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 Fixed Deposit Rates in Malaysia V7, Please Read Post# 1 & 2

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eddie2020
post Sep 6 2014, 07:04 PM

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https://www.pbebank.com/Personal-Banking/Pr...A-Campaign.aspx

the 4% of PBB , izzit all type of saving account entitled for it?
sorry still new, cause it write what product FD plus conventional
eddie2020
post Sep 9 2014, 05:53 PM

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i want to ask, i am chinese.. those like maybank got online efixdeposit..
if apply those got islamic n conventional..
islamic 1 higher a little.. 3.4 and convention 3.3..
can i apply islamic?

1more thing, pbb got 4% now.. abit tempting..
other bank higher but lazy open an acc in other bank.

This post has been edited by eddie2020: Sep 9 2014, 05:53 PM
eddie2020
post Sep 10 2014, 11:49 PM

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aww... but working during these day.. u guys take leave do fd? haha
eddie2020
post Sep 11 2014, 11:38 PM

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QUOTE(giko @ Sep 11 2014, 02:41 PM)
http://savemoney.my/bsn-deposit-and-win-a-...c41232-90057701

Promotion period:
11th September – 10th October 2014

Important Terms and Conditions:
1. Open only to those who register for a fixed deposit via RinggitPlus.com by providing their full name and answering the competition question.
2. Must open a BSN fixed deposit account with a minimum RM10,000 fixed deposit for 12 months at a BSN branch after entering the competition.
3. Eligible customers will be required to correctly answer the question: “What is the colour of the RM50 note?” to be in the running to win.
4. Existing BSN fixed deposit holders are not eligible.
5. Limited to one entry per person.
6. Prizes not exchangeable for cash or transferable.

Qualifying BSN Fixed Deposits:
1. BSN Fixed Deposit
2. BSN CM Deposit-i

Interest can be either cash credited straight into your Giro Account, or
fund transfer via IBG or Rentas.

Fixed deposit account not by PIDM but will be guaranteed by the Malaysian Government under the Development of Financial Institution Act.
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they typo 10th oct to 11th sep izzit?

or 11sep 2013 till now?
eddie2020
post Sep 12 2014, 12:14 AM

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QUOTE(giko @ Sep 11 2014, 11:50 PM)
huh?

per http://www.mybsn.com.my/content.xhtml?contentId=518, the holiday promotion period is 8th September 2014 to 31st December 2014 but per http://savemoney.my/bsn-deposit-and-win-a-...c41232-90057701 , the period is 11th September – 10th October 2014, plus a chance to win 1 of 10 gold bars ( https://ringgitplus.com/en/fixed-deposit/BS...campaign=BSN001 )
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sorry.. i am really blur... i read it as november.. LMAO rclxub.gif rclxub.gif rclxub.gif too steam.. time to bed

sep i read as nov

This post has been edited by eddie2020: Sep 12 2014, 12:15 AM
eddie2020
post Sep 17 2014, 08:22 PM

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confuse with the monthly..
My understanding like this.. correct me if i am wrong..

if put 3month with 3.15% rate with RM100 the math like this

100 x 3.15% x 3/12 = 0.78% mean rm0.78?
eddie2020
post Sep 17 2014, 09:47 PM

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QUOTE(bbgoat @ Sep 17 2014, 08:24 PM)
You should use

RM 100 x 3.15% x 3/12 = rm0.78

cannot leave the % there as it becomes 3.15/100.  biggrin.gif
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Base on my calculation have the same answer as you smile.gif so its correct for rm100 = 0.78 hmmm..1k put 3month FD only can eat normal meal.. 2k = bigger meal haha..
eddie2020
post Nov 28 2014, 12:25 AM

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guys, got some simple question..
Assume you got bank 1 bank 2..
if you wanna make FD, and u require to open acc as you dont have the bank 3..
u wanna open in bank 3 as the fd is better promo..
so you guys withdraw those cash and open in another bank? or any other way which is better?
eddie2020
post Nov 29 2014, 05:12 PM

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QUOTE(yklooi @ Nov 28 2014, 04:35 AM)
hmm.gif as for me,...I would consider NOT just the returns of FD from bank 3.
I would also consider the extra amount of value I get from bank 3 and the "cost" to be incurred if I have to goto bank 3.
example......is the 0.x% of the extra interest worth the time, petrol cost and the hazzle of going to bank 3?.
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Petrol won't cost much.. I its worth, you bring cash to do the fd? Cause I see only mbb give online fd with 3.15%

QUOTE(David83 @ Nov 28 2014, 09:14 AM)
If it was placed online, then can uplift online.

Otherwise, if placed over the counter, I don't think you can uplift online.
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Uplift mean cancel the fd?

eddie2020
post Dec 1 2014, 11:53 PM

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QUOTE(magika @ Dec 1 2014, 10:45 PM)
No need to place FD deposit already. Now Cash Is King , buy some stocks (not O&G) keep a few years, kau tim. shocking.gif
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kenot brain
eddie2020
post Dec 3 2014, 05:44 PM

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the rhb 9month 4.15% still available? btw, u guys bring cash to do the FD or how u guys allocate the fund without physically teach me sifu? like cant find in their website

This post has been edited by eddie2020: Dec 3 2014, 05:47 PM
eddie2020
post Dec 3 2014, 11:21 PM

