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 Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2

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wil-i-am
post May 22 2015, 10:30 PM

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QUOTE(nexona88 @ May 22 2015, 10:14 PM)
not from FD sweat.gif
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U have plenty of reserves
wil-i-am
post May 25 2015, 04:13 PM

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QUOTE(Ramjade @ May 25 2015, 12:36 PM)
REPO? I have read his blog but never come across REPO
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REPO is aka money market
wil-i-am
post May 25 2015, 04:15 PM

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Went to Maybank today
They offer promotion for 9 mths FD:-
1st 3 mths : 3.70%
Next 3 mths : 4.20%
Next 3 mths : 4.55%
Effective : 4.15%
Min : RM10k
T&C : Subject to OPR changes
wil-i-am
post May 25 2015, 11:04 PM

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QUOTE(kyenli @ May 25 2015, 11:03 PM)
do you know when is it till?
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Was informed until end of Jun 2015
wil-i-am
post May 26 2015, 11:59 PM

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QUOTE(bbgoat @ May 26 2015, 06:14 PM)
They will have a new promo starting Jun 1st to 30th. 12 mth 4.25%, min 25k. Have monthly interest as usual. @magika, interested ??  hmm.gif
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Rate increase a bit from 4.10% pa now
wil-i-am
post May 31 2015, 08:40 AM

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QUOTE(alvinkhorfire @ May 31 2015, 08:15 AM)
It is just a wishful thinking for now. Still, Affin's 4.33% FD interest rate is quite good.
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Affin 15 mths FD promotion is until when?
wil-i-am
post May 31 2015, 04:41 PM

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QUOTE(BoomChaCha @ May 31 2015, 04:34 PM)
RHB: FD Bundle with ASNB VP Unit Trust
(1) 3 Months at 7%
(2) 6 Months at 7.8%
Are these good deals?  hmm.gif
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Their VP Funds return namely ASN3 n ASG range from 2.07% to 3.20% pa @ 31/3/2015 n the returns is b4 deduct service charges
wil-i-am
post May 31 2015, 06:28 PM

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QUOTE(cklimm @ May 31 2015, 05:50 PM)
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
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Incorrect as ASB is a fixed price -v- ASG a variable price fund
wil-i-am
post May 31 2015, 08:27 PM

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QUOTE(bbgoat @ May 31 2015, 07:47 PM)
I thought the ASG return is 5% to 6% range ?  hmm.gif
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ASG
Avg 3 yrs - 6.28% to 7.49%
Avg 5 yrs - 8.06% to 9.42%
Avg 10 yrs - 7.82% to 8.58%

QUOTE(bbgoat @ May 31 2015, 08:00 PM)
He was saying:
Their VP Funds return namely ASN3 n ASG range from 2.07% to 3.20% pa @ 31/3/2015 n the returns is b4 deduct service charges
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Returns is based on movement of NAV
wil-i-am
post May 31 2015, 08:30 PM

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QUOTE(bbgoat @ May 31 2015, 08:15 PM)
In general, that is a good point. FD and UT to be separate.

For me, already own ASG, so went in to get the FD deal and top up on ASG.  rclxms.gif
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Banks offer high FD rate in order to entice depositors to take up UT products
wil-i-am
post Jun 1 2015, 11:36 AM

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QUOTE(faradie @ Jun 1 2015, 09:48 AM)
Some Board members of Affin and 1MDB are same people. Not red herring (warning) sign to you?
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Worst case I need to visit PIDM
wil-i-am
post Jun 2 2015, 08:17 AM

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QUOTE(ivzh @ Jun 1 2015, 11:39 PM)
Hi guys, let say I have a fresh fund for rm100k for FD for 1 year, what is my best option?
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Read page 1
wil-i-am
post Jun 2 2015, 08:03 PM

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QUOTE(Ramjade @ Jun 2 2015, 01:44 PM)
By the way, how much is affin interest rates? Is it as high as M2U savers?
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Click tis link
http://www.affinbank.com.my/General/Rates/...on-rate-en.aspx
wil-i-am
post Jun 3 2015, 11:07 PM

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QUOTE(bbgoat @ Jun 3 2015, 02:27 PM)
AmBank FD promo 4 months at 4%, 9 months 4.15%. Until end of July.  biggrin.gif
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Any promo for 12 mths?
wil-i-am
post Jun 3 2015, 11:09 PM

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Open a new FD with Affin today for RM10k @ 15 mths n was asked to open a SA for RM100
Was informed interest will b credited to SA upon maturity
wil-i-am
post Jun 4 2015, 08:49 AM

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QUOTE(Ramjade @ Jun 4 2015, 02:09 AM)
Huh? Since when? Once you put for that specific term, the bank will honour the rate when you put regardless whether OPR goes up or down
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Agreed as the FD cert just show 4.33% pa for 15 months only without any remarks which indicate interest rate is subject to change when there is changes in OPR
wil-i-am
post Jun 4 2015, 09:40 AM

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QUOTE(kyenli @ Jun 4 2015, 09:16 AM)
https://forum.lowyat.net/uploads/attach-95/...-1433348787.jpg

Please refer to the last fine print.
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I refer to actual physical FD cert which is with me right now
Btw, did u place any FD with Affin?
wil-i-am
post Jun 4 2015, 10:01 AM

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QUOTE(joeaverage @ Jun 4 2015, 09:45 AM)
Is there a annual fee to maintain the account? Can close after 15 months is up?
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Not tat I know of
wil-i-am
post Jun 6 2015, 11:00 AM

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Version 9 on the way...
wil-i-am
post Jun 6 2015, 06:29 PM

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QUOTE(cklimm @ Jun 6 2015, 06:14 PM)
Dude, i placed another FD via HSBC online, and there is no withdrawal button?!  blink.gif
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Y u choose HSBC when other Banks rate is better?
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