does the same argument apply for asnb?

No I don't think so. I think the principal is guaranteed (only for ASX FP) but not the returns.

This post has been edited by Ramjade: Oct 19 2015, 10:31 PM

so technically speaking, maybank gia-i according to its t&c is not capital nor return guaranteed. asx fp should be superior.

that's why i brought this up. nevertheless, just my humble opinion.

kawan, asnb cannot guarantee principle. it is a ut.

what, you mean because asx fp principle guaranteed? no way, pal.

This post has been edited by yygo: Oct 19 2015, 10:35 PM

Wah, like this good oh..just get the PB status one time, then reduces the amount...Is FD placement + cert issuance faster at PB room compared to normal area?

higher returns. from the looks of it maybank gia-i also some sort of UT kinda thing.

both kind of similar. some sort of ut except the gia-i invest in mbb islamic.

In Penang, my experience is not many people in the PB room for FD placement. Pretty fast. Could be time of day, not 100% sure.

Wasai, so can pull out the 300k and still remain PB ? Captain has said something like that before.

But some banks will start charging monthly fees.

This post has been edited by bbgoat: Oct 19 2015, 10:44 PM

Yeah. You are right. But the beauty of ASM, ASW & AS1M is they are fixed price. You buy at RM1 and you sell at RM1 too. The closest to capital guaranteed.

Yes, there is somebody will work dedicated for PB customers in side the Premier Room, so the
work progress will faster than the normal customer service and teller in bank lobby.

But do you know who are inside the Premier Room?
When you walk in the Premier Room, the RM in side the Premier Room will not let
you go until you buy the investment products from them, the Premier Room is a
trap lah.. Lat time I was surrounded by 3 leng lui RMs leh, almost
could not escape out of the Premier Room..

I feel more comfortable sitting in the bank lobby..

This post has been edited by BoomChaCha: Oct 19 2015, 10:50 PM

provided their investment is no issue. but you cannot say capital guaranteed...........

i need to remember to ask about the monthly fees if below AUM the next time I am there. Hopefully OCBC has good FD rates when my SCB matures next year, can be the destination liao.

I can withstand it, I am good in making 'muka bodoh' one. Nobody will layan.

My case is the other way round, i enter HSBC premier hall, get myself hot latte, read newspaper while, dip cookies into kopi, finish then cabut. No one bothered to kacau me.

ASNB...my new betting house

Even if your FDs are scattered across the globe, it is still considered as putting all your eggs in a basket, no meh?

How come? FD interest cannot keep up?

Guys, can anyone share me the link to the 4% CIMB promotion? Can't find it anymore... thanks!

https://www.cimbclicks.com.my/eFD.html

My experience, OCBC staff service attitude is not as good as UOB and the OCBC online feedback/enquiry hardly replied in time.

How about capital is preserved?

guy3288 punya quote


Awal-awal I kasi disclaimer so that others don't kacau-kacau:
*I'm well aware of the beauty & beast side of FD & ASx
*Whatever I post here = my personal preference & arrangement

Wokey, so...

1. FD % < ASx %

2. FD has a lock-in period, none for ASx

**Both pose minimal risk to the holders
**Both possess liquidity like SA

Thus, according to my memandai-mandai punya deduction, ASx > FD

So, whenever opportunity knocks, I kasi taruh & hentam sama itu ASx.