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

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bearbear
post Jul 10 2014, 06:18 PM

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All Stars
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so the musical chair begins
bearbear
post Jul 10 2014, 06:49 PM

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QUOTE(wil-i-am @ Jul 10 2014, 06:45 PM)
Will FD increase by 0.25% too or lesser?
*
not expert but previous 1 month all 3% just like OPR, so foresee will follow to increase?
bearbear
post Jul 11 2014, 03:08 PM

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((3.85/1.1) + 3.85)/2 = 3.675%

((4/1.1) + (4*1.5))/2.5 = 3.855%

RHB still better, higher effective rate and only 5% lock for 3 months.

This post has been edited by bearbear: Jul 11 2014, 03:10 PM
bearbear
post Jul 11 2014, 03:16 PM

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QUOTE(ccschua @ Jul 11 2014, 03:13 PM)
do you have the RHB flyer ? how to check ?
*
Available on their website

QUOTE(bearbear @ Jul 7 2014, 03:09 PM)
seems like RHB has improved their 15 months promo;

http://www.rhb.com.my/Whats_New/deposits/s...D/#.U7pHrZSSzyQ

((3.48/1.05) + 3.68 + 3.88 + 4.08 + 5.38))/5 = 4.067%

First FD promo to breach 4% mark but 5% have to maintain in CASA for 90 days biggrin.gif
*
bearbear
post Jul 11 2014, 03:24 PM

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QUOTE(bbgoat @ Jul 11 2014, 03:21 PM)
Will be interesting to see if RHB will change/increase their FD rate.  drool.gif
*
i smell byebye to BR from regulars here laugh.gif
bearbear
post Jul 11 2014, 05:00 PM

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fuh maybank notworthy.gif notworthy.gif notworthy.gif

naik they pocket 0.1% icon_idea.gif
bearbear
post Jul 11 2014, 06:12 PM

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QUOTE(robert82 @ Jul 11 2014, 06:09 PM)
no, there's another one, which can win house. lol
*
that was HLB la biggrin.gif

wana win house use their debit card la, Rm100 = 10 entries

fd Rm10k only 10 entries doh.gif doh.gif
bearbear
post Jul 13 2014, 05:04 PM

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scare MBSB adjust their 5 years rate upward? biggrin.gif
bearbear
post Jul 13 2014, 05:24 PM

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QUOTE(lowya @ Jul 13 2014, 05:20 PM)
how can rhb (4.1% p.a.) better than mbsb (4.7%)? are you sure u get it right?
*
15 months vs 60 months commitment, no brainer to compare. you just need to decide which suit you more.

if so easy you already deposit for 60 months aite? tongue.gif
bearbear
post Jul 16 2014, 03:54 PM

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still no contender for RHB 15m? biggrin.gif
bearbear
post Jul 17 2014, 12:18 PM

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QUOTE(fkinmeng @ Jul 17 2014, 10:58 AM)
now really no more 4.0% interest? sad.gif
*
for now, one and only - RHB 15 months step up.
bearbear
post Jul 17 2014, 12:37 PM

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QUOTE(bbgoat @ Jul 17 2014, 12:23 PM)
The effective rate of around 4.06% looks the most attractive at the moment. MBSB 4.7% for 5 years, but then if the OPR rate going up in 1 year, then 5 yrs rate may go even higher ?

Ha ha, so have to decide whether to go for RHB first ?  hmm.gif  hmm.gif

Interesting that RHB and MBSB are merging with CIMB soon ?  smile.gif
*
question: if we place 5 yrs @ 4.7% now, next year goes up to say 5% we are still stuck with 4.7% till the tenure end right?

i guess the safer bet now would be RHB first, i have some fund expiring end July so will drop some in with RHB first. Wait longer also mean losing out interest while waiting.
bearbear
post Jul 17 2014, 12:51 PM

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QUOTE(bbgoat @ Jul 17 2014, 12:48 PM)
Yes. Stuck with 4.7% till end of tenure. But after the CIMB merger, not sure whether there will be the good 5 yrs rate by other banks.  hmm.gif

Agreed that waiting for too long is bad. You may get another 0.25%. But if amt is big, you may lose out more while waiting for the rates to go up. Just like I put in CB at 2.8% for 1 month.  smile.gif
*
taiko move to CIMB la, 1 month 3.25 biggrin.gif
bearbear
post Jul 17 2014, 03:45 PM

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thanks for sharing, good temporarily 'parking' with rumour of rate going up again this year

come on MACH HLB, you always do better than them flex.gif tongue.gif
bearbear
post Jul 17 2014, 04:29 PM

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their rate are not attractive anymore to start with tongue.gif
bearbear
post Jul 17 2014, 05:24 PM

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QUOTE(eddie2020 @ Jul 17 2014, 05:24 PM)
i feeling stupid, my money over few yr no touch dint put in fd.. lol..
*
not too late to start, at least the money is still there tongue.gif
bearbear
post Jul 18 2014, 12:12 PM

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how to ignore affin 3.7? biggrin.gif
bearbear
post Jul 18 2014, 04:51 PM

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those in klang valley there is a affin at the curve, just outside coffee bean.

small outlet but not many people also smile.gif
bearbear
post Jul 18 2014, 05:04 PM

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fuh competition >4% lai liao rclxms.gif
bearbear
post Jul 18 2014, 05:53 PM

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for conventional banks you need to go through counter, the only one i know can get promo rate online is MACH HLB.
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