NG as OPR not going to change in Sept.

You are not worried that no more MBSB and no more 4.7% rate if MBSB merge with CIMB before Dec ?

Yes, not worth the effort. I only do it on the way going to that location.

Also, Ah Cha Cha (new name ?), please post more of your posts lah !

This post has been edited by bbgoat: Aug 22 2014, 04:32 PM

Some people claimed that actual inflation is higher than reported one.

u know what, I also "feel" it's way higher than reported

Agreed but CPI is their KPI

Great. Thanks!

bank rakyat so sucks max only 5k online transfer to maybank

Received sms...bring a family or friend to open Hong Leong Saving account with RM5k deposit, both get gifts. Plus, get 3.85% on 12 months FD. Ends 31 Nov. T & C applies

Cool... Thank you Ah Flo..


Of course I am worried if 4.7% is suddenly no more available..
But I have another issue, I need to take my blood test first then to decide whether if
I can last for another 5 more years or not..

And I really want to wait and see the outcome in next 2 Bank Negara meetings

Ah Cha Cha is okay lah.. as long as don't call me Ah Pek or Ah Beng..
Quite hate the kids call me Ah Pek but I cannot scold them wor..

Hu..
Newspapers says maybe effective from this Nov, income more than RM 5K will not
get petrol subsidized by our government..

Why suddenly will go up in Nov? Even until now, the 4.70% does not advance at all


Errr...you


Please post a detailed report of your family adventure as mentioned above

Thank You

Thank You

FD Promos - Please update me if below rates are not updated. Thanks

Best 1 Month
(1) Affin 3.25% - by michaelho
(2) CIMB 3.25% - by michaelho
(3) Mach 3.15%

Mach FD Rates
https://www.machbyhongleongbank.com/mach-fixed-deposit

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
*ocbc Fd + smart saver applies to new smart saver or dormant account holders only. Those with previous FD + smart saver package when mature are not allowed to take up this package. - by gsc

(3) OCBC Islamic 3.55%, valid until 30 Nov
(4) Am Bank 3.5%, valid until 19 September
(5) Mach 3.3%

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
(3) Ambank 3.65%, valid until 19 September
(4) Ocbc Mederka promo at 3.75% (was 3.6%), pure FD, valid until 15 Sept - by gsc & munkeyflo
(5) RHB (3.48+3.68)/2= 3.58% with 5% FD in CASA – by gsc
(6) Mach 3.5%

Best 9 Months
(1) Am Bank 3.7%, valid until 19 September
(2) RHB (3.48+3.68 + 3.88)/3= 3.68% with 5% FD in CASA – by gsc

Best 12 Months
(1) OCBC Islamic 3.9%, pure FD, valid until 15 Sept or 30 Nov? – by gsc & munkeyflo
(2) RHB conventional RHB Islamic 3.88% pure FD – by gsc
(3) May Bank 3.85%, promo is tiered rate. Minimum 10k. One cheque one receipt - by munkeyflo


(4) Affin 4.10%, additional 20% fund in CASA, effective rate up to 3.85%, valid until 31 Dec 2014
(5) HLB 3.85%, Ends 31 Nov. T & C applies - by gsc (New added)
(6) RHB (3.48+3.68 + 3.88 + 4.08)/4 = 3.78% with 5% FD in CASA – by gsc
(7) Mach 3.6% - by FDInvestor

Best 13 Months
(1) UOB 3.9%, interest paid every 6 months, need RM 20 to open a SA, valid until 30 August - by X_hunter

Best 15 Months
(1) Affin pure FD, 4.05%, valid until 31 December


(2) RHB (3.48+3.68 + 3.88 + 4.08 + 5.38)/5 = 4.08% with 5% FD in CASA – by gsc

Best 24 Months - by munkeyflo
(1) OCBC, valid until 30 Nov
First 12 months @ 3.8%
Next 12 months @ 4.20%
(effective rate for 24 months @ 4%)

OCBC Existing Funds - valid until 30 Nov - by munkeyflo
3 months @ 3.3%
12 months @ 3.5%

Saving Account Promos
(1) Hong Leong Bank's Member-Get-Member Programme
Received sms...bring a family or friend to open Hong Leong Saving account with RM5k deposit, both get gifts. Valid until 30 June 2015- by gsc & HJebat (New added)

(2) Affin's One Million Giveaway "OMG" Campaign - (New added)
http://www.affinbank.com.my/General/Whats-...--Campaign.aspx

MBSB (No PIDM) Kids Fixed Deposit Promo - Monthly Interest - Valid from 2 June until 2 December 2014
Links:
http://www.mbsb.com.my/misc/TnC_KidsFixedDeposit.pdf
http://www.mbsb.com.my/misc/Flyer_KidsFixedDeposit.pdf

FD Market Reviews
Real interest rate ends in positive territory last month - by wil-i-am (New added)
http://www.nst.com.my/node/25395

On the back of strong GDP growth, mixed views on rate hike in Malaysia - by wil-i-am
http://www.thestar.com.my/Business/Busines...s-on-rate-hike/

Economists divided on next interest rate hike - by gsc
http://www.propertyguru.com.my/en/property...m_content=links

Thanks so much to below Contributors:
munkeyflo
McFD2R
pinpinmiao
gsc
cybpscyh
kingofong
FDInvestor
michaelho
wil-i-am
X_hunter
HJebat

This post has been edited by BoomChaCha: Aug 23 2014, 12:29 AM

Is that the Member-Get-Member Programme?

The promotion period lasts til 30 June 2015 wor...

Bank Negara Meetings
5th --- 18 Sep 2014 (Thursday)
6th --- 06 Nov 2014 (Thursday)

2 more Bank Negara meetings before the Trio merge..
If Sept no raise; then what if it happens in Nov..?

And also I want to see how BR will react if OPR goes up..?
I am a bit worried if suddenly MBSB's 4.7% is no longer available..



I see, I really think I have to put some in MBSB..cannot miss this opportunity..

No lah.. I did not go.. Ha ha..

Do we have to open a SA when place 15 months FD at 4.05% in Affin..?
Why do we need to open a SA? And some more RM 110 to open a SA?
How did you use IBG to send your RM 100 out from Affin SA?

Next week..??
An exciting moment hah....
Please share with us after you place your FD in MBSB..especially gifts..

Top Goat is really rich hah.. place 2 FD within a month..

Warrior, if the Trio can negotiate successfully to merge, I think the last
opportunity to place 5 years FD in MBSB is December..

On other hand, we also need to keep an eye to see is BR going to revise
their rates or not..?

UOB FD promo bundled with free luggage from Groupon:

Saw this luggage picture from another forum:
Luggage brand is Bayers, hard type luggage:


This post has been edited by BoomChaCha: Aug 23 2014, 02:12 AM

On FD maturity, the interest & principal will be credited to the SA. The FD will not auto roll. So need SA. Reason given by Affin staff.

Intend to use online acct to do the IBG. Have not try yet. Save the effort, petrol to go to the branch to withdraw the money. Did not get ATM card which has yearly fees.

You have made me wonder/hesitate on the MBSB acct, the OPR change in Sept or Nov .....................

Lets see. Small amount for the FD, just like you said, at least put something there before we regret about the 4.7%.

Counting $$$ again at 2.03am ??

This post has been edited by bbgoat: Aug 23 2014, 08:32 AM

the 3.85% 12 month no need to bring friend or family also can get?

Sorry dont know the detail coz I just share based on sms received. Will drop by to find out more or any member can share here?

most banks have same limit 5k for online transfer.right?