I have mentioned before that the capital and return is NOT guaranteed.

I think this is not the one (attached pdf) that is currently promoted, but similar in nature. MBB manager told me the current one is the highest return so far at 12 mth and effective rate of 4.5%.

This post has been edited by bbgoat: Oct 6 2015, 07:49 PM

what is meant by semi annual interest?

2 separate fd promo, similarly but not same?

hmm I heard mbb published heavily on newspaper too. same rate as published.

= interest every 6 months

This post has been edited by cybpsych: Oct 6 2015, 10:33 PM

The current one is 12 mth eff rate 4.5% (step-up).



This post has been edited by bbgoat: Oct 6 2015, 10:40 PM

Cimb eFD 3 months 4%, anyone have the full tnc?

Read tis
http://www.cimbclicks.com.my/form/T&C_eFD_...PA_Campaign.pdf

the one you attached also GIA and step-up wor. what are the differences leh?

Gia = step up 4.5%

Ai, no difference lah. MBB is currently promoting GIA-i step-up 12 mth 4.5% (diff from other FD product that are currently being promoted by MBB). No complication.

The one Wiliam attached I think is a similar GIA-i product but I think it is for illustration only, probably an older product.

This post has been edited by bbgoat: Oct 7 2015, 08:50 AM

orite gonna visit mbb soon

If you can take some risk slightly higher than FD (FD also have small risk especially if the capital is >250k in one single acct ), then I think it is a good deal. Also short term and can terminate any month within the 12 mth period.

This post has been edited by bbgoat: Oct 7 2015, 09:22 AM

Gonna park some money with CIMB, eFD hassle free too...

T&C below:
The Promotional Rate is applicable for one (1) cycle of 3 Month eFD placement only.

I assume this means i can only place one time irregardless of the amount... is my interpretation correct?

Yes

since it's from Maybank, i think still acceptable for the slightly higher risk.

the campaign target is RM3bil, may increase to RM5bil if the campaign is successful. they have RM3bil stake to achieve capital preservation and steady returns.

just a noobie view.

No,
placed few with cimb eFD and they give 4%.
i think what they meant is the next renewal will return to normal rate.

Can we set the instructions to auto credit to our account upon maturity?

U can call their customer service for clarification

The CIMB e-FD not necessary fresh fund. Can be taken from your own CIMB account to create the FD cert

But can auto credit to our account upon maturity?