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 Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2

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yygo
post Oct 6 2015, 12:08 PM

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QUOTE(BoomChaCha @ Oct 6 2015, 08:29 AM)
Am Bank FD Promo
(1) 2 months 3.7% - end Nov
(2) 5 months 4.0% - end Nov
(3) 12 months 4.2% - end Nov
(4) 5 years 4.55% with semi annual interest - end Oct

All min RM 10k

For (3) & (4), 50 years old and above can get monthly interest
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some one calculated 4.2% yearly interest compounded to 5 years is 4.5% also, rite? hmm.gif hmm.gif
bbgoat
post Oct 6 2015, 12:13 PM

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QUOTE(Ramjade @ Oct 6 2015, 05:07 AM)
Er, unkle goat, didn't you know PNB just recently declare asnb "national intereet". I play only ASX FP. tongue.gif

If Unker scared, Unker can always play ASX FP, for one month. Put in 1 month before dividend declare (say date of supposed declare = 1/4/2016) Put in no later than 1/3/2016. In one month time dividend profit of 6.X%. After that just leave rm100 inside there. Withdraw the rest out.
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laugh.gif Tun, did you sense that I am scared ?? tongue.gif

If you are a real student, which I doubt, you better go and do more study first. Ha ha ha. You have been spending too much time in forums !! laugh.gif tongue.gif
bbgoat
post Oct 6 2015, 12:17 PM

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QUOTE(cherroy @ Oct 6 2015, 09:37 AM)
Mine one already being recalled prematurely by the bank.  vmad.gif

This is the disadvantage of invested into "callable" product.
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Actually I was hoping that they would recall mine also ! cry.gif 10 years and now about 3 years passed only. The previous one with return of 5.6% (I think) was recalled after 1 year plus. biggrin.gif

QUOTE(KTCY @ Oct 6 2015, 11:53 AM)
Noob here. How this work? Saw from the web min 65k and add up 5k in future?
Care to explain?
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It is not an FD so I should not spent too much time in here on it. It was discussed few times here in previous versions. There is a risk as well that you may not get any interest (hearing someone saying, you no scare meh tongue.gif ). biggrin.gif

This post has been edited by bbgoat: Oct 6 2015, 12:18 PM
Ramjade
post Oct 6 2015, 12:26 PM

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QUOTE(bbgoat @ Oct 6 2015, 12:13 PM)
laugh.gif Tun, did you sense that I am scared ??  tongue.gif

If you are a real student, which I doubt, you better go and do more study first. Ha ha ha. You have been spending too much time in forums !!  laugh.gif  tongue.gif
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Like I said, Unker not scared what. The amount is like a drop in the ocean for Unker goat. tongue.gif

Actually you are right. I spend too much time in LYN forum. sad.gif Already said student. But up to Unker want to believe or not.

This post has been edited by Ramjade: Oct 6 2015, 12:27 PM
KTCY
post Oct 6 2015, 12:47 PM

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QUOTE(bbgoat @ Oct 6 2015, 12:17 PM)
Actually I was hoping that they would recall mine also !  cry.gif 10 years and now about 3 years passed only. The previous one with return of 5.6% (I think) was recalled after 1 year plus.  biggrin.gif
It is not an FD so I should not spent too much time in here on it. It was discussed few times here in previous versions. There is a risk as well that you may not get any interest (hearing someone saying, you no scare meh  tongue.gif ).  biggrin.gif
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Lol. Investment always come with a risk.
I'm fine with it..tell me more lol.
Human Nature
post Oct 6 2015, 12:50 PM

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QUOTE(BoomChaCha @ Oct 6 2015, 08:29 AM)
Am Bank FD Promo
(4) 5 years 4.55% with semi annual interest - end Oct
For (3) & (4), 50 years old and above can get monthly interest
*
5 years 4.55% + monthly interest means we can uplift anytime with very minimal loss on the interest (the most lose 1 month). This is better than SCB 4.5% promo!

If only 1 joint account holder is above 50 years old, still can get monthly interest?

This post has been edited by Human Nature: Oct 6 2015, 12:50 PM
Ramjade
post Oct 6 2015, 12:51 PM

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QUOTE(Human Nature @ Oct 6 2015, 12:50 PM)
5 years 4.55% + monthly interest means we can uplift anytime with very minimal loss on the interest (the most lose 1 month). This is better than SCB 4.5% promo!

