Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

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

views
     
bbgoat
post Aug 26 2014, 10:05 AM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(Gen-X @ Aug 26 2014, 09:09 AM)
Bro, don't envy me. You guys getting richer by the day and I am getting poorer by the day spending my children future inheritance.
*
Well, so long as we have enough to go by until we say bye bye to this world, will be OK. Use up children's inheritance. No need to leave them big sum, they should work to get their dues. rclxms.gif

QUOTE(Gen-X @ Aug 26 2014, 09:09 AM)
Anyway, I made a mistake earlier, Affin 15 months FD promo is really true FD as no need stupid CASA thingy. Read it early this morning and was blur, haha. Also added BoomChaCha compilation to Post#1.
*
Ya, you are right. I edited my post earlier. RHB is the one with CASA for 15 months FD. Affin straight FD. I put in for both. Was foggy minded this morning and mixed up the two. biggrin.gif

This post has been edited by bbgoat: Aug 26 2014, 10:05 AM
bbgoat
post Aug 26 2014, 04:03 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(harmonics3 @ Aug 26 2014, 03:55 PM)
Was informed by Affin bank staff that the 4.05% 15-mth already close from this week.. so no choice have to go for RHB 15-mth step-up promotion with CASA. The RHB 15-mth promotion will end on 31-Aug.
*
QUOTE(fks2346 @ Aug 26 2014, 03:58 PM)
Me too. Went to Affin yesterday and was told already reached quota. sad.gif
*
Last week Tuesday I was "lucky" to get the 15 month FD. I asked when is the closing date. They said they have a quota. So now cannot put any more there already for the 4.05% rate. shakehead.gif


This post has been edited by bbgoat: Aug 26 2014, 04:24 PM
bbgoat
post Aug 26 2014, 06:05 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(wil-i-am @ Aug 26 2014, 05:48 PM)
Miss d boat  cry.gif
*
Maybe other better one will surface. Hoping for the best ! smile.gif
bbgoat
post Aug 27 2014, 02:59 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
In BR to uplift 3 months FD. Saw an old notice on starting 1/1/2014, no more cheque will be issued by BR.

Have to do IBG at RM2 to xfer out the matured FD. The staff was trying to dissuade me saying by end of the month (told her 2 more days only) or beginning of Sept, BR will be changing their rates.
bbgoat
post Aug 27 2014, 03:14 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Aug 27 2014, 04:49 AM)
See the weather..if the MBSB staff is friendly, then ask lo; otherwise no need to ask la..
Thank you Ah Goat.. notworthy.gif
*
Called MBSB today. They said on maturity they can issue cheque. They can TT out if the amount is >100k.

This is different from what you mentioned that they will wire out from HQ ? hmm.gif

This post has been edited by bbgoat: Aug 27 2014, 03:16 PM
bbgoat
post Aug 29 2014, 09:40 AM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Aug 29 2014, 03:18 AM)
No problem.
It seems you have been a MBSB customer for a long time..
Wah.. the rates are very fantastic..Congratulations..  thumbup.gif

Sukok 1 million..? What is Sukok?  hmm.gif
*
You miss out SUKUK ? Last year there is one that I bought matured around May/June. I think the pay out was 5% every quarter (can't be 100% sure). Every time that it came out, long queue's in the participating banks. I only bought one but heard that few series was issued. smile.gif
bbgoat
post Aug 29 2014, 04:37 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(guy3288 @ Aug 29 2014, 02:10 PM)
i bought four, using 4  names, 1 name max only 50k.
still in my current records are:
1) sukok simpanan rakyat 2009 - 14.5.09 -14.5.12 5% quarterly interest
2) bon merdeka 2009  -18.3.09 - 18.3.12 5% monthly interest
3)bon merdeka 2008 - 11.4.08 - 11.4.2011 5% quarterly interest
4) sukok 1 malaysia 2010 - 21.6.10-21.6.13 5% quarterly interest.
IIANM besides those above, got somemore prior to that.
*
Good ! you got the good deals. rclxms.gif I only got the last one that matured in June 2013.
bbgoat
post Aug 30 2014, 04:16 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Aug 29 2014, 08:39 PM)
SMS from BR
I received one SMS from BR this afternoon, it stated like this:

Looking for new investment?
Try Islamic Funds@ Bank Rakyat.
Expected returns 8-12% for UT &
up to 4.5% p.a. for FD
*
Did not receive that SMS from BR. Must be selected customer. notworthy.gif What UT are they selling ?

Another thing is when I withdraw my 3 months matured FD last Wed, they told me they are adjusting their FD rate soon. Waiting to see it then will decide if need to pull out some FD later. smile.gif

This post has been edited by bbgoat: Aug 30 2014, 04:20 PM
bbgoat
post Aug 30 2014, 04:49 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(pinpinmiao @ Aug 29 2014, 07:42 PM)
user posted image

Public Bank promo effective interest rate 3.88% user posted image
*
PBB seldom have good FD promo. This one looks good at 3.88% eff rate. Minimum 20k.

