but ASG is cousin of the famous ASB, which provides constant annual return of 6% and above for past 10 years, which is about as good as EPF

Thanks for the suggestion, i m interest to put my fd in HSBC for the 5%PA interest

if i m going to have 4 FD account
FD A (mine) - 30k
FD B (mine + mother) - 30k
FD C (Wife) - 30k
FD D (mine + wife) - 30k

after 3 month, i should gain 120000x5%= 6000 am i correct?
Did some google but couldn't find the T&C for the FD promotion. So the promotion end on 30th june 2015? anyone have the link? TQ