Bro, haven't seen you posting recently, thought you relaxing with you know what, hehe. Published another article titled  Spending Children Inheritance and made reference to some comments here in V4 

As for BR, I not so brave to go deposit with them, haha
Bro, you are absolutely correct, best is first day of the month.... unless the last day of the month when the maturity date falls on or Sunday or Public Holiday then automatically the FD cert matures on the next working day and as such you get extra one day at 4.2%.
And some are worried about no PIDM, haha. I guess to be more accurate, they should say Jaminan daripada Rakyat Malaysia 

Bro, thanks for the info. Anyway, for deposit amount >RM20K, do you get the dividend monthly?

No need 1 M, you can get that rate or better if you put in retail bank bonds usually long term 5-15 years, aka Medium Term Notes. 1/4M+ enuff. But must catch it fast when it comes.