and affin not so many people like ocbc, mine kautim within 30 minutes. From taking number to walking out with Cert.

oo also they run the lucky draw promo, chance to win a benz cla 200

Affin offering quite good interest rates.. but branch limited...15 months alang -alang? 2-3 years hmm good, cash rich...

yup.. because of the traffic flows.. very fast, Ocbc famous, just dunno Affin will go bankrupt or not.. steady or not this bank..

Have you make up your mind? Going to deposit your FD in Affin or BR?

Affin kinda "gomen link" company. Lembaga Tentera (LTAT) link bank yo 

yup.. because of the traffic flows.. very fast, Ocbc famous, just dunno Affin will go bankrupt or not.. steady or not this bank..

Sifu, what's your take on 3 & 6-mth FD's - which current deal is the best? TQ 

..................................
It looks to me you are looking at 3 to 6 months max, while waiting for OPR to go up again, right ? 
To me, for next 1 to 2 months I will go with Affin & MBSB. 

Yea, let's see how it goes in these two weeks. Hehe.
Hope got other better deals.

That's why I don't like to have too many SA, two is enough for me. 1 is main, another 1 for back up. Coz it's troublesome to ensure they are active. Tend to forget about those accounts if seldom use them.

Sifu, don't be so humble. I'm sure you are also in the "rich and famous professional" category.

that's where PIDM comes in ma, unless your figure >250k then i no comment la  

I am not sifu lah.. The real Sifu is sitting right down stair ---> Post #1865 

Here are the best 3 months and best 6 months, but no sure if there any other
FD promos are better than them..?

Best 3 Months
(1) OCBC, 4.5% + 3.0% (Premier Save Gold) = approximately 3.75% effective rate, valid until 30 Nov
(2) OCBC, 4.5% + 2.9% (Smart Saver) = approximately 3.7% effective rate, valid until 30 Nov

Best 6 Months
(1) May Bank, 3+3, effective rate 3.73%, valid until 16 August.
(2) UOB, 3.7% pure FD, valid until 30 August

I do think Affin 4.05% is the best so far...for 15 months placement. The problem is I'm looking for a 2 or 3 years placement; since I (think) have locked in some good FD rates for 1-year & 5-year. 15-month is like alang-alang tenure for me.

I have no intention to play guessing game with BNM. It can raise, drop or maintain the OPR when it sees fit. I'll make my own move when I see fit    I can recall since V4 of this thread, some of us are trying (seriously & jokingly) to predict the correct timing of BNM hiking the OPR. It took several months before the hype became reality. Even so, the whole state of affairs aren't any clearer now as BNM is expected to raise the OPR again. The waiting game continues... I am curious how much interest has been lost due to the waiting game. So, when my FD matures, I'll go to the highest offer available with the tenure of my preference

My style la...may not suit everyone's taste

PS: As I type this, Malaysia just won a Commonwealth Games gold medal through badminton womens' double

good advice lah. I'm also looking at REITs investment... 
so can call you demi-sifu, can? 

crazy meh 250k one shot... where got... myust diversify.. all banks also put.. put in international banks HSBC, Citibank, Ocbc, UOB

crazy meh 250k one shot... where got... must diversify.. all banks also put.. put in international banks HSBC, Citibank, Ocbc, UOB

already done Affin, will put sumore.. my tenure 1 year only.. BR according to the threads are not so good.. you? Petronas worker? Affin bank opposite only.. lucky lor...

crazy meh 250k one shot... where got... myust diversify.. all banks also put.. put in international banks HSBC, Citibank, Ocbc, UOB

  I agree with your point also lah..

To take Affin 15 months should be okay, because even if the next OPR increase,
some banks will need time to revise the rates. For exmples like MBSB and BR,
they are still not reacting to the OPR change..
No, cannot.. no demi-sifu here 
Only Rich & Famous here, but unfortunately not me 

Super Monk , MBSB & BR really no eye see...don't even know will they ever raise their rates

For Affin's case, yea I do agree it's the best so far. The rate offered is even better than BR & MBSB. Unless you can persuade BR to nego & counter offer a higher rate than 4.05%

I heard 250K+ one shot is quite common in OCBC ..