Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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 Oct 28 2015, 03:01 PM
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#181
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All Stars
24,334 posts Joined: Feb 2011  
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QUOTE(xiaohui_214 @ Oct 28 2015, 02:43 PM) so it is a good deal for short term FD compare to other? any special term and condition for apply this? If you are going for Samsung phone not worth. |
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Oct 28 2015, 03:15 PM
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#182
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(poor man @ Oct 28 2015, 03:13 PM) today walk in cimb fd promo over counter Good deal.3-5 mth 4.1% fresh / 4.0% renew 6-11 mth 4.2% fresh fund /4.1% renew 12 mth 4.3% fresh fund / 4.2% renew |
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Oct 29 2015, 10:16 AM
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#183
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(you90 @ Oct 29 2015, 10:06 AM) It means the interest rate for Maybank is not guaranteed? Yup returns and principal not guaranteed. So they can give you 4% too and when people ask why, they said "Hey I didn't guaranteed it. Is just expected returns is 4.5%". However if that were to happen, Maybank's name is mud.This post has been edited by Ramjade: Oct 29 2015, 10:17 AM |
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Oct 29 2015, 10:54 AM
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#184
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(xiaohui_214 @ Oct 29 2015, 10:47 AM) got mentioned minimum amount for this? saw the rate is quite high.. RM10k only. How long you want to lock your money? Decide then refer to front page for more info. I think best rate is cimb efd 3 months at 4%This post has been edited by Ramjade: Oct 29 2015, 10:55 AM |
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Oct 29 2015, 11:02 AM
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#185
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(xiaohui_214 @ Oct 29 2015, 10:56 AM) if for 6 months? i saw got people post is 4.6% at ambank? That one need to lock money for 2 years. If you withdraw early, sure ambank will deduct some of your principal to cover their loss. You can put 3 month efd then after that, go for another 3 months promos. Don't forget to place principal including with the interest so that your interest compound. Hence your effective rates will be more than place one shot 6 months. If you are lazy to run around, choose one shot 6 months. Can pick the bank with the highest interest. Or just a bank nearer to your house/work place. |
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Oct 29 2015, 11:17 AM
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#186
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(xiaohui_214 @ Oct 29 2015, 11:05 AM) but the money is fresh fun, i guess need to go counter to do it first right? I don't think cimb needs fresh fund. If really need. Just ibft to another bank, then ibft back. Ibft is free for now. And what's with going to counter? Is efd. |
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Oct 29 2015, 05:21 PM
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#187
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All Stars
24,334 posts Joined: Feb 2011
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Me I only have 3. M2u, cimb clicks and ambank truesaver
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Oct 29 2015, 05:30 PM
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#188
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(sandkoh @ Oct 29 2015, 05:26 PM) tun joking. then your fd mana? Correction. Plus affin bank SA. FD mana? Inside ASX FP   No need to keep chasing FD promos. Earning 6.X% p.a  apa lagi lu mau?This post has been edited by Ramjade: Oct 29 2015, 05:30 PM |
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Oct 29 2015, 05:40 PM
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#189
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(sandkoh @ Oct 29 2015, 05:34 PM) lu bluff bluff Left little bit.Tunggu mature then kasi taruh semua ke dalam asx fp. Sudah tired chasing FD promo. Lari ke bank A then bank B to get fresh fund. I didn't include in the 1 month FD, that one in ambank efd. (not enough for maybank Islamic efd). tak da fd yet study fd di sini.  |
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Oct 29 2015, 06:00 PM
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#190
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(cklimm @ Oct 29 2015, 05:53 PM) I never thought to calculate how many CASA I have, until familyfirst asked, lets see... I think you can cancel cimb and keep only air Asia savers. HSBC also can cancel (assuming you put the 5% promo)Ambank: Everyday SA, TrueSavers, TrueTransact Affin Bank: Basic Savings Account Alliance Bank: e-account CIMB: AirAsia Savers, Basic Savings, Kwik Account Hong Leong: Basic Savings i, Pay N Save current acc, Mach money box, Mach Dreamjar HSBC: Basic Savings, Advance account, Advance Easigrow Kasikorn Bank: K-Max Debit Card Acc Kuwait Finance House: Basic Savings Acc Maybank: Basic Savings Acc, M2u Savers OCBC: E-smart Savers Public Bank: Basic Savings Acc RHB: Statment Savings Acc SCB: Just One SA, Just One CA, Saadiq SA, Saadiq CA UOB: Basic Savings Acc, E-account Correction: 28 actually, including Kasikorn Bank So far I remembered these. |
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Oct 29 2015, 06:57 PM
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#191
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All Stars
24,334 posts Joined: Feb 2011
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Just want to ask, can example if one have hong leong basic savings account, can he use hong leong connect?
