You have told me that MACH has another branch in Queensbay Mall when I opened mine in Paragon Mall, right ? Easy to open the Mach acct if you already have HL acct.

Last year RHB has 50% rebate on the ASNB Sales/service charge of 2.5% (normal 5%). I bought ASG funds based on that. This year in April RHB has FD/ASNB fund bundle. I top up some ASG fund.

This post has been edited by bbgoat: May 18 2015, 03:18 PM

In HL this morning. They have 6 mths 4% FD, ending by May. It is Islamic FD.
Then 3mth 3.8% and 3.85% for PB customer, min 10k. By end of June.

Paid RM0.68 cent for banker's cheque (HL PB customer, normal is RM5 +).

Moved to OCBC for 1 year 4.2% ++. Reason for ++ is the first 6 mth interest will add in to the principal for next 6 mth, so overall slightly more than 4.2%. Except they are using 180 days as basis for interest calculation. One forummer has reported on this earlier.

Leng Lui RM tried to sell me UT product, disappointed her today. Maybe will do it next time. Haha. Anyway eyetertainment today, but much shorter time. Haha.

This post has been edited by bbgoat: May 18 2015, 03:15 PM

Did not take note of the name she mentioned. Only one structured product "Auto-Callable Equity Linked Structured Investment". Got the brochure from the leng lui. Is that the one ?

It is on Las Vegas Sands Corp stock for 1 year and is auto callable as the name above.

She mentioned high risk. So you got the 8% but called back TWICE ??

Yes, it is 180+180 days. Indicated on the FD slip, 4/4.4% also. If auto renew, it will go back to normal 365 days.

This post has been edited by bbgoat: May 18 2015, 04:53 PM

Yes, looks like same structure except today it is a stock, Las Vegas Sands Corp stock price. Auto call back at 105% of initial price. Looks even more volatile than the Callable Klibor that I bought from CIMB. Previous one lasted 1 year plus then called back by CIMB. Current one >2 years, not yet call back. Getting I think 5.x% (need to check document) interest.

Last time paid RM5+ for banker's cheque in HL. After becoming their PB, paid RM0.15. Then this year RM0.15+0.50 (cheque fee)+RM0.03 (GST)= RM 0.68. Anyway still acceptable fee.

You should join HL PB then only pay RM0.68 for banker's cheque.

So HL 6 mth 4%. The HL branch gave you wrong info last week ? E-gate branch ?

I opened acct in Alliance Bank 4 years ago and got a hybrid acct. It came with a platinum debit card with 1.5% cash back. Used it for online banking acct opening (set in ATM). No annual fee also. The 1.5% cash back is so good that I used it as my main card. If you join their PB, even 2% cash back, better still !

This post has been edited by bbgoat: May 19 2015, 10:36 AM

Please see my earlier reply on top.

Yes, some sort of hedging like options. Either way you are covered.

My lesson on CIMB is I took up the Klibor for 10 years ! Way too long. But was tempted by the CIMB branch manager that they always call back the Klibor before maturity. The previous one they called back after one year plus. Luckily 2 years + now, receiving 5.x% every 3 months.

This post has been edited by bbgoat: May 19 2015, 10:35 AM

Have been with CB for years. No pure FD promo as far as I can recall. Only FD/UT bundle as far as I know. Have gone into some of them only.

CB more interested to promote UT products. Have the most RM in Penang chasing PB customers to review portfolio to buy /switch UT products !

This post has been edited by bbgoat: May 19 2015, 12:27 PM

Yes, principal protected if held until maturity. But 10 years is too long. If the interest rate turns against me, then no interest to be paid. That could be for 7 or 8 years (remaining years until maturity) ! CIMB will only call back if they deem to be un-profitable for them to continue !

It is there:

http://www.bankrakyat.com.my/term-deposit-account-i

You can, but depends on the amt. They may or may not agree based on your principal amt.

Call them few days before maturity. Depending on the amt, may need few levels of approval right up to their HQ. That was my experience with them. BM, division mgr then all the way to HQ.

This post has been edited by bbgoat: May 20 2015, 12:22 PM

Sure lah, if your amt is high and you asked for 0.5% more, branch level cannot approve. Haha !

Good news ! Will use more IBFT from some banks. Except SCB JustOne acct has been giving free IBFT, CB RM0.32 only.

Have been waiting for comment from pipu.

This post has been edited by bbgoat: May 20 2015, 10:16 PM

But you asked me recently, "u no scare meh ?".

Last Sunday high tea, other than what I posted, someone asked if the government guarantee is in B/W. The VP answered it is in the form when we first sign up with BR. Not sure if I keep or sign any form when I joined BR >2 years ago. Anyway I would take that with a pinch of salt.

So, you have admitted to be HNWI ?


This post has been edited by bbgoat: May 21 2015, 11:24 AM