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

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nexona88
post Jan 1 2015, 04:28 PM

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Happy New Year 2015 rclxm9.gif rclxm9.gif

Thanks to Gen-X & BoomChaCha for the FD thread & compilation of FD promo notworthy.gif notworthy.gif


nexona88
post Jan 5 2015, 05:46 PM

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wah suddenly Bonescythe active in FD thread tongue.gif need to park some $$ temporary in FD before buying spree rclxm9.gif
nexona88
post Jan 6 2015, 03:50 PM

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QUOTE(Yello_page @ Jan 6 2015, 10:41 AM)
Sorry i abit lazy to scroll through all the info, can TS let me know which bank is the best to park my 6k for 6 months??
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1st post & 2nd post if lazy icon_rolleyes.gif
nexona88
post Jan 7 2015, 07:56 PM

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QUOTE(aromachong @ Jan 7 2015, 06:50 PM)
I have withdrawal all my FD as i see there is no benefits and low % for it. I withdrawal and re-invest into ASW2020 better 6.5-6.9% p.a. The only disadvantages no PIDM for ASW2020
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got available units now? I mean big amount hmm.gif Normally I see have small amount only, unless u have some insider help like one forummer I know cool2.gif

currently parking some in FD, just if gomen open-up new units suddenly brows.gif

This post has been edited by nexona88: Jan 7 2015, 07:57 PM
nexona88
post Jan 9 2015, 06:21 PM

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QUOTE(bbgoat @ Jan 9 2015, 06:13 PM)
Received a std reply from UOB:

Dear Sir/Madam,

Thank you for your email.

Thank you for taking the time to bring this matter to our attention. We wish to inform that we are currently investigation the issue(s) raised in your email.

Please be assured that we will revert to you on the outcome or explanation once we have completed our investigations.

We appreciate your patience and understanding.

In the meantime, please email us again at uobcustomerservice@uob.com.my or contact our Customer Service at telephone number 03-2612 8121 (KL), 04-2401 121 (PNG), 07-2881 121 (JB), 082-287 121 (KCH), 088-477 121 (KK) if you require further assistance or information.
Lets see ...................... rclxms.gif
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lol copy paste reply.. don't expect high on them to act on your complain rolleyes.gif
nexona88
post Jan 9 2015, 06:37 PM

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QUOTE(bbgoat @ Jan 9 2015, 06:34 PM)
Well, I said std reply. What do you expect from them ? Maybe ended up saying system problem ......

Just to let them know customer frustration !!! You did not see what I wrote to them.  brows.gif  tongue.gif
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well I guess u wrote that u would withdraw all your $$ worth millions with them & also your family members sweat.gif
nexona88
post Jan 19 2015, 04:56 PM

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-deleted- tongue.gif

This post has been edited by nexona88: Jan 19 2015, 05:09 PM
nexona88
post Jan 19 2015, 05:10 PM

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QUOTE(okuribito @ Jan 19 2015, 05:04 PM)
why mbb no pidm??? wat's the catch?
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sorry. my mistake..

Maybank got PIDM..

I tot MBSB blush.gif
nexona88
post Jan 22 2015, 10:42 PM

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QUOTE(zero721 @ Jan 22 2015, 10:10 PM)
RM means what?
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Relationship Manager tongue.gif
nexona88
post Jan 24 2015, 02:34 PM

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QUOTE(Human Nature @ Jan 24 2015, 02:25 PM)
Getting jittery with BR and with other banks giving higher rates, so will be doing this to 50% of my BR FD this year.
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BR no longer "safe" for me.. no confidence to place FD there blush.gif
nexona88
post Jan 26 2015, 05:07 PM

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Malaysia seen keeping policy rate unchanged on economic risks

Malaysia's central bank is expected to keep its key interest rate unchanged at 3.25 percent at a policy meeting on Wednesday, as the country's economy remains at risk from a slump in oil prices and a weakened currency, a Reuters poll showed.

Most economists now expect the central bank to stand pat for the rest of 2015, unless Malaysia's economy improves in the second half of the year.