If only 1 joint account holder is above 50 years old, still can get monthly interest?
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Like that sure bank will deduct your principal.
Human Nature
post Oct 6 2015, 12:52 PM

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QUOTE(Ramjade @ Oct 6 2015, 12:51 PM)
Like that sure bank will deduct your principal.
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Unless there is a term specifying so hmm.gif
Ramjade
post Oct 6 2015, 12:54 PM

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QUOTE(BoomChaCha @ Oct 6 2015, 08:29 AM)
Am Bank FD Promo
(1) 2 months 3.7% - end Nov
(2) 5 months 4.0% - end Nov
(3) 12 months 4.2% - end Nov
(4) 5 years 4.55% with semi annual interest - end Oct

All min RM 10k

For (3) & (4), 50 years old and above can get monthly interest
*
Is the 5 years one for priority customer the rates?
Ramjade
post Oct 6 2015, 12:57 PM

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QUOTE(Human Nature @ Oct 6 2015, 12:52 PM)
Unless there is a term specifying so  hmm.gif
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Banks will not let you win. Sure got some way for them to cover their loss. Like that people remove after 1 year, sure rugi. FDs are liabilities to banks.
Human Nature
post Oct 6 2015, 12:59 PM

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QUOTE(Ramjade @ Oct 6 2015, 12:57 PM)
Banks will not let you win. Sure got some way for them to cover their loss. Like that people remove after 1 year, sure rugi. FDs are liabilities to banks.
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let me try to email CS for the T&C..will share here if they reply
wil-i-am
post Oct 6 2015, 01:09 PM

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QUOTE(Ramjade @ Oct 6 2015, 12:54 PM)
Is the 5 years one for priority customer the rates?
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Nope as it open to all
wil-i-am
post Oct 6 2015, 01:16 PM

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QUOTE(Human Nature @ Oct 6 2015, 12:50 PM)
If only 1 joint account holder is above 50 years old, still can get monthly interest?
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Yes
bbgoat
post Oct 6 2015, 01:29 PM

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QUOTE(BoomChaCha @ Oct 6 2015, 08:29 AM)
Am Bank FD Promo
(1) 2 months 3.7% - end Nov
(2) 5 months 4.0% - end Nov
(3) 12 months 4.2% - end Nov
(4) 5 years 4.55% with semi annual interest - end Oct

All min RM 10k

For (3) & (4), 50 years old and above can get monthly interest
*
Last week Thursday when I placed for the AmBank 12 mth 4.2%, the 5 yr 4.55% was not announced yet. Last Dec to Jan 2015 I have already placed for their 3 years 4.5% FD.

Wonder if I should lock in for the 5 years one. So far do not have 5 yrs one. hmm.gif

This post has been edited by bbgoat: Oct 6 2015, 02:58 PM
mohdyusof
post Oct 6 2015, 02:56 PM

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QUOTE(Ramjade @ Oct 6 2015, 12:26 PM)
Actually you are right. I spend too much time in LYN forum. sad.gif Already said student. But up to Unker want to believe or not.
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kawan, rajin belajar lah! Nanti guru marah! icon_rolleyes.gif tongue.gif
Vincent9696
post Oct 6 2015, 04:37 PM

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QUOTE(bbgoat @ Oct 6 2015, 08:31 AM)
Received 5.2% return (every 3 mths) from CIMB Callable Klibor.  rclxms.gif

So far so good.  tongue.gif
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Wow , not bad...
[Ancient]-XinG-
post Oct 6 2015, 04:41 PM

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I asked the mbb gia thing already. The assistant manager say capital guarantee LOL!
bbgoat
post Oct 6 2015, 05:31 PM

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QUOTE(Ancient-XinG- @ Oct 6 2015, 04:41 PM)
I asked the mbb gia thing already. The assistant manager say capital guarantee LOL!
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I did mention that one of the branch told me capital guaranteed by MBB. tongue.gif But another branch's manager told me it is not. Anyway it shows how diff branch sometimes interpret promotions differently.

They have a 4 or 5 page "internal use only" document and some MBB staff may interpret it differently. I showed one page 2 days ago. biggrin.gif

This post has been edited by bbgoat: Oct 6 2015, 05:33 PM
pisces88
post Oct 6 2015, 05:58 PM

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QUOTE(cklimm @ Oct 5 2015, 09:55 PM)
cool, and i just back from OCBC, claimed my Hugo Boss Pen for FD promo in july

[attachmentid=5067438]
the box

[attachmentid=5067439]
opening

[attachmentid=5067443]
warranty card and stuffs
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nice. waiting them to call me sweat.gif
wil-i-am
post Oct 6 2015, 07:19 PM

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QUOTE(bbgoat @ Oct 6 2015, 05:31 PM)
I did mention that one of the branch told me capital guaranteed by MBB.  tongue.gif But another branch's manager told me it is not. Anyway it shows how diff branch sometimes interpret promotions differently.

They have a 4 or 5 page "internal use only" document and some MBB staff may interpret it differently. I showed one page 2 days ago.  biggrin.gif
*
The principal r not guarantee
http://www.maybank2u.com.my/WebBank/giai300915_PDSterm.pdf

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