Already posted on first page.

Not true. You think I am bumi? Official answer is always full. No quota available. However if you refer to asx thread, there are "places" which have higher chances to open. All you need is just tell them "If got units available, I know can open account. Please try for me". If don't want to try for you, just go to another bank. However you missed the boat. Few months back you can have your pick how much you want to dump in. Now still can but chances have decrease. No harm trying to open. Only rm100 to open what. Don't be greedy by trying to open with rm10k. How do you think I managed to topup? I dont even have any book last time. One fine day, I was at klia2 and decided to try luck. Voila. I managed to open. I moved >50% of my FD inside there during the open season few months back. No need for me to keep chasing FD promo every year.

Btw, the ASX I mentioned above are tax/sc free. You buy and sell at rm1/unit. ASX FP is not FD, but for me is an upgraded version of FD. No tax/sc. Buy and sell at rm1/unit. What more can you ask? Dump it in and wait for dividends to come rolling in.

Refer to ASX thread for more info regarding concerns and etc.

I think I asked that question before here. You have to go to branch. Cannot be done via eFD. Better check with other members.

If you cannot find their bank, you can always refer to first page for other promo. Select the bank which is convenient for you. Just don't put board rate.

However cimb efd offer better deals. 4% for 3 months.

Nope. I diverted my money into asx fp. Too lazy to keep chasing FD promos. Dump and forget about it

Follow what cybpsych said. But choose Islamic efd. Don't choose the conventional one. Islamic efd give you 3.25%. Conventional gives only 3.15%.You are giving maybank free 0.1% if you choose the conventional efd

The above is valid if you have >=rm5k. If you have less than that, choose ambank Islamic efd at 3.15%. Minimum is rm1000

This post has been edited by Ramjade: Oct 25 2015, 08:32 PM

Yeah. I saw that you have corrected after posting. Too fast man.

If you can go to the bank, better go to bank. Get promo rates rather than board rates. Do not put efd unless it is really short time (1 month) or you cannot go to bank. By putting via eFD, you lose a lot for the same term. Say 1 year efd vs 1 year promo rates FD.

Amanah saham fixed price where x = ASM/as1m/asw2020
The three funds are the only funds where non-bumi can buy.
Fixed price = buy/sell unit at rm1/unit.

There are non-fixed price but that is not interesting as returns are not consistent.

Refer to this thread for more info.
https://forum.lowyat.net/topic/3711755/+1660

This post has been edited by Ramjade: Oct 25 2015, 11:16 PM

I promote bank with beet rate. Not just sa. If maybank come out with a 2.9% sa, you will see me. Promoting that.

Since when ambank and mbb give good rates? That is board rates. Board rates are not good. The only I know is cimb efd 4% for 3 months.

Alright, I will give you few examples.


These examples are ways people are giving free money to banks.
One may argue that different banks give different rates. Yes that's true. But what's stopping them from giving the same rate as their competitor? Nothing. They are just keeping the money for themselves (making banks richer as they do not need to pay out more interest). The end user is the loser as one gets lesser interest from the banks.
Banks do not reward you with gold bars even if you are loyal to them for 20+ years. Hence one's loyalty should not be with the banks but to the no in one's account.

I won't mentioned names of bank but I think you guys know which bank is that in the example given.

This post has been edited by Ramjade: Oct 26 2015, 07:33 PM

Bro that is not FD. That is deposting account into their SA. Read the fine prints before putting.

Haha... You withdraw they minus the money from you. Cause this need you to "locked in" people have showed you go for other bank promo, you have interest. That interest is enough to buy a note 5 with about RM500 left of balance. Check back the posts. Not sure this thread or the previous one.

The price of note also drop already. Besides if you know where to buy, you can knock off rm100-rm200 off the note price. So better pick another bank which offer high FD interest . Saving you say maybe rm400. Plus with other bank high interest FD, I just earned you about ~RM800

This post has been edited by Ramjade: Oct 27 2015, 12:36 PM

Precisely. I just save that guy about ~RM800 by asking him to put 6 months with other banks.

Interest - note 5 price = rm600 (price of note 5 drop)
Savings from "certain shop" = rm100-200.

Total could be ~RM800 in savings just by choosing another bank's FD. If he want to give public bank free RM800+ be my guest.

This post has been edited by Ramjade: Oct 27 2015, 12:34 PM

If you know where to buy your phone, you can get rm200 off the market price. Original Samsung malaysia warranty some more.

Good you know about directd

This post has been edited by Ramjade: Oct 27 2015, 01:27 PM

Nope no good. Cause by putting in normal savings account, one is not getting the real effective rates. Your effective rates is drastically reduced. That's why we don't talk about this kind of CASA - FD here.

Where got bonus? If got bonus, I want to dump ambank Truesavers. Bonus guaranteed?

This post has been edited by Ramjade: Oct 27 2015, 04:47 PM