If it is not proper to discuss in this thread, pls pm me the outcome of your kwsp visit, thanks in advance.

Lol, if you got funds and satisfy my rates then come lo..Haha, I always let customer make the decision .

I typed every individual has different risk profile mah...so, for me FD has the lowest risk. EPF has a notch higher risk than FD, though both are considered to be in the low risk bracket. That's why wanna know your POV why wanna transfer cash from FD to EPF.

IINM, EPF guaranteed a return of 2.5% no matter what happens to the economy, betul ka?

Ok, I thjnk what Top Goat does is exploit loopholes thru voluntary contribution using Maybank.

Point taken.

Top Goat ...Mind sharing the process of contributing thru Maybank. I saw M2U have the option , can it be done.

KWSP has implicit gurantee of minimum dividend payout, so why not as its payout is not bad. I will be happy of 5% every year with no yearly service charge. At present I m debt free with investment also taken care of, so my excess fund will see better returns then ever year haranguing with BM on FD maturity. I still maintain a sizeable deposit in FD.

This post has been edited by magika: Mar 31 2014, 09:44 PM

hmmm guys, ever wonder why does CIMB eFD made my placement today maturity date for 2 months FD on June 2nd? Catch no ball......

Ai..really beh tahan..want my phone number also..?
If confirm this PM is from a leng lui, then maybe I give la...

Ok... Thank you

OK, thanks...points taken too

The main disadvantage regarding EPF is that I can't withdraw the cash as I wish, so won't be heading towards that direction...yet. Probably will consider it after I'm debt free.

Just a long shot...your 22 years old Proton, is it Proton Saga Iswara?

Wah, you beh tahan & don't want to give your phone number to a guy, but have no problem to give it to a leng lui???

How you know I'm not a leng lui leh? I'm very leng & lui somemore

Please give me your phone number...

he must be getting a better car.thinkingg it is Perdana exccept Perdana <22 yrs old?

You from upp North country?

I also received messages from a promoter last night so it is a good idea to safeguard our privacy.

Its called Proton Iswara. Its my trademark which consist of paint blistering all over and rusting and rattlkng sound.

Maybe...perhaps...possibly...uncertain...don't know

Why? You wanna kao lui?

Since you're a new member to LYN, why not intro sikit2 yourself here

Don't forget to mention your best & worst FD placement experience as well

north country Thai,he he

cannott introduce u very demanding bossy.

This post has been edited by sandkoh: Apr 1 2014, 09:43 AM

more like Mercede for you.how can it be Iswara??

please update us today.what is other option? tq.

Wah, me so keng...1st attempt guess oredi kena cun-cun Do I get a present from you for my keng"ness"?

You also very keng, debt free with enough money to save & invest. Sure won't face any problem that is too difficult to deal with during uncertain economic conditions.

I only give present to leng lui one.

Regarding monthly crediting of interest, I found it lethargic keeping track as too many deposits with different dates. On maturity, next time will opt for payment on maturity.

Went to Affin Bank today n was offer Affin FD-SIS Combo plan
Is this plan worthwhile?