Can share why no to Uni Trust? I heard can use EPF for investment also

To each its own poison I would say. However while its good to share the merits each case has, its not very nice to often post as if its a high risk option. PIDM has been here for not so many years, so without it as before then will be keeping all the cash under the pillow. It has been overhype and the risk is very minimal. Another overhype myth is regarding the Kwsp fund imminent collapse. This has caused quite a number of contributors withdrawing and then what depositing in banks at a much reduced rates. Some forumers here even dare to increase their contribution. So who is right. Dont think too much of what we cannot control, such as the state of the economy, the stock market and the likes. Even in chaos, there will be opportunities.

Just to get rid of the myth regarding koperasi debacle, my better half including her family was refunded. Hope others old enough can share their experience. 

So old man, were you fully refunded. 

oh.. shit. I thought koperasi..no scared.. one of my sister friend say all (hearsay) withdrawal frozen...

..lah.. helping spread rumour...
That one lah... you must be a baby then.. 

So old man, were you fully refunded. 

Aiya, this has further confirmed that a lot of you are still at the baby cot or no worry on money at that time  . This was BIG news at that time. Head lines in newspaper especially Chinese papers, people queue up to get their money back ............... 

Thats what my missus told me too. That time we were just a baby , of course 

Nowadays got money also worried, no money also worried ...
but better to have money of course ,,,!

Hey, i read the full story line already.................

want to know too. By saying, the amount can't be accumulate? Because the interest is given directly to the SA. So, the interest will be the same throughout the years because is into diff site ???

what about Affin Bank SA, does it give monthly interest every month? 

Sorry , it is from RHB which I have mentioned last Friday. A member from this forum mentioned there is a confusion (from other forum) on existing and new customer rate. Took the picture and post it to share

I always get BSN and BR mixed up, lol...I thought you were talking about BR for a while there.
Yeah, it would be good to know the min tenure for the savings account. I'm guessing it should remain as long as the FD period.

’The rate payable for a Fixed Deposit uplifted before its fixed maturity date shall be half (1/2) the original contracted rate for each completed month‘
Saw this from Maybank, what does it mean actually?

So if i put in RM10k for 1 year tenure at 3.8%,
is it possible if i want to withdraw Rm3k on the 5th month ?
and what would be the interest rate if I want to withdraw all of the money?
sorry for the stupid ques. 

Thx both sifu! Understand more of the terms.
But what does 'split' means ? in 2 different FD account?

nah It's okay. 
so different cert means different account?

if it's no, how many certs can be in one FD acc?

Is the rate remaining the same 3.8% (if i split into 7k and 3k, instead of 10k in one cert)?