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 Fixed Deposit Rates In Malaysia V. No.9, Please Read Post#1 and #3

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wil-i-am
post Oct 3 2015, 11:03 AM

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MBSB FD could b PIDM if it's proposed merger with Bank Muamalat Malaysia Bhd is on
wil-i-am
post Oct 3 2015, 12:07 PM

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QUOTE(Human Nature @ Oct 3 2015, 12:00 PM)
same here..but will they still retain the 4.5%? that will be the question  hmm.gif
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As long as u have lock in the rate, they will honour the rate until maturity
wil-i-am
post Oct 3 2015, 12:15 PM

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QUOTE(Human Nature @ Oct 3 2015, 12:14 PM)
oh i mean retain the rate for new depositors after merger  blush.gif
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I dun have the answer now
wil-i-am
post Oct 3 2015, 03:42 PM

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QUOTE(guy3288 @ Oct 3 2015, 03:13 PM)
expect get 14+ on 8.10.15 buy ASW
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If ASW not available, wud u choose ASM/AS1M?
wil-i-am
post Oct 3 2015, 03:48 PM

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QUOTE(bbgoat @ Oct 3 2015, 03:32 PM)
MBB one was discussed several page back. Similar to MBSB general investment i. No PIDM. 12 mth step up eff rate 4.5% monthly interest.
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I dun think Mbb will pay 4.50% every mth as 4.50% is the effective rate
I suppose they will follow the table schedule namely 1st 6 mths @ 4.00%, 2nd 4 mths @ 4.50% n bal 2 mths @ 6.00%
wil-i-am
post Oct 3 2015, 11:25 PM

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QUOTE(zero721 @ Oct 3 2015, 10:50 PM)
Anyone tried CIMB 3 months 4% FD?
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Me
wil-i-am
post Oct 4 2015, 08:56 AM

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QUOTE(jason83 @ Oct 4 2015, 03:09 AM)
I am thinking of getting this too, any feedback? pros cons? Thanks
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Straight forward FD without tiers n no need to open CASA
wil-i-am
post Oct 4 2015, 01:45 PM

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QUOTE(wca @ Oct 4 2015, 12:36 PM)
If HL credit interest monthly into the SA, consider "activity" isn't it? hmm.gif
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Nope
If u have online banking, I wud suggest u perform 'inter bank transfer' transaction via IBFT (either outgoing or incoming) since the charges is FOC until 31/12/2015
wil-i-am
post Oct 4 2015, 08:43 PM

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For those depositors who can embrace risk, better goes for Maybank 12 mths product (non PIDM) instead of 3 mths promo as returns r higher
wil-i-am
post Oct 4 2015, 09:10 PM

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QUOTE(Vincent9696 @ Oct 4 2015, 09:07 PM)
Does anyone able to view attachment? I open it but automatically close down.

I wanna know how much the minimum and fresh fund require?
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RM10k for both products
wil-i-am
post Oct 5 2015, 08:36 AM

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QUOTE(kelvin_rp88 @ Oct 4 2015, 10:12 PM)
hi, cimb is offering 4% for 3 months.
is it worth?

https://www.cimbclicks.com.my/eFD.html
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The rate is very competitive
Wat is yo concern?
wil-i-am
post Oct 5 2015, 10:19 AM

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QUOTE(cklimm @ Oct 5 2015, 07:48 AM)
well, the upside is limited to merely 4.5%p.a, while the downside is technically unlimited as neither capital nor profit is guaranteed,
if the bank goes kaput, all they need to do is just say: sorry, we just screwed up  brows.gif
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I supposed the downside is limited too as it carry Maybank brand
If Maybank kaput, all local Banks will go bust too

wil-i-am
post Oct 5 2015, 10:21 AM

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QUOTE(cybpsych @ Oct 5 2015, 09:34 AM)
after reading your attachment earlier, and this comment above, seems to be ok to put some eggs in mbb 12mth GIA biggrin.gif

btw, casa requirement, does it need islamic casa? i got Wadiah Savings and M2U Savers.
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Wadiah Savings is Islamic CASA

wil-i-am
post Oct 5 2015, 10:28 AM

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QUOTE(bbgoat @ Oct 5 2015, 10:16 AM)
Cannot be. ASNB risk is MUCH higher !  tongue.gif
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I wud reckon ASNB FP risk is lower than Maybank 12 mths
wil-i-am
post Oct 5 2015, 10:40 AM

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QUOTE(cybpsych @ Oct 5 2015, 10:28 AM)
aint all FD have this OPR disclaimer in their T&Cs? smile.gif
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The clause is to protect Banks so tat they can revised promo rate
wil-i-am
post Oct 5 2015, 11:15 AM

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Final countdown begins...

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