So uncle goat want to put bsn or not? So high interest. But don't think got leng lui.

unkle ramjade suka unties in bsn?high interest, u joker la 5yrs lagi! mbsb 5hr 4.7%!!

This post has been edited by sandkoh: Jul 24 2015, 09:40 AM

Mbsb, no protection. Among the banks with protection bsn offer the best rates for now.

Not yet uncle la. Still student. Only likes high interest. Don't care about leng lui.

if not y they linked themselves to it? well, its kinda missleading.

insurance is always insurance. it gives u assurance specifically when sheet happens to bank. i didnt say its better, jus dat d gomen backed soooo many financial stuff d. it scares me wether they had d ability to cover all!



apparently, d gomen of d day provide d safety blanket. where d money come from?? there is no money allocated for this purpose. its undecided amount. its call bailout.

hamsap kiddo? unkle la pretent pretent onli.
u think bsn full protection like bank rakyat?

Hahaha, 4.5% for 5 yrs cannot be high. Have put 15 mths 4.5% SCB. 5 yrs just too long. Would go for MBSB 5 yrs 4.7%.


What protection ? In life have to take some risk, kiddo (or uncle Ram ).

Just back from Maybank
Their FD Amazing 6+6 will expire today
1st 6 mths - 4.04%
Next 6 mths - 4.30%
Effective - 4.17%

I don't know. There is no reason BSN need to use PIDM logo to mislead people because it will be consider a "self downgrade" if they do that. Its full government guarantee is much more superior that PIDM insurance.

This post has been edited by aeiou228: Jul 24 2015, 12:52 PM

a few months back, i said it doesnt make sense for govt run financial institutions to have PIDM. but then a poster replied PIDM is an insurance so it's more superior to govt guarantee

Can you share the link of that post?

with the insurance, the govt is bounded by legal obligation whereas for br, bsn and mbsb, the govt can say no?

see

https://forum.lowyat.net/index.php?showtopi...post&p=74532452

better use e-Fixed Deposit instead.

the cost of placing a conventional FD would offset the profit from 1mth FD interest gain.

The best 1mth eFD in the town available on Affin online, not sure if they allows online withdrawal though

Kakak CIMB,Maybank, RHB pun ada, but they never kacao me

Maybank offers bundle FD with UT on 1:1 basis
a. 3 mths FD @ 8.88% (fresh funds)
b. 3 mths FD @ 7.88% (non fresh funds)
c. Min sum is RM20k each
d. Campaign until 29/7/2015
e. Must invest in UT offer by ASNB namely ASN2, ASN3 or ASG

I did search before, looks like Affin has the highest for the 1 mth 3.25% FD. But BR's rate is 1 mth 3.4% except no PIDM.

I ended up still put in CB for 2.95%, amt xxk. Too much hassle to go to the banks (BR) just to do the 1 mth FD (back 1 mth later). Do online for the CB FD and can even call to terminate if needed. Convenience is the key.

Oh, kakak did not kacao you. Your avatar showed a very serious side, more like the Korean Kim's .......... Pulling your legs.

This post has been edited by bbgoat: Jul 24 2015, 04:03 PM

yes. fully guarantee by gomen. not onli for fixed deposits. in fact, all types of acc. savings acc, current acc, unit trust etc. in other words, it will turns to bailout.


its good to hav. it reduce gomen risk.

With USA rates planned to regularly go up in increments within 6 months, wouldn't world-wide and these be rising too? 5-yr tie ups risky?

I'm think cherroy was not refering to full sovereign guaranteed deposit taking financial institions.
Off hand, I can only think of three names ie. BSN, SSPN and KWSP are Di Jamin penuh oleh kerajaan Malaysia. Please add to the list if you can think of any other name.

Read here for the limitation of PIDM. (Of course, better than nothing la)
https://forum.lowyat.net/index.php?showtopi...post&p=75241935

Ada unkle ramxxxx cakap 5 tahun 4.5% best.