agree, specially for those with less capital. The longer period has the higher interest.

I believe we can estimate the chance of 5 years if the rate can reach to the rate that bank offer. Furthermore, we still can get normal rate if we withdraw FD. Try to split FD to several deposit in case we need the money for emergency use.

I dont get what you are trying to say

ahhh... those with less capital put long term, need to use then how... it should be the reverse.. loaded people who dont expect to use the fund in the short term only can consider it...

RHB FD Promo Bundled with Uni Trust at 1:1 Ratio
Effective from 13 August to 26 September 2013

3.98% for 1 year tenure, but need to buy Uni Trust at 1:1 ratio
Min RM 10K
Max RM 3 Million

meaning, 10 UT 10 K FD???

wa if like that, UT got return also?

If return+ good, if return- bad.

BR ATM card fee annual fee?

I asked on last Friday, was told it is free. But someone mentioned RM8 per year. Not sure if it is branch related or not.

But the good thing is that maybe a good opportunity to create human networks from rich and successful depositors there.

Yes, if put RM 10K in FD, then need to put another RM 10K in Uni Trust, total is RM 20K.

If put RM 25K in FD, then need to put another RM 25K in Uni Trust, total is RM 50K.

Ha ha, received invitation from Public Mutual Gold for a seminar. Guess what, in Equatorial Hotel (BoomChaCha was guessing BR holding function there). Better not to go Mistaken by the crooks.

FD, wise, unless UOB has good promotion in Sept, will be withdrawing matured FD and put to BR. After makan makan, thinking to top up a little bit more (the power of BR giving people "eating" makan makan). If not will top up in KFH with lower rate.

This post has been edited by bbgoat: Sep 1 2013, 01:12 PM

If you go towards the direction of BR, update us on your placement either for 1 year or 5 years, ok? Of course, don't forget to mention about the rate & gifts

Initially was at the counter and asked for multiple gifts for FD placement. But later was seeing the ABM, instead of more gifts, he asked do you play golf, go for lunch and too shy to open mouth to ask for more gifts like lap top bag, backpack, manicure set, umbrella, Parker pen, mug etc etc.

5 years will definitely not go for it. Based on current situation.

Lets see if UOB has good FD promotion, though definitely cannot be near to BR rate. But wise men told me cannot put all eggs in one basket. Poor man mentality.

This post has been edited by bbgoat: Sep 1 2013, 02:03 PM

This goat everywhere also got FD ! Rich Chap..

For me when asking for free gifts, mention that its as souvenir for friends and relatives, so maintain water face mah...

Make sure to update us on latest rate !

Kia si person has small amount here and there.

Good idea, next time with the ABM also will have "thick face skin" ........

This post has been edited by bbgoat: Sep 1 2013, 04:13 PM

How much the sales charge for UT?

hi all,

may i know which other bank that offer online placement of FD, like maybank? i know public bank does not offer that (they do, but u need to pickup ur certificate, which is a hassle).

does bank rakyat or ocbc offer that?

I know cimb offer online placement of FD. You can try that.

Citibank, CIMB both have that facility. Public Bank wise, they will keep the FD cert for you. Once it took me several months later to pick up few certs from them.

BR wise, I don't think they have it. Anyway for 50k or more you need to negotiate with them and may not want to do the online placement (if there is one).

This post has been edited by bbgoat: Sep 1 2013, 09:09 PM

thanks.

not as much as 50k la..actually now i practice every month try to put in 1k or 2k after salary in into FD instead of leaving it in saving. so online will help with the hassle. i can do it with mbb but just looking at other option that offer more than 3%. ocbc always has promo while BR rate is always higher

Ocbc has brought forward to end the Mega Saver on 10 Sept. Ocbc other offer is 3.3% for 9 months. It seems that banks has changed the promotion to longer period, 9 months or more with a rate lower than present....SC 3.3% for 12 months....