mbb gia-i (online), daily interest. uplift as per placement, no partial withdrawal. alternatively, withdraw all, then place again with the balance

i parked for 3 days, gotten 3-days profit. another fund, i parked for 15 days, gotten 15-day profit.

now whenever i have >1k in m2u, i pushed it to mbb gia-i immediately. withdraw it when i need the fund to be ready for use.

yep,  no penalty 

all in m2u.

from my calculation, still 4% p.a. rate

yes, that's what i do. put multiple placements with min rm1k. then withdraw any of them to use.

example: credit card due date @ 10 April, car loan @ 15 April, house loan @ 20 April.

you can put 3 placements, then withdraw each on 10th, 15th, and 20th respectively. this way, u can maximize each placement for its profit calcuation (daily-based).

or

put one lumpsum placement with expected future amount to be withdrawn (cc+car loan+house loan).
then on 10th, withdraw this lumpsum. pay cc first.
then put a new placement (car loan+house loan).
then on 15th, withdraw the new lumpsum. pay car loan.
then put a new placement (house loan).
then on 20th, withdraw and pay house loan. 

My strategy as well. Anything more than rm1k, I'll put it in mbb gia-i. Now still looking for somewhere to park funds for less than rm1k.
Might probably park at ocbc smart Savers, and if that month there's withdrawal, I'll just transfer the balance all over to truesavers to enjoy at least 1.8%. Anybody has better idea? The rhb one looks not too great. You need a year to get 2.65% and monthly topup of Rm500. Who knows when you've just reached that 2.65% mark, they decided to change it to a lower rate

Move only after 31/5/2016 so that you will be entitled for May's 2.8%p.a interest. Don't move now. See 3-4 pages until this page. I made my recommendation. If you are lazy, here it is. RHB bonus saver. Lose interest of 3.x% of Rm6k (by placing rm500/month into it instead of normal FD - cannot withdraw the RM500). The reason for it is if you complete the deposit of rm500/month in the first year, your rate for the next hear will be fixed at 2.65% regardless whether you withdraw/deposit/just leave it).  Only need to pay for atm card and get 2.65% which I am sure can be FOC if we cancel the card. Good deal.

However if you are like me maximising money, you will use maybank eGIA-i as your SA. Only hassle is need to uplift and place money every time you want to withdraw money. The good part is 4%p.a every month!!! Oh, capital, returns are not guaranteed but we already know that don't we?

Hope that helps.

Thanks for confirm.
Usually i only keep floating money (for paying cc/ pocket money) into saving acc, so the amount is not that huge.
Real saving put in FD and unit trust

Hope the GIA rate keep continue for next few years

2.25% the last I checked (almost a year ago). Same as their m2savers.

For MBBsavers-i is also need to maintain min RM2000 to enjoy 2.5%pa

Source
http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal

I just got to know True Savers account will revise to 1.8%

So, I have Maybank Savers account, shift everything back to Maybank Savers or any better option for higher interest?

eFD is OK for me but preferable shorter period like 1 month.

Will need to shift tomorrow. Can I like deplete it to RM 0 for my True?

Wait, I saw this: "Kindly note that for customers who open their TRUE Savers Account before 1 May 2016, you will continue to enjoy the existing 2.8% p.a. flat interest rate on your TRUE Savers Account until 31 May 2016. All other features of TRUE Savers Account shall remain unchanged."

So, I still can keep until end of this month right? I opened my account early this year.

I'm still thinking if I should keep..
The interest rate has dropped. Now most of my funds are parked in Gia-i.

But one month limited to three times free transactions... Unless I put my fund in Transact account which has no interest...