3.6% is better. Teach you a simple way to distinguish the difference just by one glance, no need to count month after month.
The difference between the two is 0.4% p.a.
Ask yourself can 3.2% compound interest out of 3.2% FD interest equals or more than 0.4%?
3.2 x 3.2% = 0.10%
Therefore 0.10<0.40
It is not a precise answer as I excluded some negligible variables but it is still 99% correct.

Interested in FD for long term , Small amout about 10 - 20k
Whats the best option ? Thanks

thanks boss for your evaluating method ..

Beside UOB 3.65% 13 month,any higher offer again?as i know RHB can apply for 3.5% for 1 years FD.

For non PIDM, BR 12 months 3.9%.

Monthly interest credit? or not?

Affin Bank 3.6% 1yr FD board rate (PIDM protected)

Looks like I have to park my money reserved for EPF's self-contribution scheme in FD. Went to see a EPF CS @JB office and was told that those working and contributing EPF are not eligible to join this scheme and if found out the amount will be returned.

If 4.1% considered attractive to you...then no need to look up, down, left, right...straight place for >60 month...4.50% yo, arouse you or not?

Best rate offered by MBSB: 4.70% for 5-year placement. I assumed 5-year is deemed as long term to you la

Received a call for HLB regarding bond issued by HLB. 4.6% per annum for 5 years. No PIDM protection. Callable by HLB after 3 years. Minimum investment RM250k. Anyone else received similar call? Thanks.

This post has been edited by choyou: Apr 14 2014, 12:41 PM

This forum for FD. So please discuss elsewhere.

We should allow queries of this nature as its indirectly related to FD.
This will help to provide info on opportunities for FD folks.
My 2 cents.

Well, bond is of different nature. If we allow bond discussion, others may discuss on UT, stocks etc. Please read 1st post by Gen-X.

I opened several FD in Public bank on Different time, the FD account number is the same. Is it the interest compounded it together?

Sorry I should go to ask the officer there but due to in rush, I forget to ask.

FD cert for each FD should be different numbers. The acct should be the same for single acct.

My CIMB FD is diff. acct. no. That's why I forget to ask the officer there.

... From what have been stated on the first page of this post, I don't think BR need 20K deposit to be paid monthly already. They have drop it to 5K ...

--> Bank Rakyat Deposit Account-i ...

... I may be wrong. Please double confirm yourself if needed ...

~ ~

Ya, I saw in their website that they mentioned 5k for monthly interest.

Wake up, need more info from other guys. BCC, Top Flo where are you ?

This post has been edited by bbgoat: Apr 14 2014, 05:59 PM

MBSB ?

Any other alternatives

Next in line is BR 4.50%.