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

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bearbear
post Apr 12 2014, 06:27 PM

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that promo was discussed before. if i remember correctly 80/20. means the rate has to multiply by 0.8.

pbb fd promo has never been interesting. one year look for uob or affin.
bearbear
post Apr 15 2014, 11:48 AM

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QUOTE(gchowyh @ Apr 15 2014, 11:37 AM)
Guys,

Understand the current Ambank promotion may not be very attractive but I cannot seem to find the details anywhere.

From today's Star: 3.38% for 6 months + 3.7% for 18 months
50% must be placed in both tenures

But it did not say anywhere if fresh funds are required, anyone got any idea? Else will go check it out sometime next week.
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bro check out OCBC, 18 months tenure

6 months 3.6%
12 months 4%

6 months interest will be throw in to enjoy 4% for 12 months.
bearbear
post Apr 15 2014, 07:54 PM

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for the 18m ocbc promo, if you add in the 6 months interest into the calculation you would actually end up with 3.915% pa.
bearbear
post Apr 16 2014, 11:40 AM

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QUOTE(HJebat @ Apr 16 2014, 11:18 AM)

This one very tempting... drool.gif

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Go horse lo

10000 after 6 months interest (3.6% pa) become principal = RM 10180

RM10180 for 4% over 1 year = Rm10587.20

Effective 587.2/10000 = 5.872% over 18 months = 3.915% pa
bearbear
post Apr 17 2014, 10:25 PM

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QUOTE(tifosi @ Apr 17 2014, 10:07 PM)
If I have a banker's cheque of RM 50000, can I take that cheque and create 2 separate FD or I need 2 banker's cheque?
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i have asked this before at Affin - note other bank might be different. They told me you can top up to the amount of cheque by cash but cannot split the amount of cheque to various FD placement.
bearbear
post Apr 21 2014, 03:07 PM

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QUOTE(BboyDora @ Apr 21 2014, 02:46 PM)
Ya read through.
Sorry not familiar with FD promotion thingy.
For OCBC promo, option 1, it's mention tenure 18 months. 6 months : 3.6 % and remain 12 months is 4%.

What happen after 18 months? I normally put my FD 5-10 years .
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Standard option is it will re-enter 18 months tenure at board rate. (shitty rate as expected)
bearbear
post May 8 2014, 12:36 AM

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QUOTE(ahchat @ May 7 2014, 10:25 PM)
hello there,,im a freshie who just started working(3 month already) n im seriously wanna start saving money n probably invest into something later..can anyone suggest what should i do? FD is good for freshie like me?
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yes because u wont lose any money with this until you figure out what to do with your savings.
bearbear
post May 9 2014, 09:49 AM

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QUOTE(ahchat @ May 8 2014, 09:43 PM)
so, which is d best way to start?
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set the amount and period you want to lock in and find the best deal on first page.

Else just utilize maybank2u / CIMB e-FD
bearbear
post May 9 2014, 03:55 PM

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QUOTE(Avangelice @ May 9 2014, 03:48 PM)
Nah I rather stick to something that has a stable terms investment.

Anyways, I calculated 3.2 against 3.6. It isnt much 30960 against 31080  plus Kuching has only ONE BANK from Affin. I think I will open a Maybank E-FD account for convenience sake.
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if you have access to OCBC check out their 18 months promo, info on 1st page.
bearbear
post May 9 2014, 04:54 PM

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combat inflation deal

3.6% for 6 months

then your principal + interest for 6 months goes in 12 months at 4%. you get effective 3.915% p.a and insured under PIDM.
bearbear
post May 9 2014, 05:31 PM

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QUOTE(Avangelice @ May 9 2014, 05:26 PM)
but you need to put in fresh funds as stated in the info. which is 10k
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as with most fd promo, take out cash and cash back in lo tongue.gif
bearbear
post May 21 2014, 09:47 AM

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QUOTE(cybpsych @ May 21 2014, 07:06 AM)
peeps, OCBC's 18-mth FD Promo (aka Combat Inflation Deal) will be terminated on 29 May 2014 instead of 31 July 2014

Notice source: OCBC
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thanks for sharing, i'm gonna miss out on this sad.gif
bearbear
post May 26 2014, 09:53 PM

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lama lama jadi bukit tongue.gif

sikit sikit jadi diamond laugh.gif

This post has been edited by bearbear: May 26 2014, 09:54 PM
bearbear
post May 30 2014, 04:05 PM

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QUOTE(BoomChaCha @ May 30 2014, 03:40 PM)
OCBC 18 Months FD Promo - Effective from 30 May to 31 July 2014

First 12 months: 3.6%
Subsequent 6 months: 4.00%

Effective rate: 3.73% (was 3.87%)

Minimum fresh fund: RM 10K
Maximum fresh fund: RM 5 Mil

Available in all branches.
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First 12 months interest will be included for 4% on subsequent 6 months?
bearbear
post May 30 2014, 04:07 PM

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Those midnight counting asset 1 r whistling.gif
bearbear
post May 30 2014, 04:10 PM

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yup previous first 6 month interest would be included for 4% on the next 12 months, if included i think effective was 3.91% or so

If this round included you still get effective 3.78%
bearbear
post Jun 9 2014, 03:29 PM

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QUOTE(OMG! @ Jun 9 2014, 03:28 PM)
Why less people here talking about BSN FD rates.

The rates are pretty high.
1 month 3.00%
3 months 3.00%
6 months 3.05%
9 months 3.10%
12 months 3.20%
15 months 3.30%
18 months 3.35%
24 months 3.40%
36 months 3.40%
48 months 3.50%
60 months 3.75%
http://www.mybsn.com.my/content.xhtml?contentId=127
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which 1 is 'high'? blink.gif
bearbear
post Jun 9 2014, 04:43 PM

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QUOTE(OMG! @ Jun 9 2014, 03:31 PM)
I mean the rate offered are equally high (above average) as compared to other banks.

It can even goes up to 3.75% upon 5 years deposit.
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no idea which bank you are comparing to, there are so many promo now between 12 months to 18 months that offer similar return.
bearbear
post Jun 16 2014, 11:01 AM

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HLB MACH that offer monthly interest payment will deduct off the penalty amount from your principal if you make premature withdrawal. I guess BR would be the same
bearbear
post Jun 16 2014, 03:30 PM

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checked with MACH last time, below 3 months all interest void, above 3 months you get 50% interest only.
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