I have placed my 5 years FD there   

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

If you put for 61 months, you can ask for higher than 4.6%.

Yo guys, come, come. Join BoomChaCha & me in the 5-year club

But if somehow BR tanks like Titanic or IR rises, don't blame me la

I think we are on the same wavelength. Just lazy to commit. I think we are scared !! 

Bro Jebat,

Now we are in the casino, if the average interest rate is below 4.6% in the next 4 years, then we win;
and if the average interest rate is higher than 4.6% in the next 4 years, then we lose.

But when talking about Titanic issue.. , we just need to work harder to read the news about Bank Rakyat lor..

No need to worry too much la..if worry too much, how to do big thing..?

Bank Rakyat has been well established for many years, and they have been making profitable business.

But I was a bit worried when near to the general election this year..

I take this as a gamble, whether to make extra interest or to make less interest..

Of course I do not expect Bank Rakyat to become a Titanic... 

If this modern Titanic does not sink  , I would say most likely Abang Jebat and I should win...

When saying 5 years is so long, actually time passes very fast, now is August already.

For the past 14 months performance, I would say I won.

But let's see for the next 4-year results..

I only regret I did not take MBSB's 5 years FD at around 5.5% few years back because I was hesitant at that time..

Actually we are counting our money, more privacy at this time!! 

Well done, I would think it is a good decision. Dont worry about all the noises. At the end of the year, what matter is the returns. I was looking at the the 5 year tenure for some time. Only reason of not commiting is , I was thinking about some other business investment. Thanks for the tips.

you rich person. I m counting cents only !! 

I used to have one also Maybank Finance at around 9.xx%. Situation is like the stock market, if it goes high we are waiting for it to go higher. Only wise people will sell when others buy. 

What !    Counting your maid money at this unearthly hour ! What will your better half think ! 

My better half was also caught in the Koperasi collapse but if I m not mistaken the gomen gave a bailout.

But I remember one member mentioned that he could get the FD cert on the same day when
he placed the FD.
Good luck

Oh..    Sorry to hear about these, which Koperasi were that?

Did both of you get your money back?

I also gave them banker's check, but all the times they asked me to come back in 3 days to collect the FD cert.

Last year July.

They never gave me the FD cert on the same day even all the time I gave them banker's check.

I know who you are talking about now..

Former MCA President: [attachmentid=3567286]

Right?

He was a legend in business, but he was not a smart politician.
He involved in politic was the biggest mistake in his life..

I'm no longer surprised with replies at such hour from you, lol...

UOB 3.45% quite low...are you still using OCBC's 4.5% btw?

Congratulations!

4.7% is a very good deal .. 

You placed for 60 months? or 61 months?

61 months. Compared to your rate, 4.70% is nothing to shout about. Assuming that your placement & tenure are the same with me, 4.90% will earn you >$500 than me. My BR branch really   
The board rate for 60-month is 4.50% & for 61-month is 4.60%.

So, basically BoomChaCha managed to nego for an extra 0.30% for both his FD placements.