ot. why hnwi onli?

I mean more suitable , because more than 300k , they gv better rate than normal FD promotion , one thing is whether the customer/investor interesting with bundle to unit thrust

then will be 600k ut:300k fd or 1.5mil ut:300k fd.

wa, the investor must be willing to take a hit, but sc if 5% will take the gain from fd!

you selling ut, which company?

This post has been edited by sandkoh: Nov 22 2015, 03:34 PM

Hi guys
these promotional FD requires us to apply in person? for example, i dont see the RHB's promotional rate if I were to do FD placement online.

depends on the promotion, most of them require placement over the counter.

read the terms and conditions for the respective FD promo

I believe the staff have been instructed to follow strictly "fresh fund" rules to the T.
However there are ways to work round the system..only thing is, whether the person handling it want to go thru the trouble to do it or not.

Usually successful with the branch where the cashiers are familiar with me liao.
I used to mengamuk...maybe they don't want listen to my broken tape recorder

1) if i take cash and go drink coffee and come back u want the money or not?? if yes, then u do extra work count $$ bagi saya,,, i give u back $$ , u count again...cari kerja kan??

2) U worry system catch u not follow rule...ok u give me "cash withdrawal"... I go another counter and place new fd.
If want to avoid double counting, don't give me the cash...just pass to your colleague. U worry some more, I can add/minus the amount so it shows a different sum.

thanks for sharing your experience, interesting indeed.

so can always try to convinve counter gal/guy to take matured fd as fresh fund. several techniques.

Have you try these techniques lately (less than 2 weeks) on UOB?

my opinion, uob is a tough nut to crack.

affin bank year end deposit bonanza 2015

1 month 4.05% pa
2 month 4.10% pa
15 months 4.60% pa


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the 15 month 4.6% is veri good, better than ambank 2 yrs 4.6%.

Now we are talking. Better than their previous promo which have to put 6 months before putting for 1 year. The previous not attractive at all.

Competition is good! Hopefully next month some banks will offer 4.7%!

but hnws all $$ in asnb. no more playing fd musical chair?

This post has been edited by sandkoh: Nov 23 2015, 10:43 AM

First not hnws. Second, yup no more playing musical chair. Just waiting for my FD to mature and then transfer.

besides maybank, cimb, and hong leong, which bank still got offer e-fixed deposit? which one has best rate for one-month deposit?

Maybank best for 1 month efd. Their Islamic efd gives 3.25%. The highest for one month efd. But it needs min rm5k.

If you don't have rm5k, can try ambank Islamic efd 1 month
3.15%. Minimum rm1k

Wow... the music gets louder now.. Now Affin bank is talking louder again.. Haha

I think next year will be 5% easily la.. Haha

anyone have ocbc ? during fd mature can u request it withdraw through online？

dont think so.

however, when you make the placement, instruct them to credit the interest and principal back into CASA.


just so happened my 2014's OCBC 12mth FD matured last Saturday, the principal+interest were automatically credited into my OCBC CASA.

then i use the principal to reduce my OCBC home loan, then IBFT the interest out to Maybank