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.

Since when FD liquidity like SA?  If one removes the principal before the term is up, one only gains like 2% interest instead of 4%. Am I right or I am missing something here?

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.

Since when FD liquidity like SA?  If one removes the principal before the term is up, one only gains like 2% interest instead of 4%. Am I right or I am missing something here?

Liquidity = ability to withdraw $$$, not similar to IR

please take out good old dictionary to check on "liquidity". 

i tot you are a financial student............

My definition of liquidity is not giving free money to banks. So if one withdraw before time is up, one is giving free money to the bank. Not good

My definition of liquidity is not giving free money to banks. So if one withdraw before time is up, one is giving free money to the bank. Not good

Ai.. Uncle scared mah..
But recently uncle is very hard to fall in sleep after see these 2 sexy
leng lui. Now quite regret did not take the picture.. 
Yes.. will do it next time if got a change like this again..
By the way, when I withdrew my OCBC FD this afternoon, I noticed I got
a blinking "PB" status in OCBC computer. According to OCBC staff, my PB
status is forever shown in OCBC system even my AUM drops below RM 300K.

OCBC staff: Oh.. Mr Boom, why don't you go inside the PB room? Staff in PB room can
work faster for you.

Me: Hah..? You mean the Premier Room? I am not a premier customer anymore

OCBC staff: You see here (turned the monitor screen to me..), you have a PB status here..

Me: Oh.. you mean this blinking PB..? I thought my PB status has been terminated since I have only RM 20K FD in OCBC?

OCBC staff: No lah.. OCBC will not simply terminate PB status, you are a PB, Mr. Boom.

Me: Oh... I see

OCBC staff: So next time Mr. Boom can go to Premier Room? This will save your time.

Me: No need lah...I like here better

OCBC staff: Why leh..? You do not like the service in Premier room?

Me: Not really lah... This is because Premier Room gives me a lot of pressure wor..

OCBC staff: Ha ha.. understood

OCBC staff: Mr. Boom, your IC is quite old, your IC numbers look so blur lah ..Oh.. very hard to see, is your IC number starts with 51?

Me: Yes, it is. But I wish it started with 81..

OCBC staff:  Ha ha ha..(a very big laugh.... next counter staffs & customers also turned their heads to us..)  Mr . Boom, you like to make joke,  ..but unfortunately we cannot stop us to become old..

Me.. Ya lah..I know.. just a wish only mah, cannot meh..?? 

Wat is IR?

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.

not really, asx sales charge 5%, means that u immediately loss 5% after buying, while fd u loss nothing even if you withdraw the next day after placement

My definition of liquidity is not giving free money to banks. So if one withdraw before time is up, one is giving free money to the bank. Not good

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?

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

interesting.
but i just witness an ocbc letter politely informing a close friend of mine that her balance is below the required limit, failing which, membership would be revoke.
nice way of saying top up or get out.
lol.

limpeh thinks that either ah boom is very handsome so leng lui want to kacao kacao or looking like korea's kim made people dare not approach you.

Today dropped by Ambank Raja Chulan promo 2 year FD 4.6%

Hah..?  2 Years FD 4.6%..? 
I just placed 5 years 4.55% yesterday.. 

Hah..?  2 Years FD 4.6%..? 
I just placed 5 years 4.55% yesterday.. 

Today dropped by Ambank Raja Chulan promo 2 year FD 4.6%