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QUOTE(okuribito @ Dec 3 2014, 06:37 PM)
eddie2020 Hurry bro, last day Friday! min. 50K. no need check website, trust boomchacha's post #2  tongue.gif
jack2

and remember maturity date unless wanna pay expensive price of rollover at board rates  sad.gif
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owh... need 50k @@.. dont have so much.. haha
any other option with more affordable amount blink.gif
eddie2020
post Dec 5 2014, 01:00 AM

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ocbc got min placement?
what bank or Internet FD? mean placing online..
i only tried maybank but 3.15 only.. will call u up, debit ur money for FD, when mature they credit back
eddie2020
post Dec 5 2014, 03:13 PM

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HSBC Advance Account for 3 Months - 5% ---> Super Hot
(11) Alliance FD Gold for 12 Months - 4.00% or up to 4.05% + free gifts

hsbc acc what requirement? i m adv account now.. feel like downgrading, i forget their annual charge how much..
alliance fd gold min placement how much?
eddie2020
post Dec 8 2014, 03:07 PM

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after read so much, mach is the best for time convenient as only fd online with promo rate rite? open mach we need a basic saving acc in hlb.. AND what is about those wad money deposit box? abit confuse..
btw, what fd rate is the best for around 10k ? cz i see alot rate also 30-50k
eddie2020
post Dec 9 2014, 09:58 AM

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QUOTE(kart @ Dec 8 2014, 10:20 PM)
Thanks for the reply, bearbear, okuribito and McFD2R.

After thinking for a long time, I decided to choose Mach FD.

Although I have a saving account (with an ATM card) in Hong Leong Bank, I still have to open Money Box Deposit Account, before I can open Mach Fixed Deposit online.

However, since I have a Hong Leong saving account, I can choose not to have a Mach debit card, and thus should not need to pay RM 8 for this debit card.

Then, I split RM 2000 into two fixed deposit placements, for 12-month tenure with 4% interest.  rclxms.gif

Thanks for providing useful advices to me along the way.  smile.gif
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erm, i thinking to open a mach fd too..
so i need open a basic sav acc 1st rite? RM ??
open money box deposit account require what ah?
then place of min 1k for mach fd rite?
eddie2020
post Dec 10 2014, 09:52 AM

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QUOTE(kart @ Dec 10 2014, 06:46 AM)
Do you have Hong Leong saving account with ATM card? If yes, you can choose not to have another card, namely Mach debit card with RM 8 annual fee.

Bring your IC to Mach branch (not allowed in Hong Leong branch). Open a Mach money box saving account, with minimum deposit of RM 50.

Then, use the computer in Mach branch, to place RM 1000 in Mach FD. It is recommended to split your cash into RM 1000 placement, in 1-year tenure with 4% interest.

In Hong Leong Connect, you should be able to view Mach money box and Mach FD.

After a few days, you can withdraw RM 30 in Mach money box saving account, leaving RM 20.

Get more information in Mach website.

Hope this helps.  smile.gif
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no, i going to do all new fresh..
so i should open hl sav acc, take the hl atm card, apply to open money box ?
kenot use other computer to place money in mach FD? if i put over 1k also can rite?

this mach make me bit confuse with added money saving box..

so the money should go like this..

3rd party i IBG > to HL bank, then use HLB > money deposit box.. then >> mach FD ?
when mach FD maturity.. money go back to money deposit box and i need use money deposit box transfer back to HLB?
eddie2020
post Dec 14 2014, 10:19 PM

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QUOTE(kart @ Dec 13 2014, 10:27 PM)
Mach Money Box is actually a saving account. For your case, just go to Mach branch, open a Mach Money Box account, and obtain access Hong Leong Connect. You can deposit your cash in the cash deposit machine in the branch, or use interbank transfer, but the money must be available in the Mach Money Box on that day, to prevent the saving account being closed.

It is up to you whether you need to have the Mach debit card (RM 8 annual fee), or not. There is no need to open a Hong Leong saving account.

Once you have access to Hong Leong Connect, you can make a fixed deposit placement in any computer, not necessarily the computer in Mach branch. For sure, you can place more than RM 1000 in a single fixed deposit placement.

However, it is better to put in RM 1000 in each placement. So, if you want to deposit RM 3000, just split into 3 placement.  In case you need to uplift one fixed deposit placement due to emergency, the interest for other placement will not be affected, instead of having all money in just one placement.

If you uplift the fixed deposit account upon maturity, the principal plus the interest are in Mach Money Box account.
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so actually u mean i no need to open hlb sav account?
just go to mach n open a saving acc (name as money deposit box) and transfer money ibg to this sav acc.. nx place fd online.. rite?
i see, so u place many 1k to make it? hmmm, maybe i should try that too... i just afraid got min placement or lower interest..
eddie2020
post Dec 23 2014, 09:40 AM

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QUOTE(gsc @ Dec 23 2014, 04:04 AM)
Some one has reported RHB not only extended but also the min is RM10k instead of 50k.

not sure anybody reported here, Ringgitplus Mach FD with rm200 petrol gift..

https://ringgitplus.com/en/fixed-deposit/Ma...CFUIpjgodf4wA6g
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Mean we use ringgit plus to place the fd? Not directly place with Mach by hlb?
eddie2020
post Dec 23 2014, 01:03 PM

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QUOTE(cybpsych @ Dec 23 2014, 11:07 AM)
havent seen this one yet smile.gif

Mach by Hong Leong Drive Campaign 2014

More info: Mach by HLB | T&Cs (En) | T&Cs (BM)

user posted image
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saw that too just now when open mach.. forget ask...
i thought ady expire when i see scenario 1.. place in nov..
scenario 2 is place in feb.. mean dec n jan placement fd not eligible?

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