Wow, some more can terminate after the first 6 months in case other banks has better FD promo (clause 4.2).

https://www.pbebank.com/pdf/Promotions/tc-pbfdextra.aspx

This post has been edited by bbgoat: Aug 30 2014, 04:51 PM
bbgoat
post Sep 2 2014, 05:30 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Sep 2 2014, 04:24 PM)
CASA stands for Current Account and Saving Account...  smile.gif

I feel the Hot and Heat of 3 months FD...  hmm.gif
*
Is it because you have been looking at placing 3 months FD while waiting for OPR to go up again (Sept or Nov) ? hmm.gif hmm.gif
bbgoat
post Sep 2 2014, 05:33 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(giko @ Sep 2 2014, 12:45 PM)
This happened years ago. Was being defensive at that time to snap photos of the culprits. However I noticed that the Alphard was parked on the main road parallel to my parking spot with, I think, a driver & 2 accomplices in it. The stabber was standing about 20 feet away from the front of my car & another accomplice positioning himself about 6 feet from my driver side.

When I blasted my horn, I could see the Alphard stopping ahead to pick up the accomplice who was near my door while the stabber disappeared to the back of the bank.

Anyway, the police told me later that the number plate may not be real...  vmad.gif
*
In Penang, did not hear about it yet (or I missed out the news). Was it in Klang valley this has happened ? Thanks for sharing the event. smile.gif
bbgoat
post Sep 2 2014, 06:45 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Sep 2 2014, 06:31 PM)
Because I notice this time UOB offers 3 months FD..  biggrin.gif
I think 3 months FD should be hot now just like what Ah Goat mentioned as below..
Ha ha..  biggrin.gif  You read my mind ah..
But to place 3 months FD is taking a big risk that maybe I will miss the last train to MBSB 4.7% wor..  hmm.gif
Very headache now...  doh.gif
*
Looking at "Last Train to MBSB" ?? Ha ha. I have changed my mind and hoping that MBSB will raise their rate before I commit to 5 years FD there. With another OPR rate hike soon, FD rates should go up higher. smile.gif
bbgoat
post Sep 3 2014, 04:45 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Sep 3 2014, 03:49 PM)
MBSB FD promotion is still active in FD market, MBSB is in the middle of discussion to come out with
a FD promo soon maybe in next month, this FD promo is like this:
4.15% for 6 months, but 20% needs to put in saving account (I think the saving rate is 2.25%, need
to double check).  Based on this FD promo from MBSB, MBSB obviously is not sleeping.. I guess the raise
of 4.7% is possible if next OPR increase again..  hmm.gif  But I could be wrong la.. Ai.. quite headache..  doh.gif

I want to re-plan my strategy..  hmm.gif
*
With the OPR increase of 0.25% + 0.25% soon, hopefully MBSB will adjust their 5 yrs FD rate. It is really a headache to decide whether to put it now, wait but will it be gone ? hmm.gif

Well, for me, I will just wait and put in 1 year FD first.

QUOTE(BoomChaCha @ Sep 3 2014, 04:08 PM)
Just called to BR, FD rates are still the same and no change.. sad.gif
*
The branch manager told me in their Raya Open House that they are reviewing their rates. Their staff told me that may be early Sept they will revise their rate. At that time I was withdrawing my 3 months FD (which was placed anticipating an OPR change about 3 months ago). smile.gif
bbgoat
post Sep 3 2014, 07:50 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Sep 3 2014, 06:33 PM)
Ha ha.. you are so certain that OPR will increase again soon?  biggrin.gif
I think most likely it will, but just do not know when..?  hmm.gif
I am thinking to place 6 months FD with UOB.. hmm.gif
BR is very slow to react..., I do not like they are no longer issuing check..
*
I thought you are voting for OPR increase in Sept, while my vote is for Nov increase.

BR wise, I still like their monthly interest payment. Still like clock work despite the issue few months ago where they change to 1st of month for some of the FD's. I know some of us are concerned with them due to certain issues lately. smile.gif
bbgoat
post Sep 4 2014, 10:25 AM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(Gen-X @ Sep 4 2014, 08:27 AM)
OPR just increased and you guys expecting it to increase again? My bet is on next year  tongue.gif  And to justify my prediction, here is Public Bank FD Promo until end 2014:

For more FD and Term Deposit Promos, please visit my Fixed Deposit at my blog periodically where I update latest FD Promos, that's is if I am around, haha.
*
Saw in China Press yesterday's paper that BNM may raise OPR in Sept. I still think probably in Nov. smile.gif
bbgoat
post Sep 5 2014, 09:30 AM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(giko @ Sep 5 2014, 09:24 AM)
looks like it but waiting to see the new BR rates... will it ever come out?  hmm.gif
*
Last week they told me end of Aug or early Sept. So lets wait & see. smile.gif

21 Pages « < 19 20 21Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0451sec    0.56    7 queries    GZIP Disabled
Time is now: 3rd December 2025 - 08:02 AM