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...??

This post has been edited by bbgoat: Aug 4 2013, 10:18 AM

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 .................

You don't have to place a single FD cert of high value with BR to claim high interest. My FD's with BR are split into lower values in case I need the funds. It is the cumulative value that is important. Also you have to see managerial level to negotiate. I also get monthly interest and use IBG to xfer funds.

Anyway in spite of all the hype about BR, I still do not put all my eggs in a single basket. Just to answer some of the doubts of people or sceptics talking about BR. There are always risks in life, even FD with PIDM of up to 250k per account. It is a matter of how high is the risk. Unit trust always claims to have high return, but I did not see consistent return from them. Most of them did not make much or lose! Except one particular public company's funds. I do have unit trust and shares as investment vehicle.

So always split your funds for various investments/savings, and don't put all eggs in one basket!!

This post has been edited by bbgoat: Aug 4 2013, 11:17 AM

This "old man" has his money refunded related to Koperasi collapse.

Ha ha, I have earlier said you are too "young" to learn about it or am I wrong "old boy" ??

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 ...............

I am using the Jelutong branch. Referer can get 0.1%

Good, so now Mach HL is opening in Pg. Unfortunately missed their previous promotion! Thanks for the info.

Last time I was told by HL staff I have to open the Mach account separately. That time, Penang do not have a branch yet.

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 ............................

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 ................

It depends on the individual. For larger amount, the diff is even more. Several factors are involved like amount of fund available, need for the fund (short/long term) etc etc. Combination of short/long terms FD is a good strategy. I used to be thinking of 12 months. But after joining this forum, have started to swift more to combination of the two. Of course whether the IR will goes up before the 5 years FD is up we never know.

Right, right .................... But also some short term one in case we need to feed ...............u know lah

U no scare people chasing this kitty ??

You read my mind ......................

I was told by the BR branch that there are people putting in few millions with them and I was their top xx customer.

I did put in add'l money to EPF. No scare lah, hoping to get 5 to 6% return next year.

Yes, I have mentioned before for hampers, invitation to lunch, it is very much branch dependent. If you are in rich area, the requirement will be higher. The branch will invite/give based on quota. For the hamper during CNY, the ABM showed me their list and said they cut off at certain FD limit for the hamper. My sister did not get it because of the amount she placed. I got 2 due to 2 accounts. (he gave me 1 and I asked for 1 more)

I am their top xx to 99 customer .............................. Have already finished counting my limited money and don't have to be like some of us still counting into wee hours ....................

Don't tell my wife, please .....................

This post has been edited by bbgoat: Aug 9 2013, 04:44 PM

delete

This post has been edited by bbgoat: Aug 9 2013, 04:44 PM