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 Fixed Deposit Rates in Malaysia V5

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BoomChaCha
post Mar 14 2014, 12:29 AM

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QUOTE(Gen-X @ Mar 14 2014, 12:11 AM)
Bro, I use notebook for years now BUT connected to external 23" LED monitor smile.gif And I get to use both screens (different windows) at the same time.
*
Ha ha.. why need to use 2 Windows at the same time..? biggrin.gif

Captain, are you interested to participate in our Group FD Campaign?

Please check out our latest 13 members recruitment on Page $104, my Post #2072
https://forum.lowyat.net/topic/2953389/+2060

You do not have to answer us now, if you are not ready.
You are welcome to join us anytime..we have reserved a seat for you.. biggrin.gif

This post has been edited by BoomChaCha: Mar 14 2014, 12:33 AM
BoomChaCha
post Mar 14 2014, 01:34 AM

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QUOTE(gchowyh @ Mar 12 2014, 05:26 PM)
How's the FD group nego coming along?

Still in the middle of recruiting members...

QUOTE(gchowyh @ Mar 12 2014, 05:26 PM)
Anyway, I paid a visit to a supposed new BR branch. But instead was only an agent for BR, Koperasi Simpanan dan Kredit Bersatu.
They have their own deposit scheme (FD) & the interest rates do look Extremely attractive but they have so far only been in the market for 2 years. However, to fund the deposit scheme, they provide personal loans to government servants & practise the direct salary deduction via ANGKASA so should be pretty safe.

However, do take note that there is no monthly interest payout like BR.
Anyone had any experience or heard anything about them before?:

www.mamasavings.my
http://www.mamasavings.my/lz_images/pdf/Pr...paFinancing.pdf
*
Thanks for the info.. hmm.gif

They have only one office in Mid Valley...
Minimum deposit RM 5K, profit return up to 9%..?

QUOTE(bbgoat @ Mar 13 2014, 02:34 PM)
Wa sai, above 100k not much lor.  nod.gif  notworthy.gif
*
Ha ha.. RM 100K not much.?? sweat.gif
That's why Top Cat calls her Top Flo..She deserves it.. biggrin.gif

QUOTE(munkeyflo @ Mar 13 2014, 04:03 PM)
Affin told me just inform them for premature withdrawal and it'll take 2 working days for the cash to be available.
*
Will this lose 2 days interest..? hmm.gif

This post has been edited by BoomChaCha: Mar 14 2014, 01:55 AM
BoomChaCha
post Mar 14 2014, 01:56 AM

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QUOTE(RO Player @ Mar 13 2014, 04:27 PM)
1.  HL bank...best is 3.4% best w/o gifts.. vmad.gif

Intro their Infinity CCard...3.38% (FD min 60k) +2% (cap at 60k) deposit in current account. Check out in their website.
2. CIMB - 3.2% for 12mth. Gifts not sure, or none.  doh.gif

3. AM Bank ..too buzy with some customer, left without query.. shakehead.gif  but they do have rice husk mug..umbrella & woven handbag..require 200k deposit.. sweat.gif
* BR gave Gold Parker Pen, worth at least RM80 to 100. BM promise me 'high tea'  icon_idea.gif  and plus towel for me..

Most banks doesnt give gifts... PB, HL Bank, CIMB.. doh.gif  doh.gif  for renew deposit
*
HL bank and CIMB give gifts la... just sometimes we need to ask...
I have never received any gifts from Public bank, Citi Bank, Standard & Chartered

CIMB last time gave me 5 regular size umbrella..
HJebat
post Mar 14 2014, 07:11 AM

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QUOTE(BoomChaCha @ Mar 13 2014, 09:57 PM)
Ha ha.. also to Top Goat, Top Flo and davinz18, very sorry for my disappearing for the past 2 days.

Because my PC was restarting and hanging quite badly for the past few days, I changed CMOS battery, tested RAM, VGA card, power supply, hard disks, the only things I did not test were the processor and motherboard, so I guess the problem should be from the motherboard. If I have time, I will get a new motherboard in this weekend.

MH370..?  hmm.gif  a mystery of the century...
*
Maybe can use the shaman's bamboo binocular to see when the FD campaign can be a success story laugh.gif
bbgoat
post Mar 14 2014, 08:25 AM

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QUOTE(kenyawood @ Mar 13 2014, 09:33 PM)
What's the min saving for CIMB Klibor?
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I think is 60k or 70k, placed >2 years ago, cannot be sure now.

