gen-x wow, didn't realise conditions are same as 2008! few thoughts come to mind reading your post...

klse started decline in dec 2007 from 1440s all the way down to 860s before starting its rise in iirc jan 2009. I suspect the low fd rates probly motivated locals to buy into the market then? Of some significance, I think looking back, that was also when the US started its QE program. I think read somewhere they have officially ended QE and the Fed chairwoman talk about possibility of upping interest rates later this year? Salvador Dali on BFM radio show mentioned the real KLSE market ie ex-index stocks probly lost 50-60% already, index stocks GLC "cornered" ... will MBB ever go down?

But locally, petrol prices also go down upon free-floating, property market losing steam, looks like BNM got no motivation to raise interest rates

hahaha I so confused ... lock in 3 years or not? If lock in, and KLSE reveals opportunities, premature w/drawal & forego interest earned? If don't lock in, and KLSE languishes neither here nor there, & interest rates get slashed like in 2008/9?

helppp 

Bro, whenever you do post, I learn something from you 

Yeah, you are right about PBB Step Up. I think MBB step up promos also same but their initial month(s) interest rates kind of low.

However, there is also a risk of getting lower interest rate in the case of PBB Step Up where it did mentioned in T&C that future rates are dependent on BLR (now is BR effective 1st January).

Anyway, with USD strengthening, gold price in terms of RM has increased 1% since 2nd Jan.

U can try creating a hong leong MACH FD acc for future use.
At least it is 1 time hassle.. after that, no need to go branch.. all online, even for promo FD as well..

From what I know from MBB's funding executive, the 4.12% 12 mth FD (step up) is until end of 2015. 

Bros,

1. MBB 12 months Promo is step up.
2. MBB 4.12% Effective Interest Rate Promo until 9th January 2015.
3. Effective 10th January 2015 and valid till 31 January 2015, the Effective Interest for MBB 12 months reduced to 4.07%
4. The MBB 12 months 4.12% IS NOT UNTIL END OF YEAR!!!

To see details of the Step Up Interest Rates please click here to my FIXED DEPOSIT PAGE

AmBank has this luck pick/draw for FD placement. Not sure of the minimum amount as mine is >10k per FD. So for FD placed, you are entitled for one lucky pick ticket. But max per customer is 2 lucky pick per day. Yesterday I placed 3 FD but got 2 picks only. Got 2 more picks as they did not give me 2 picks last week.

Prizes include barbeque set, thermos, cash, FD extra interest (useless in a way) etc. I got barbeque set and RM20 cash !   

AmBank also has this RM30k grand prize contest, under "I AmBanking on #givealittle" promotion:
http://www.ambank.com.my/eng/promotions

Ha ha, promoting AmBank now. 

I know more and more interesting offer will be slowly creeping out one..
That is why am not choosing to lock a long term until the best offer emerge

Best will be at the last

Park at FD 1mth or 3mth

Can someone explain why the effective rate drop to 3.9% for 9 months and 4.1% for 15 months?

Anyone still remember the RP's promo on Mach FD mid last month? I almost forgotten about it.
I received SMS yesterday ~3pm that says I won the RM200 Petronas Gift Card! 
My wife got it too. Double bonus. 
I placed the minimum RM1k only just to take part on the promo. 

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

wait for next week 

anything above 6% is way better than any FD / Promo rate 

Congrats bbgoatboomchachamgm EPF to declare dividend at 6.75% for 2014.

only worried if gomen reject the propose rate & ask EPF to lower it 

Yeah, some of us have plunged for some years. Myself 2 years and @magika 2 or more years ?

Absolutely! no doubt about that

just a thought... would you also delay your withdrawal? let's say if you can already withdraw 100% but outside fd still languishing ~ 4% while EPF still show ~6%... would you keep it there or take out?

If keep it there:
will they still pay you same interest as everybody else?
can you withdraw anytime if you so feel like it?
do they allow partial withdrawal thereafter or do they have some rule about how many times you can withdraw?

I guess the answers are somewhere in the EPF website / pamphlets ... haha lazy to go dig... Anybody got quick answers at hand?

sorry. my mistake. you're right. 6.75% x1/31 for Jan only while the rest of the months at 6.75%. my bad!