dont have to compare, look to the future. I still kept a copy of FD with Maybank Finance at 9.xx rate. Been there done that. 

since u asked, just to share... i do not put my money in non-pidm entities. i do not hv experience with them, but.... i just want no exposure to the non traditional, often labeled "shadow banks" that hv certain risk, a risk anyone can dispel or take seriously. no one can say that is right or wrong, just an individual's risk appetite at best or perception at worst.

see, 99% of the time, nothing happens, all is safe. but what if that 1% happens to you, what do u do?

like life, accident, medical, home burglary insurance, there is no value in buying n paying until n unless you know it happens to u. such is the nature of insurance.

all said, it's all about how u view the local economy, yr confidence on the banks incl bnm, yr trust on the politicans and the the real state of  the economic health n the accompanying intrigue that surrounds us.

so, wat is yr perception?

Same here, my portion on FD is my FD. And I do have some FD on PIDM protected bank too. 
My UT do yield >5% p.a., but that is a separate portfolio, diff risk level.
I have another portfolio on Dual Currency, that yield >10% p.a.. Again it is a separate basket, higher risk. 
Am looking into REIT, but don't have time to start another portfolio. 

Then where is the best safe way to put the money?

Which kooperasi are you talking about?
Is it the one from MCA during 1970's or 1980's?

If in your opinion?  Can you share?
For example, let's say if you have RM 50K cash, where would you put your money now?

Just for discussion only... 

马化合作社?

This koperasi collapsed case (about 30 years ago) involved of a politic issue..
If somebody wants to use this as an example to reflect xx.. I would say he/she uses a wrong example..
Both have different backgrounds and business objectives..

A koperasi was formed (30 years ago) only benefit to one race and without looking at the reaction of the
"country manager" nor listening to his advice...so this was the outcome...