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 Fixed Deposit Rates in Malaysia V6.1, Please Read Post #1

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bbgoat
post Jul 17 2014, 05:16 PM

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QUOTE(davinz18 @ Jul 17 2014, 04:43 PM)
High risk (BR FD) comes with higher FD rate compare with PIDM (safe bank)  whistling.gif
It worth to take the risk for juz few %?  hmm.gif
*
QUOTE(AVFAN @ Jul 17 2014, 04:58 PM)
an evergreen question, which actually keeps this thread busy.

can see there is a mixed camp - some love it, some stay away like a plague.

i m with the no camp, will not take the risk, will not support such shadowy entities.
*
Well, each has their own way of life, like some interesting warrior here .................. tongue.gif

For me, spread the risk, then we are OK. Nothing is 100% right or wrong in this world. smile.gif
Okina
post Jul 17 2014, 05:17 PM

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RHB FD Rates up.

+15bp for 1mth - 6mth, +25bp for 7mths onwards.
davinz18
post Jul 17 2014, 05:20 PM

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QUOTE(AVFAN @ Jul 17 2014, 04:58 PM)
an evergreen question, which actually keeps this thread busy.

can see there is a mixed camp - some love it, some stay away like a plague.

i m with the no camp, will not take the risk, will not support such shadowy entities.
*
thumbup.gif notworthy.gif
eddie2020
post Jul 17 2014, 05:24 PM

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i feeling stupid, my money over few yr no touch dint put in fd.. lol..
bearbear
post Jul 17 2014, 05:24 PM

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QUOTE(eddie2020 @ Jul 17 2014, 05:24 PM)
i feeling stupid, my money over few yr no touch dint put in fd.. lol..
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not too late to start, at least the money is still there tongue.gif
davinz18
post Jul 17 2014, 05:26 PM

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QUOTE(bbgoat @ Jul 17 2014, 05:16 PM)
Well, each has their own way of life, like some interesting warrior here .................. tongue.gif

For me, spread the risk, then we are OK. Nothing is 100% right or wrong in this world.  smile.gif
*
yup. different people different opinion & risk taking icon_rolleyes.gif


bbgoat
post Jul 17 2014, 05:27 PM

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QUOTE(eddie2020 @ Jul 17 2014, 05:24 PM)
i feeling stupid, my money over few yr no touch dint put in fd.. lol..
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Must be super rich or super busy until forget about the money. Likely to be the former. tongue.gif
eddie2020
post Jul 17 2014, 05:29 PM

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QUOTE(bearbear @ Jul 17 2014, 05:24 PM)
not too late to start, at least the money is still there tongue.gif
*
lol... feel like put in pbb, like easier but lazy go find branch collect cert.. pbb branch is so rare
QUOTE(bbgoat @ Jul 17 2014, 05:27 PM)
Must be super rich or super busy until forget about the money. Likely to be the former.  tongue.gif
*
tak ada la... if really so buzy xada layan lyn liao lo
ccschua
post Jul 17 2014, 06:16 PM

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I also go with MBB. on the third month only get high rate.
TSGen-X
post Jul 17 2014, 07:11 PM

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QUOTE(sweetpea123 @ Jul 17 2014, 03:38 PM)
MBB also, No CASA

First 3 months = 3.4%
Next 3 months = 4.06%

effective : 3.73% , interest payout every 3 months  rclxms.gif  rclxms.gif  rclxms.gif

I go MBB now, if can get brochure, will post here smile.gif
*
Thanks for taking the trouble to post the Maybank Promor. Updated Post#1 with your image.

One of the advantage of Maybank FD Promo is that they are open to companies too. No need to go refer to commercial bankers like in OCBC or UOB.

QUOTE(zenwell @ Jul 17 2014, 04:10 PM)
can i know the UOB 6 mths 3.65% promo need min how much? i can't find info on this promo in their website. Any other fees involved?
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Should be RM10K Fresh Fund and no other fees. You can always call them to ask before going to the branch.

This post has been edited by Gen-X: Jul 17 2014, 07:13 PM
gchowyh
post Jul 17 2014, 07:15 PM

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Not sure if anyone reported so far but UOB is increasing their board rate too effective 18 July (though nothing to shout about)
1 month 3.05%
6 months 3.1%
12 mths 3.3%

Wonder when is AM Bank increasing theirs?

This post has been edited by gchowyh: Jul 17 2014, 07:16 PM
davinz18
post Jul 17 2014, 08:24 PM

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Affin Bank Fixed Deposit Interest Rates (Counter w.e.f 18/07/2014)

1 month 3.25%
3 month 3.30%
6 month 3.40%
9 month 3.50%
12 month 3.70%

http://www.affinbank.com.my/General/Rates/...osit-Rates.aspx


RHB Bank Fixed Deposit Interest Rates (Counter w.e.f 18/07/2014)

1 Month 3.15%
3 Months 3.20%
6 Months 3.25%
9 Months 3.35%
12Months 3.45%
18Months 3.55%
60 Months 3.60%

This post has been edited by davinz18: Jul 17 2014, 08:35 PM
ikanbilis
post Jul 17 2014, 08:35 PM

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QUOTE(nsx88 @ Jul 17 2014, 03:30 PM)
Latest Promo.

Straight, no CASA things. MERDEKA PROMO!!!

Standard Chartered 3.7% PA for 6 months. Best!!

Effective today till Merdeka!!
*
Do you have the link or brochure?

BoomChaCha
post Jul 17 2014, 08:54 PM

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QUOTE(bbgoat @ Jul 17 2014, 04:20 PM)
Interesting hypothesis. Instinct said no but they are under CIMB umbrella. So, yes, I think so. Rate wise should still be the same unless they revoke and return all deposit (with interest to date) to depositors.  hmm.gif  hmm.gif
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So, CIMB is Taiko la..?