Lower than Top Flo's >100k (Quote of the Day: "Not much la, above 100k lor"). tongue.gif

QUOTE(BoomChaCha @ Mar 13 2014, 10:12 PM)
Ha ha.. Thank you for your concern about me, even I am not a leng lui..?
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What is a pal for ? biggrin.gif

Notice BCC playing catch up on the posts in this forum. Ha ha ! rclxms.gif

This post has been edited by bbgoat: Mar 14 2014, 08:30 AM
cybpsych
post Mar 14 2014, 08:39 AM

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any BR stakeholders here? brows.gif wanna make some inquiries on the FD interest rate reduction? tongue.gif

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munkeyflo
post Mar 14 2014, 08:39 AM

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QUOTE(BoomChaCha @ Mar 14 2014, 01:34 AM)
Still in the middle of recruiting members...
Thanks for the info..  hmm.gif

They have only one office in Mid Valley...
Minimum deposit RM 5K, profit return up to 9%..?
Ha ha.. RM 100K not much.??  sweat.gif
That's why Top Cat calls her Top Flo..She deserves it..  biggrin.gif
Will this lose 2 days interest..?  hmm.gif
*
I need to go into hiding liao ph34r.gif

I didn't ask wor. They say give them 2 days notice, no lost of interest up to last day.

QUOTE(BoomChaCha @ Mar 14 2014, 01:56 AM)
HL bank and CIMB give gifts la... just sometimes we need to ask...
I have never received any gifts from Public bank, Citi Bank, Standard & Chartered

CIMB last time gave me 5 regular size umbrella..
*
Stand Chart so far have received gifts when go in for their investments. FDs didn't give any gifts.

QUOTE(bbgoat @ Mar 14 2014, 08:25 AM)
I think is 60k or 70k, placed >2 years ago, cannot be sure now.

Lower than Top Flo's >100k (Quote of the Day: "Not much la, above 100k lor").  tongue.gif
What is a pal for ?  biggrin.gif

Notice BCC playing catch up on the posts in this forum. Ha ha ! rclxms.gif
*
NID minimum was 100k maaaa. sweat.gif

I need to surrender with white flag like BCC already cry.gif
bbgoat
post Mar 14 2014, 08:57 AM

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QUOTE(munkeyflo @ Mar 14 2014, 08:39 AM)
I need to go into hiding liao ph34r.gif

NID minimum was 100k maaaa. sweat.gif

I need to surrender with white flag like BCC already cry.gif
*
To poor people like me 100k is a lot. Rich people (7 figure Boom, Top Flo etc etc) say >100k "Not much la, above 100k lor". tongue.gif

Ai, rich people perception of money ............... notworthy.gif brows.gif

This post has been edited by bbgoat: Mar 14 2014, 09:02 AM
munkeyflo
post Mar 14 2014, 09:05 AM

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QUOTE(bbgoat @ Mar 14 2014, 08:57 AM)
To poor people like me 100k is a lot. Rich people (7 figure Boom, Top Flo etc etc) say >100k "Not much la, above 100k lor".  tongue.gif

Ai, rich people perception of money ............... notworthy.gif  brows.gif
*
Top Cat asked how much to get those gifts ma. sweat.gif

Rich ppl perception of money is not like that leh. 1 cent also kira wan. tongue.gif
MGM
post Mar 14 2014, 09:42 AM

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QUOTE(cherroy @ Mar 13 2014, 05:40 PM)
Can't compare like that.

FD 4%, no matter how the bank is doing, loss or profit, depositors are guaranteed to receive 4%, while shareholders none guaranteed they will receive dividend or not.
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Agreed, just being sour grape. BR has been giving very good Div of >10% consistently. Whoever hold BR shares are so fortunate. Just look at their returns here.
http://1-million-dollar-blog.com/dividends/bank-rakyat/

Put in rm100k in 1997 and you will have rm1.2million today from which you can have the annual div income of rm180k for retirement expenses.

This post has been edited by MGM: Mar 14 2014, 09:52 AM
Gen-X
post Mar 14 2014, 10:11 AM

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QUOTE(BoomChaCha @ Mar 14 2014, 12:29 AM)
Captain, are you interested to participate in our Group FD Campaign?

Please check out our latest 13 members recruitment on Page $104, my Post #2072
https://forum.lowyat.net/topic/2953389/+2060

You do not have to answer us now, if you are not ready.
You are welcome to join us anytime..we have reserved a seat for you.. biggrin.gif
*
Thanks for the invite Bro, but I'll take a miss.

This post has been edited by Gen-X: Mar 14 2014, 10:11 AM
TakoC
post Mar 14 2014, 10:32 AM

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QUOTE(MGM @ Mar 14 2014, 09:42 AM)
Agreed, just being sour grape. BR has been giving very good Div of >10% consistently. Whoever hold BR shares are so fortunate. Just look at their returns here.
http://1-million-dollar-blog.com/dividends/bank-rakyat/

Put in rm100k in 1997 and you will have rm1.2million today from which you can have the annual div income of rm180k for retirement expenses.
*
What? That's conventional FD? No right?
MGM
post Mar 14 2014, 10:45 AM

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QUOTE(TakoC @ Mar 14 2014, 10:32 AM)
What? That's conventional FD? No right?
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Sorry I was off-topic, those are the dividends for BR shareholders only. Just being envious of those privileged Bank Rakyat Shareholders.
HJebat
post Mar 14 2014, 11:16 AM

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QUOTE(cybpsych @ Mar 14 2014, 08:39 AM)
any BR stakeholders here? brows.gif wanna make some inquiries on the FD interest rate reduction? tongue.gif

user posted image
*
I support this idea icon_idea.gif

Wanna know if there's any indication that BR is sinking Titanic-style rolleyes.gif
gchowyh
post Mar 14 2014, 12:11 PM

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QUOTE(BoomChaCha @ Mar 13 2014, 09:32 PM)
Wah,,think big ah..  biggrin.gif
Yes, this can be done for several times per year also, provided if some members can gather
funds at the same timing..

