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Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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mohdyusof
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Nov 6 2015, 04:58 PM
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Getting Started

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QUOTE(Plutoman @ Nov 6 2015, 04:50 PM) Will rugi more if I withdraw because i put early last month. Next month go maturing FD, hope the competition get more and more intense  so be happy. still earn! if the rate goes down, then you would be even happier!
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mohdyusof
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Nov 6 2015, 05:02 PM
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Getting Started

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QUOTE(Vincent9696 @ Nov 6 2015, 04:56 PM) pipu with loan will cry!
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mohdyusof
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Nov 6 2015, 06:00 PM
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Getting Started

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QUOTE(Bonescythe @ Nov 6 2015, 05:13 PM) next year is 5% already lor inflation up pipu with fd pipu with loan
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mohdyusof
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Nov 6 2015, 08:14 PM
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Getting Started

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QUOTE(cklimm @ Nov 6 2015, 07:59 PM) i tried it, its more like making appointment online. Someone will call you upon filling the forms you fill up the form or tried ocbc online account?
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mohdyusof
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Nov 6 2015, 11:25 PM
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Getting Started

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QUOTE(Bonescythe @ Nov 6 2015, 11:14 PM) Private wealth.. rm 3m and aboce only can get... Hnwi spotted. spotted who?
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mohdyusof
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Nov 10 2015, 05:01 PM
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Getting Started

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QUOTE(Vincent9696 @ Nov 10 2015, 04:49 PM) Did not found any info in the star , appreciate some one may attach related info . Thanks. So far. , im pretty confidence against maybank policy (close ended bond) , but things may change , what we can do is , lets see their interest given within this whole year tenure. QUOTE(sandkoh @ Nov 10 2015, 04:59 PM) lol sunday star money & you. 2 page some more, cannot find?  lol  i have seen it also.
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mohdyusof
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Nov 13 2015, 11:51 AM
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Getting Started

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QUOTE(goolie @ Nov 13 2015, 11:36 AM) there are 2 kinds of FD in the market. Do you guys know what is the difference? coz sometimes the bank offers highest rate but it might not be that good due to interest calculation is different. please elaborate. 2 kinds? step-up one you mean?
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mohdyusof
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Nov 13 2015, 01:28 PM
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Getting Started

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QUOTE(Chili_90 @ Nov 13 2015, 01:20 PM) seems like no 1 willing to go for maybank 4.5% instead of ocbc 4.5%  got, few pipu had alreidy.
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mohdyusof
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Nov 13 2015, 02:30 PM
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Getting Started

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QUOTE(cyclone9 @ Nov 13 2015, 02:23 PM) any difference between Maybank and OCBC? maybank gia-i, ocbc fd. maybank no guarantee principal an interest.
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mohdyusof
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Nov 13 2015, 02:48 PM
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Getting Started

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QUOTE(cyclone9 @ Nov 13 2015, 02:33 PM) maybank gives monthly interest, pro an con's.
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mohdyusof
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Nov 13 2015, 03:12 PM
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Getting Started

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QUOTE(harmonics3 @ Nov 13 2015, 03:10 PM) Also Maybank GIA still gives full interests if terminated prematurely. good point. plus for maybank.
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mohdyusof
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Nov 13 2015, 04:57 PM
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Getting Started

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QUOTE(cklimm @ Nov 13 2015, 04:46 PM) what is the efd rate for uob?
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mohdyusof
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Nov 13 2015, 06:04 PM
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Getting Started

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QUOTE(sweetie_viking @ Nov 13 2015, 05:31 PM) I don't know what's the minimum. I small time only player la so i only put RM2k for 3 months. still, happy to receive surprise gift la mohdyusof, 3 mth rate was 3.1%p.a. tq. is that gift still available if one place efd with uob?
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mohdyusof
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Nov 13 2015, 06:08 PM
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Getting Started

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QUOTE(kit2 @ Nov 13 2015, 05:41 PM) you scrolled down, but didn't you see "OCBC Online Fixed Deposit Exclusive"? I didn't say they offer 4.5% for online Fd. i was lamenting they promoted in a misleading manner. ya, silly of them. make appointment and still go to branch for fd. unless they give something for online appointment.
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mohdyusof
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Nov 13 2015, 10:40 PM
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Getting Started

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QUOTE(gsc @ Nov 13 2015, 10:35 PM) Typical bank approach. Trying to get customers change their mind to look into other investment products. I have gone through this once and the staff already knew what I want is pure FD no wonder no beautiful rm want to go near you. unker goat said beautiful rm's in ocbc.
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mohdyusof
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Nov 24 2015, 09:57 AM
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Getting Started

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QUOTE(gsc @ Nov 23 2015, 11:45 PM) I know....UOB has tightened the execution of fresh fund rule.....like to learn from that guy learn from who? what technique?
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mohdyusof
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Nov 24 2015, 10:00 AM
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Getting Started

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QUOTE(Bonescythe @ Nov 23 2015, 08:48 PM) So who will follow well behind affin and counter with a 4.7 4.8 ? I am guessing uob. dream, dreamer. one day woke up fd 6%! but when? QUOTE(familyfirst @ Nov 24 2015, 09:26 AM) Affin PIDM covered correct? Hmmm ... shall consider but malas drive too far. see "free money" to bank vs petrol or effort (malas drive), which one is lebih!
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mohdyusof
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Nov 24 2015, 01:51 PM
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Getting Started

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QUOTE(Ramjade @ Nov 24 2015, 10:00 AM) For me Last time when placed FD, no need to drive far. Affin, maybank, cimb all within walking distance of each other. So I simply pick the one with the highest rates.  jika one bank give higher fd rate, do you still drive to the place even if it is some distance away? or you just give "free money" to the bank dekat kamu? This post has been edited by mohdyusof: Nov 24 2015, 01:55 PM
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mohdyusof
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Nov 24 2015, 03:17 PM
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Getting Started

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QUOTE(Ramjade @ Nov 24 2015, 02:24 PM) All the banks within same place for me. Last time only affin and cimb gives the best rates. So no problem for me. Never considered mbsb as no pidm. Uob attractive but affin bank better (last time) and Affin nearer. Why go far for not attractive rates. So dump all into affin. Loyal affin customer. HL bank was within walking distance from my housr. However instead of putting in HL, I went for affin. So in a way, yes, I did go for a further bank which gave better rates.  So no free money for bank! QUOTE(cherroy @ Nov 24 2015, 03:10 PM) Just know that UOB comes out with a better rate for 12 months at 4.4%. 6 months 4.2%. minimum 10k as usual?  until Dec? uob still lose out to ocbc 4.5%, both competing with each other. This post has been edited by mohdyusof: Nov 24 2015, 03:18 PM
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mohdyusof
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Nov 24 2015, 03:30 PM
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Getting Started

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QUOTE(Ramjade @ Nov 24 2015, 03:22 PM) Got free cash in hand park in ambank Truesavers and ambank Islamic efd 1 month (less than rm5k so no choice). Once it hit rm5k, (Truesavers + Islamic efd), I will transfer rm3k to ASM. And just keep free cash in hand at rm2k. More than enough for me to last the month. hnws!  no worry on food. watchout on asnb, may not be green always! no pidm, ok with you?
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