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Oct 29 2015, 07:45 PM
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#192
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(gsc @ Oct 29 2015, 07:36 PM) Today went to Citi bank withdraw my mature FD. Same thing. Rob/give. You really said that to the bank or you are pulling my leg? Most likely joking only. The counter girl asked why want to withdraw. I said because your bank robbed my money She said "I beg my pardon" I said i dont want to give Citi bank free money. Milo at Giant sold at 33 and Tesco sold at 31. Giant robbed me rm2? Or I give Giant rm2?  |
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Oct 29 2015, 07:52 PM
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#193
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(edwardccg @ Oct 29 2015, 07:48 PM) Hi, Don't worry. You will get your 3.25% once it matures.I just make a rm5000 Islamic Fixed Deposit-i placement in m2u for 1 month (3.25%p.a) But the the profit rate is written : "Rate as declared on maturity date" What does this mean? I was expecting 3.25% p.a as stated from their website. http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts |
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Oct 29 2015, 08:12 PM
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#194
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(sandkoh @ Oct 29 2015, 08:10 PM) tun ram, he used your tagline. I don't believe. I think he's joking with those words. |
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Oct 29 2015, 09:36 PM
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#195
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(knwong @ Oct 29 2015, 09:33 PM) Rob is a strong word. They 'short changed' you Well most like voluntarily letting them rob one of additional interest. |
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Oct 30 2015, 07:45 AM
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#196
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(michaelho @ Oct 30 2015, 12:29 AM) do u have the details of the promo? I called Aman Suria no answer . What details? Already posted on first page. What I am saying is dont put pbb note promo. Not worth it. If you put another bank's FD promo for 6 months, the interest earned will be more than enough for a note + extras. |
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Oct 30 2015, 07:31 PM
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#197
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(bennyt @ Oct 30 2015, 07:27 PM) Banks that do not pay interest for non-working days No. What it meant is if your FD maturity date fall on Saturday, you will lose 3 days interest (sat*, sun, mon). Am Bank RHB Standard & Chartered Bank Is this means bank won't pay interest for Sat/ Sun/ public holiday? So basically 1 month will lesser 8 to 10 days interest (sat & sun). Effective interest for 1 year will be way way low compare to other bank that pay interest for non-working days. Is my statement correct? *not sure you will be given interest for Sat or not. If yes, then you only lose 2 days interest. This post has been edited by Ramjade: Oct 30 2015, 07:31 PM |
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Oct 30 2015, 08:03 PM
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#198
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(Ah SiAnG @ Oct 30 2015, 07:42 PM) why monday? Banks open on Monday? |
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Oct 30 2015, 08:28 PM
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#199
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(Ah SiAnG @ Oct 30 2015, 08:21 PM) i meant why you said "you will lose 3 days interest (sat*, sun, mon)"? You won't get promo rates after your FD matured right? And is only 1 day (Monday), will they give board rates for that 1 day?banks open on Monday right? |
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Oct 30 2015, 08:37 PM
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#200
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(sandkoh @ Oct 30 2015, 08:32 PM) if fd mature on saturday, bank open on monday, only lose 2 days interest wor. But will you get promo rates for that Monday or board rates for that Monday? |
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