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

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mohdyusof
post Nov 6 2015, 04:58 PM

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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  rclxm9.gif
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so be happy. still earn!

if the rate goes down, then you would be even happier! brows.gif
mohdyusof
post Nov 6 2015, 05:02 PM

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QUOTE(Vincent9696 @ Nov 6 2015, 04:56 PM)
Nx year maybe 4.7+
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pipu with loan will cry! cry.gif
mohdyusof
post Nov 6 2015, 06:00 PM

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QUOTE(Bonescythe @ Nov 6 2015, 05:13 PM)
next year is 5% already lor
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inflation up

pipu with fd rclxm9.gif

pipu with loan cry.gif cry.gif
mohdyusof
post Nov 6 2015, 08:14 PM

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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
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you fill up the form or tried ocbc online account?
mohdyusof
post Nov 6 2015, 11:25 PM

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QUOTE(Bonescythe @ Nov 6 2015, 11:14 PM)
Private wealth.. rm 3m and aboce only can get...

Hnwi spotted.
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spotted who? brows.gif tongue.gif
mohdyusof
post Nov 10 2015, 05:01 PM

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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.
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QUOTE(sandkoh @ Nov 10 2015, 04:59 PM)
lol sunday star money & you. 2 page some more, cannot find? hmm.gif lol laugh.gif
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i have seen it also.
mohdyusof
post Nov 13 2015, 11:51 AM

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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.
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please elaborate. 2 kinds? step-up one you mean? hmm.gif
mohdyusof
post Nov 13 2015, 01:28 PM

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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%  hmm.gif
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got, few pipu had alreidy.
mohdyusof
post Nov 13 2015, 02:30 PM

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QUOTE(cyclone9 @ Nov 13 2015, 02:23 PM)
any difference between Maybank and OCBC?
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maybank gia-i, ocbc fd.

maybank no guarantee principal an interest.
mohdyusof
post Nov 13 2015, 02:48 PM

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QUOTE(cyclone9 @ Nov 13 2015, 02:33 PM)
means OCBC better?
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maybank gives monthly interest, pro an con's.
mohdyusof
post Nov 13 2015, 03:12 PM

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

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QUOTE(cklimm @ Nov 13 2015, 04:46 PM)
wow, i gonna apply 1 too
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what is the efd rate for uob?
mohdyusof
post Nov 13 2015, 06:04 PM

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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  rclxms.gif

mohdyusof, 3 mth rate was 3.1%p.a.
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tq.

is that gift still available if one place efd with uob?
mohdyusof
post Nov 13 2015, 06:08 PM

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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.
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ya, silly of them. make appointment and still go to branch for fd. doh.gif

unless they give something for online appointment. smile.gif
mohdyusof
post Nov 13 2015, 10:40 PM

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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
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no wonder no beautiful rm want to go near you. unker goat said beautiful rm's in ocbc. tongue.gif
mohdyusof
post Nov 24 2015, 09:57 AM

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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
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learn from who? what technique?
mohdyusof
post Nov 24 2015, 10:00 AM

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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.
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dream, dreamer. one day woke up fd 6%! but when? tongue.gif

QUOTE(familyfirst @ Nov 24 2015, 09:26 AM)
Affin PIDM covered correct?  Hmmm ... shall consider but malas drive too far.
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see "free money" to bank vs petrol or effort (malas drive), which one is lebih! tongue.gif
mohdyusof
post Nov 24 2015, 01:51 PM

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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. thumbup.gif
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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? tongue.gif

This post has been edited by mohdyusof: Nov 24 2015, 01:55 PM
mohdyusof
post Nov 24 2015, 03:17 PM

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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. biggrin.gif thumbup.gif
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So no free money for bank! rclxms.gif tongue.gif

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%.
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minimum 10k as usual? hmm.gif 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
mohdyusof
post Nov 24 2015, 03:30 PM

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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.
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hnws! notworthy.gif no worry on food. watchout on asnb, may not be green always! no pidm, ok with you?

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