To top up the FD?

Do you mean can add additional fund later to the existing FD account?

Thanks for the update.



This post has been edited by BoomChaCha: Mar 8 2013, 05:29 PM

Let's say if I open my Mach FD account tomorrow, and Mach FD promo ends on April, I still can add fund to my
existing Mach FD account after April?



This post has been edited by BoomChaCha: Mar 8 2013, 11:38 AM

Thank you so much for pointing it out. Captain

We are all aware that you have been very helpful to members here.

Thank you so much for your significant efforts to this thread.

One same type of rice is eaten by many different type of people, just relax and take it easy..



This post has been edited by BoomChaCha: Mar 8 2013, 05:53 PM

Since you admitted you were wrong, this statement indicated that you are rational, humble, and responsible man.

This is really not easy when a person can admit he is wrong



This post has been edited by BoomChaCha: Mar 8 2013, 06:36 PM

First of all, I do not favor to anybody.

I think you made MilesAndMore pissed off in the first place was because you asked him to end his topic on your post #153.
I am sorry to say that your statement was quite offensive lah...
Why cannot talk nicely to each other meh..?

Or perhaps you did not have the intention to offense MilesAndMore, but just the way you communicate to people is like that?

If MilesAndMore was wrong, he would admit it..

I posted a wrong HSBC Premier FD information on post#144, Captain corrected me on his post #160,
But Captain did not ask me to end my topic...



This post has been edited by BoomChaCha: Mar 8 2013, 06:44 PM

3.98% for 6 months tenure, 8% of FD needs to put into CASA -- for below RM 100K FD deposit.

(3.98% / 100) x 8% = 0.3
3.98% - 0.3 = 3.68% p.a.

So the effective rate is 3.68%? Assuming if no interest from CASA.
Is my calculation correct?

Anybody knows what is the interest rate in Hong leong saving account for this promotion?


PS: Thank you for the info, Captain

This post has been edited by BoomChaCha: Mar 9 2013, 03:27 AM

Are the FD certs on A4 size paper?

My FD cert size is 21cm x 15cm.
Each FD cert comes with a Sijil Pelaburan BKRM on A4 size and has 2 signatures (Bank Rakyat & depositor) on it.

This post has been edited by BoomChaCha: Mar 10 2013, 11:57 AM

My Sijil Pelaburan BKRM is a A4 size form, not computer generated.
My FD account type is Mubeen.

I made my FD placement last year.

OCBC FD Promo For Existing/Old Fund: - Effective 1 April 2013
Islamic FD for 3 months: 3.5% p.a.

OCBC will revise their FD promo in quarterly basis.

This post has been edited by BoomChaCha: Apr 1 2013, 07:37 PM

This was what I heard when I was in OCBC this afternoon:

(1) To place regular FD (Non-Islamic) from existing fund - effective 1 April 2013:
3 months or 12 months for 3.4% p.a.

(2) To place Islamic FD from existing fund - effective 1 April 2013:
3 months for 3.5% p.a.
12 months FD is not available for Islamic

(3) To place regular FD from fresh fund - effective 1 April 2013:
3 months for 3.55% p.a.
12 months for 3.7% p.a.


bonus savers promotion (2/3 FD @4.5% and 1/3 Savings) continues till end of June.

This Bonus Saver FD promo is also available, it requires fresh fund.



This post has been edited by BoomChaCha: Apr 1 2013, 09:20 PM

RM 5000 into 3 months FD, RM 2500 into CASA (suggest to sign-up Smart Savers).
So the total minimum is RM 7500.00

Thanks for the update.

Does it mean in order to receive full 4% interest, partial withdrawal can only be made after 6 months?
And need to maintain minimum balance RM 10K in the FD account when do a partial withdrawal?

Does it mean that the amount of partial withdrawal before 1 year maturity (partial withdrawal period is after 3 months and less than 6 months) can
only get 2% interest?


Summary:
Partial withdrawal within 3 months: the amount we withdraw will get zero interest
Partial withdrawal after 3 months and less than 6 months: the amount we withdraw will get 2%
Partial withdrawal after 6 months: the amount we withdraw will get 4%

Please correct me if I am wrong



This post has been edited by BoomChaCha: Apr 2 2013, 05:25 PM

I have a question about OCBC Smart Savers:

(1) If I place a 3 months FD Bonus Saver bundled with Smart Savers on 3 April 2013, it will mature on 3 July 2013.

(2) And if I place second 3 months FD Bonus Saver bundled with Smart Savers on 15 April 2013.

When my first Bonus Saver matures on 3 July 2013, how do I withdraw my
first 1/3 of money in Smart Savers on 3 July 2013 if I do not want to get 0.5% interest, since my 2 amount of funds are combined in the same Smart Saver account?

I know the solution is to have 2 Smart Savers accounts so 2 funds will
not have conflict of interest when make withdrawals.

What if I want to place 3rd Bonus Savers on the same months?

I just called to OCBc Hotline for this issue, they suggested me to
talk to the branch to see if they allow me to have additional Smart
Savers accounts?

Any suggestions?

Another solution is to open one more Smart Saver account in another OCBC branch

No, you do not need to open a saving account with UOB for this 12 months 3.7% FD promo.

You bring the FD cert to UOB upon FD maturity, UOB will pay you cash or give you a check based on
your request.

Check out terms and conditions here:
http://www1.uob.com.my/assets/pdf/tnc/SuperDealsFD_tnc.pdf

MBSB's FD Advance Interest Promo.
Maybe they learned this from KFH?

Effective from 1 April until December 2013.

The interest rates are not very attractive.
But the FD minimum deposit is only RM 1000.00

Their promotion flyer comes with English and Chinese.

Check it out here:
http://www.mbsb.com.my/misc/FantasticReturns.pdf