Assuming if you waited 15 days for a 4.7% 12 months FD in 2016, then you are actually getting 4.51% in effective terms.
If there is no such 4.7% rate in 2016 and rates remain at 4.5%, then you are getting 4.32% for losing 15 days interest.

I throw PAV reit at 1.52 per share because of AmBank 4.6%.

I merely use the 4.6% FD as the yardstick to ditch PAV reit.
I personally don't see promo FD rate can go as high as 5% next year if the OPR remain as it is. 4.6% FD promo rate for mid term deposit has exceeded the average housing loan lending rate and this phenomenon is extremely rare. I don't recall if such occurrence happened in the past even during the last financial crisis 17 years ago.
I do hope OPR remain as it is but promo FD rate raise above 5% By that time, every one start ditching ASX, Bonds, reits for better security.

Your investment in Maybank can fail and risk capital loss but Maybank still can remain strong and steady.

Hello, MBSB is not a bank.

Any reason you want to do that?

If placed the FD OTC previously, then you can only withdraw it OTC.
Online FD withdrawal is only for online FD placement at board rate.


No. Can't do that. Must go back to home branch.
Why not Affin at 4.6% 15 mths ?

What's your FD tenure previously ? Don't withdraw now and loose 2 months interest for nothing. Keep it at least 3 months till January then only withdraw and entitle to 50% of the 3.3% interest.

You don't need to bring the SA passbook in order to credit the FD withdrawal.

Don't give free money to banks is your motto but you did not advice Alexis not to give free money to HLB.