If we are successful for the first time, then the second time of Group FD plans should be running smoothly and etc..

*
Welcome back BCC!
Great, is 1 of the strategy to portray a higher amount as advised by Top Goat previously also tongue.gif


QUOTE(RO Player @ Mar 13 2014, 04:27 PM)

3. AM Bank ..too buzy with some customer, left without query.. shakehead.gif  but they do have rice husk mug..umbrella & woven handbag..require 200k deposit.. sweat.gif
* BR gave Gold Parker Pen, worth at least RM80 to 100. BM promise me 'high tea'  icon_idea.gif  and plus towel for me..

Most banks doesnt give gifts... PB, HL Bank, CIMB.. doh.gif  doh.gif  for renew deposit
*
AM Bank service has gotten really bad recently.
However, if you have PB, it was not too bad. Here are some of the benefits I experienced:
- free buffet at Concorde Hotel for participating in their customer experience feedback
- free meal from the RM, buffet at their PB centre
- I can sign & pre-approve transactions. If I am busy, I can just call her to authorize any transaction like withdrawal for UT
- I have gotten umbrella & food warmer for their FD promo
- PB gifts was Ceruti pen, diaries, notepad, leather baggage tag & wallet

Unfortunately, no special rate for FD even for PB.


QUOTE(davinz18 @ Mar 13 2014, 04:05 PM)
New koperasi need some time to "stabilize" & establish itself. for now just stay away first  sweat.gif
*
Ya, guess will have to give it a miss though the rate is so high, 9%!
There are some fees, even on a monthly basis though but the final rate is still very attractive for ~100k


QUOTE(BoomChaCha @ Mar 14 2014, 01:34 AM)
Still in the middle of recruiting members...
Thanks for the info..  hmm.gif

They have only one office in Mid Valley...
Minimum deposit RM 5K, profit return up to 9%..?
*
The main office is in Mid Valley, but they just opened an outlet near TTDI which was where I went.
But still don't feel comfortable putting money with them since no branches. sweat.gif
gchowyh
post Mar 14 2014, 12:41 PM

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QUOTE(RO Player @ Mar 14 2014, 12:18 PM)
public..red carpet? whts the min amt? your gifts received when? 2010? or recently? i believe early launching, they shower you with tonnes of gifts, but after tht....zero  shocking.gif
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Not Public Bank, Ambank priority banking.
Yes, mostly during the launching of their priority banking except for notebook, leather wallet & luggage tag which I got recently.

I got the personalized service until the RM left 2 months ago, which until now I do not know who is her replacement.

The amount for priority banking was RM200k but now not sure as it is no longer stated on the web site.
Oh yes, free for life visa infinite given too.
TSdavinz18
post Mar 14 2014, 03:07 PM

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QUOTE(cybpsych @ Mar 14 2014, 08:39 AM)
any BR stakeholders here? brows.gif wanna make some inquiries on the FD interest rate reduction? tongue.gif

user posted image
*
Can Non-bumi Join as shareholders? hmm.gif
bbgoat
post Mar 14 2014, 03:13 PM

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QUOTE(HJebat @ Mar 14 2014, 11:16 AM)
I support this idea icon_idea.gif

Wanna know if there's any indication that BR is sinking Titanic-style rolleyes.gif
*
Today's Star reported that BR is seeing loan growth this year. hmm.gif

QUOTE(davinz18 @ Mar 14 2014, 03:07 PM)
Can Non-bumi Join as shareholders? hmm.gif
*
They are not listed in the Bursa ? hmm.gif
munkeyflo
post Mar 14 2014, 03:16 PM

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QUOTE(gchowyh @ Mar 14 2014, 12:41 PM)
Not Public Bank, Ambank priority banking.
Yes, mostly during the launching of their priority banking except for notebook, leather wallet & luggage tag which I got recently.

I got the personalized service until the RM left 2 months ago, which until now I do not know who is her replacement.

The amount for priority banking was RM200k but now not sure as it is no longer stated on the web site.
Oh yes, free for life visa infinite given too.
*
Sometimes when RM leave for another bank, the customers will follow the RM too. biggrin.gif
bbgoat
post Mar 14 2014, 03:18 PM

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QUOTE(munkeyflo @ Mar 14 2014, 03:16 PM)
Sometimes when RM leave for another bank, the customers will follow the RM too. biggrin.gif
*
Ha ha, good one ! biggrin.gif rclxms.gif

Is it the money trail ? tongue.gif Or is it something personal ? brows.gif

This post has been edited by bbgoat: Mar 14 2014, 03:19 PM

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