+1

I got it already


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Via normal postage?

If Fed Reserve were to hike up interest rate gradually in 2nd half of 2015 (as expected), and there is an exodus of foreign funds, do you think BNM will cut the OPR ?

Status quo is the most likely scenario.

With commodities price plunging, inflation factor is diminishing and may fall below inflation target preferred by Fed, which may push the rate hike even further down the road.

Treasuries yield now at 1.8% already tell the story. Treasuries yield is the ultimate "story teller" of the situation of interest rate.

Gdex, and there is a registration form attached, do i have to register the card before pumpin?

Feel good.

Macam ni, dont expect anything more than SCB's 4.5% la right? Then I go OCBC la. Mah fan buka account lagi at SCB. Nearby no branch some more. Haih.

Expect 5.0% 12months around the corner.

How long to wait? Shall I then park it at 1-mth FD first?

In CB to see RM to review UT. At the end, after changing some UT products, was given FD 1 mth 9.18% placement (up to amt of UT product switched) . Still need to consider as SCB promo of 15 mth 4.5% ends soon. CB 1 mth very good but may not go for it. Has 2 weeks to decide.

Collected first Ang Pow packet from CB.

This post has been edited by bbgoat: Jan 29 2015, 02:38 PM

can scan/photograph the AP packet? if nice, will go get them, if not...

Their design not that good for past few years already. Some flowery, 2 tone front and back. Not for younger generation. Haha.

Just confirmed UOB FD 4.2% promo still available till tomorrow.

But I should have gone for SCB 4.5%, only did not want to visit so many banks & had to go UOB since they have a special 3 months FD promo at 5.6% if signup for their retirement plan.

JUst park my money with UOB yesterday for the 12mths 4.2%.

Hope is a right decision.

Yes, today CB also tempted me with the 9.18% FD 1 month AFTER I have switched some UT products. Luckily still have some fund that I can put there to enjoy this high 1 mth interest. Also will put into SCB second placement 4.5% but have to get their HQ approval.

official from Maybank's website.



FD "Angpow Special"
19 Jan 2015 - 18 Feb 2015

RM10k fund, 12-month, effective rate: 4.13% p.a.

Enjoy a popular campaign returns with FD "ANGPOW SPECIAL" from 19 January till 18 February 2015. What you have to do is just perform a minimum placement of RM10,000 per receipt for Retail/Individual customers or RM25,000 per receipt for SME/Business Banking, Sole Proprietor, Partnership, Club/Societies/Association.

Campaign Rates are as follows:

Tenure	*Promotional Rates	Effective Rate	Prevailing Board Rate
1st - 3rd month	3.38% p.a.	4.13% p.a.	3.30% p.a.
4th - 6th month	3.58% p.a.	4.13% p.a.	3.30% p.a.
7th - 10th month	3.78% p.a.	4.13% p.a.	3.30% p.a.
11th month	5.28% p.a.	4.13% p.a.	3.30% p.a.
12th month	8.28% p.a.	4.13% p.a.	3.30% p.a.

More info: Maybank | Terms & Conditions

haiz... "The promotional rate is subject to any Overnight Policy Rate (“OPR”) change."

This post has been edited by kykit: Jan 30 2015, 07:53 AM

actually, if me, i wouldn't be worried about that OPR clause. why? because this is not a step-up where you can get out with no penalty. It really is a board rate plain jane fd ... merely with some mascara and striking lipstick to attract hot-bloooded alpha males ie the 11th and 12th mth boosters. Look at note(b) of the T&C ...

I'd rather go for the 3/6/9 or 6/12 PBB stepups with eff rates of 4.11 & 4.18%

This post has been edited by okuribito: Jan 30 2015, 10:09 AM

wahhhhh today only find out uob so goood. they say no need to split into multi certs because can do partial withdrawal... balance not wdrawn can continue on same terms.

summore banker chq 65sen cheaper than ibg $1