QUOTE(bbgoat @ Jul 17 2014, 04:23 PM)
Thanks for the analysis, interesting !  notworthy.gif  thumbup.gif

So I may play safe, split to both, RHB and MBSB. Win win situation. But at the end still RM250k PIDM protection after the 3 (include CIMB) merge. Ha ha ha.  biggrin.gif
*
Good idea also..

QUOTE(HJebat @ Jul 17 2014, 04:27 PM)
Agreed! As long as we pay tax to the gahmen of the day...we are among those that "take advantage" of the common people especially the poor.

The gahmen used the public fund to bail out proton, bail out mas, erecting posh lamp posts in Putrajaya, buying special ink for the 12th GE and not using the ink during the election, sending some "moderate-performing" students to top universities, paying salary to MPs who debate about Datuk K & Siti Nurhaliza's wedding during Dewan Rakyat sitting rclxub.gif and many more... sweat.gif

The money shoud be used to fund people’s education or subsidise our healthcare. Well, our hospital bills aren’t getting any cheaper & our education aren’t getting any better (yea, I know, very subjective matter).

So, by right (& following one's principle) we should stop/evade paying tax blink.gif

By left *haha* just do what we think is correct & live life to the fullest

Maybe non-BR fans (with certain principle) should reconsider & comprehend tongue.gif

Of course now doesn't seem to be the right timing (again, very subjective) to deposit in BR...too much turmoil.
*
Agree....

The bottom line is we just need to pay tax to the government on time, and never against with legal money...

This post has been edited by BoomChaCha: Jul 17 2014, 10:02 PM
wil-i-am
post Jul 17 2014, 10:59 PM

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Latest FD rates from AmBank wef 18/7:
1m - 3.15%
3m - 3.20%
6m - 3.25%
12m - 3.35%
cybpsych
post Jul 18 2014, 07:35 AM

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QUOTE(sweetpea123 @ Jul 17 2014, 03:38 PM)
MBB also, No CASA

First 3 months = 3.4%
Next 3 months = 4.06%

effective : 3.73% , interest payout every 3 months  rclxms.gif  rclxms.gif  rclxms.gif

I go MBB now, if can get brochure, will post here smile.gif
*
good info, sweetpea wink.gif

any idea if fresh fund accepts transfer maybank savings account?

based on previous Samba 6 FD Promo, although it stated as fresh fund required, maybank savings account is accepted.
magika
post Jul 18 2014, 11:04 AM

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QUOTE(davinz18 @ Jul 17 2014, 04:43 PM)
High risk (BR FD) comes with higher FD rate compare with PIDM (safe bank)  whistling.gif
It worth to take the risk for juz few %?  hmm.gif
*
QUOTE(AVFAN @ Jul 17 2014, 04:58 PM)
an evergreen question, which actually keeps this thread busy.

can see there is a mixed camp - some love it, some stay away like a plague.

i m with the no camp, will not take the risk, will not support such shadowy entities.
*
No PIDM = high risk , better everyone take out faster.. thumbup.gif

Sometimes I wonder how we can achieved HNWI status when every little thing also considered risk. Crossing road also risk must better buy higher personal insurance. Have a bath also risk of falling on slippery floor. In order to progress we must define what is risk and what is relatively safe decision. If we covered ourselves with the common perception then we become common low worth individuals. On a personal note, i did not buy any insurance for my family eventhough the common perception is a no..no.. Its just how are we going to achieved our financial goals when our yearly accumulation of savings has been eroded to achieved perceived safe ways. I am debt free and eat, buy, travel whenever whatever I want in my own concept. It would not have happened if I am kiasu and follows common thought . Feel free to deposit in whichever instituition you like but to put a spotlight on others preference is liken to a godly decision. Oh.. i have been through the kooperasi debacle , only my better half has been affected but no loss. My 2 cents.. yawn.gif

TSGen-X
post Jul 18 2014, 11:53 AM

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QUOTE(gchowyh @ Jul 17 2014, 07:15 PM)
Not sure if anyone reported so far but UOB is increasing their board rate too effective 18 July (though nothing to shout about)
1 month 3.05%
6 months 3.1%
12 mths 3.3%

Wonder when is AM Bank increasing theirs?
*
QUOTE(davinz18 @ Jul 17 2014, 08:24 PM)
Affin Bank Fixed Deposit Interest Rates (Counter w.e.f 18/07/2014)

1 month  3.25%
3 month  3.30%
6 month  3.40%
9 month  3.50%
12 month  3.70%

http://www.affinbank.com.my/General/Rates/...osit-Rates.aspx
RHB Bank Fixed Deposit Interest Rates (Counter w.e.f 18/07/2014)

1 Month  3.15%
3 Months  3.20%
6 Months  3.25%
9 Months  3.35%
12Months 3.45%
18Months 3.55%
60 Months 3.60%
*
QUOTE(wil-i-am @ Jul 17 2014, 10:59 PM)
Latest FD rates from AmBank wef 18/7:
1m - 3.15%
3m - 3.20%
6m - 3.25%
12m - 3.35%
*
Thanks for reporting, updated Post#1

Affin Bank only increase 0.1% for their 12 month FD sad.gif

RHB 3.45% 12 months higher than CIMB.

This post has been edited by Gen-X: Jul 18 2014, 11:55 AM
Human Nature
post Jul 18 2014, 11:56 AM

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I have to say 12 Months 3.45% for RHB bank is not too shabby.
bearbear
post Jul 18 2014, 12:12 PM

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how to ignore affin 3.7? biggrin.gif

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