I do not want to give your wrong information to cause you to blame your Bank Rakyat branch.

In fact your Bank Rakyat branch has given you a good deal if comparing to my deposit amount.
Both of my my FD amounts are more than RM 50K.
Keep your FD cert in a safe place, it will be troublesome if you lose your FD cert.

u no scare ! no PIDM 

Note: Pls make sure to recalculate and compare to the sum printed on cert which includes principal plus total interest. For auto renewal make sure new cert is issued and recalculate also. Dont check later dont quarrel. 

Ha ha, after reading you guys thread, my 4.2% 12 months FD rate seems low already, envy loh 

When my FD due starting Sept, will put some into 61 months and see if can get 5% or higher !

Also BoomChaCha has been counting asset into wee hours and also good in negotiation to get 4.9%. 

Ha ha, will send you a cyber drink if can get 5% or higher for the 5 years rate ................. Cheers 

BoomChaCha is surprisingly quiet last night, no update, lost in counting ??    Need any help ?? 

add 10.15am Oh, maybe BoomChaCha is having Saturday Night Fever as the name suggest, boom .. cha...cha...??

As my last placement with BR was before CNY, so the invitation is after my last placement with BR of the 4.2% interest.

Also I got 2 hampers with them as I told the ABM that I have 2 accounts with them (one joint account) both exceed their minimum requirement to get the hamper. Ha ha. Except not too happy with the hamper content, seems not too high value. Well, it is free .................

I think you are in the wrong thread. We managed to accumulate RM all these years and do you think we were born yesterday. We may be naive on some things, but on certain things we do know whats happening. It maynot be known to you, but most of us have some other little things going on to increase our net worth. It may not be what you ecpect ie UT, HLA, PNB or whatever but certainly it is things that we ourselves are familiar and comfortable with.  Oh we do read investment thingy and also motivation books. Rather than go with the grain of the myth in investing what every tom, d*** & harry says, we rather go with our own formula. Oh, I do invest in shares (sometimes speculate also) and present holding of bluechips RMxxx k worth. But its not everyone cup of tea. What we deposited in FD is practically a very sure form of investment with returns that is acceptable to our ownself. Thats why we counted the returns every year rather than go with branded banks which gave lower than average returns. We are mostly generation X and we debunk the myth of saving only in instituition thats secured by popular belief. Some of us are also caught in the kooperasi debacle sometime back, and yet you think we are without experience in risk management. Nothing is really sure in this world but as money instruments FD is FD which ever way you look at it. PIDM or deposit insurance has not yet been proven to work anywhere in the world. Its a form of tax as in saying if the govt in the future need to bailout any banks, it might as well earn something currently though it still beats anyone how it actually works. Banks nowaday are practically tightly monitored by BNM, and rightly they are trying to comply with the BASEL accord for good banking regulations. 

Wow. I am impressed. I just asking some questions and see what i have got? Strong bold comment. Seem like i am bashing you guys, but in fact I AM NOT.

I NEVER compare anything. But, sigh.

If want compare, compare 90's FD rate to now.

Up to 12% ( ComB, MBB, HSBC, PBB ) compare to now, which is 3 - 5 %. 

I know the chances for a bank to fall is relatively low, but i am just concern about it, please don't get me wrong, mate.

Nope, i din't compare, because HJebat did mention in the reply   

I am quite new in FD, thats why i ask more about BR. 

I think is impossible for me to got 5% since i can't made it to the min req.

Ok, fine, I did. I do. I want compare at first. You satisfied.

A very simple enquiry, does the rate of A will higher then the rate of B. And its not " rate of A will for sure higher than the rate of B "

Holy. If you me to apologize, fine. I am sorry then. And this thread isn't for enquiry and discussion of FD at first? :/

Eh, I ain't get any hamper nor invite to makan-makan. 
Are these branch specific goodies again. Haiz...

Yes,  I always count my money and assets:  [attachmentid=3569773]

That is good but hopefully dont count your maid money and touch her assets. 

With slowing economy, IR is unlikely to rise in near to medium term.

IR generally rising with robust economy, high inflation. Both GDP figure as well as CPI doesn't suggest BNM will be hawkish on interest rate.

4.13% is a good rate. You can try to get higher like 4.2%. If higher, let us know and it will be a new record for 12 months rate. Anyway 61 months have even H I G H E R rates ............................

which FD will giv such high rate?
Are you guys referring to other investment instead of FD?

Can you recall when was this, recently ? I may have missed it. Last time in Feb I was trying to get 4.25% but was not successful. Thanks.

Ha ha, forgive old man has short memory lah.

Wa sai, challenge now loh. You may be disappointed as I will forget about this  l a t e r ,  bay ki liao ................

Yeah...to me, eventhough I'm so particular, sometimes I feel is it worth the troubles or headache over an insignificant amount...and to be tied up so long just to get that. So, I guess my take for my own preference is...nothing more than a year.

What do you mean?
No good? It does not work this way..?

Or you want to treat me a dinner?