Forecasts for Malaysia's Jan. 28 interest rate (Overnight Policy Rate) decision ESTIMATES
Jan 28 OPR (pct) OPR End 2015 (pct)

Median 3.25 3.25
High 3.25 3.50
Low 3.25 3.25
Nov 6 decision 3.25

BA Merrill Lynch 3.25 -
Barclays 3.25 3.50 (Q4)
CIMB 3.25 3.25
Credit Suisse 3.25 3.25
DBS 3.25 -
Forecast Pte 3.25 -
Hong Leong 3.25 3.25
HSBC 3.25 -
ING 3.25 -
Kenanga 3.25 3.25
Maybank 3.25 3.25
RAM 3.25 3.25
RHB 3.25 3.25
Standard Chartered 3.25 3.50 (Q4)

This post has been edited by nexona88: Jan 26 2015, 05:08 PM
nexona88
post Jan 27 2015, 04:53 PM

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QUOTE(okuribito @ Jan 27 2015, 04:47 PM)
To all, my fren went yesterday scb & ask them what if premature withdrawal... was told no interest at all, not even half of board rate. so be very very certain your funds can lock up for full period  whistling.gif
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what? shocking.gif if suddenly needed the money, need to withdraw No interest. it's like giving free money to SCB vmad.gif
nexona88
post Jan 30 2015, 02:21 PM

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QUOTE(kykit @ Jan 30 2015, 07:49 AM)
haiz... "The promotional rate is subject to any Overnight Policy Rate (“OPR”) change."  hmm.gif
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Heard that OPR may reduce in July whistling.gif
nexona88
post Jan 31 2015, 09:49 AM

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QUOTE(bbgoat @ Jan 31 2015, 08:46 AM)
Saw news that EPF may be giving out dividend of 6.35% to 6.45%. Copied from malaysiakini.com:

"The dividend last year was 6.35 percent. A dividend more than 6.35 percent would make it the highest since 1999, where the dividend was 6.84 percent."

Past history pay out:
http://www.kwsp.gov.my/portal/en/web/kwsp/.../dividend-rates
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confirm better than any FD rate / Promo Rate out there tongue.gif

nexona88
post Jan 31 2015, 04:15 PM

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QUOTE(sandkoh @ Jan 31 2015, 10:43 AM)
cynical. how much can put there? tongue.gif
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I think 60k maximum per year, but remember only after 55yo can withdraw icon_rolleyes.gif


nexona88
post Feb 1 2015, 03:45 PM

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QUOTE(robert82 @ Feb 1 2015, 03:43 PM)
So if my monthly deduction from salary total up to 65k a year, the max that can be deducted from my salary to EPF is only 60k?
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it's not from your salary.

it's additional deposit upto 60k per year. means 65k (salary)+ 60k icon_rolleyes.gif
nexona88
post Feb 3 2015, 12:58 PM

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QUOTE(bbgoat @ Feb 2 2015, 08:06 PM)
Today was in MBB to uplift FD. Have to pay 50 cent for the processing fee for banker's cheque. Used to be free. Was told bank absolve the RM5 cheque fee and customer pay 50 cent for processing fee.

But found that MBB do pay the additional interest over Sat/Sunday. As the FD matured on Saturday, they paid me 2 add'l days of interest.  rclxms.gif
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so it's mean RM5+RM0.50 = RM5.50? or just RM0.50 blink.gif hmm.gif
nexona88
post Feb 3 2015, 01:31 PM

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QUOTE(bbgoat @ Feb 3 2015, 01:16 PM)
Bank absolve RM5, we pay RM0.50.  tongue.gif
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wah so nice rclxms.gif The "old" Maybank I know love to "suck" people $$ by charging every single services they offer nod.gif
nexona88
post Feb 4 2015, 01:02 PM

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Bank Negara Malaysia (BNM) is likely to maintain its overnight policy rate (OPR) at 3.25 per cent into 2016, said Standard & Poor’s (S&P) Ratings Services today.
nexona88
post Feb 4 2015, 04:09 PM

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QUOTE(okuribito @ Feb 4 2015, 01:54 PM)
haha let's hope their prediction holds. put this way, chances of lowering rates is higher than of raising rates at the moment (imho, though we like it to go up, the majority will scream if it does)... therefore if they maintain rates is already "good" hmmmm now feel like frog in sauna, slowly boiled to death  cry.gif

ps: nice avatars  tongue.gif
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Yup, better to hold at current level than unexpected reduce rate like RBA @ Australia did nod.gif

QUOTE(bbgoat @ Feb 4 2015, 02:08 PM)
GF or dream girl photo ?  rclxms.gif  tongue.gif
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u think brows.gif

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