Yabadabadooooo... Means there's still sufficient time for me to make a placement with MBSB.

As interesting as it is, I will not completely believe what the staffs said & listen to it with considerable doubt.

Anyway, what the heck..."casino", here I come

PS: You too??? How could you type incorrectly? MBSM????

When do you intend to place your FD there?

As long as MBSB can leave its competitors in the dust, I'll put my $$$ there. It doesn't matter whether it will revise the rate or maintain it.

I'm hoping that the nego between the trio will drag on until after CNY 2015...to give me a slight chance to squeeze some gifts from MBSB before the merger

Yes. I am referring to Hong Leong Junior saving account. But it is good to know RHB also offers something similar.
You are correct on the flexibility of withdrawal. I think there is a limit.

What happens after 3months, for OCBC new premier account. Revert to normal board rate? Or got special rate for premium account holders. Curious lar

You have to place 5 % in CASA for the 12 month promotion?

"renewed and top up my RHB FD for 12 months at 3.88% yesterday. The step up after 12 months will get slightly less than 3.78%. This is because of the 5% FD to be placed in CASA."

12 month 3.88% is straight FD. No CASA. I was referring to the 15 months step up FD which needs 5% of FD in CASA.

Two different products offered by RHB
1) 12 months at 3.88% straight FD
2) 15 months step-up. after 12 months interest is 3.78%. With the 5% of FD in CASA, the interest will be slightly less than that of straight FD.

However for those who needs the flexibility in cash and expect an increase in OPR this year can take up the step-FD.

Still available . Direct 6 months @ 3.73% effective rate, No option to withdraw after 3months. Rates like below :


Attached thumbnail(s)

Back to board rate or open up another premium account under spouse name

Thanks for clarification.

you opened at maybank islamic branch?

no, normal branch. Got MBB Islamic branches one meh? I didn't know that.

http://www.maybankislamic.com.my/branches.html

Revert to board rate. You can take it out and put it into another promo.

Hi all,

I have a question regarding KWSP's voluntary contribution:

If I were to deposit some money in August 2014 and withdraw that amount before the announcement of the dividend rate for 2014 (which I assume would be in early 2015), will my voluntary deposit still be earmarked to receive the prorated dividend?

Thanks in advance

I have asked EPF staff before and the answer is Yes. It seems that if you predict 2015 rate is lower than 2014, by withdrawing before the announcement, you may enjoy the gain of a better "old" rate

Another new FD promo by MBB? But seems slightly lower than the 3+3 promo.

(3+3+3.25+3.25+3.5+6)/6=3.67%

Yes you will received dividend. But the question is, you can't simply withdraw as and when you want it unless you are above 55 years old.
Another risk you may want to consider is that if EPF is not performing, there is no u turn for you before 55 years old.

I see. Thanks !

Yup but if I were to deposit under my parents' (who are both above 55) accounts? They shouldn't be able to trace right?

You sure can. It is between you and ur parents.

Unless again you are the only child in the family, then no problem. If you have other siblings in the family, better not.

https://www.pbebank.com/Personal-Banking/Pr...STEP-UP-FD.aspx
PBB 9 mths step up FD
3.4% 3.6% 3.8%
Same as RHB 15 Mths step up FD, can withdrawa without penalty interest at the completion of first 3 months or 6 months.