make it simple, if dont want get tricky/confuse with MBB's GIA-i, then go for the traditional OCBC FD.

u sure?

how?

u double sure?

where is the online placement? where to deposit my RM10k?

i know it was written "online" everywhere on the page, and very obvious cant make online placement except booking appointment (also for what reason)

bag sudah finished

yes, at least they notify potential users viewing from website

haha advert on paper takes time to change, cuz they submitted the artwork in advance

seriously, please read all the supporting documents about this GIA-i promo la.

Campaign Fact Sheet | Terms & Conditions | Product Disclosure Sheet

read particularly the Product Disclosure Sheet. there are explanations.


as i said earlier, if uncomfortable, go for OCBC 4.5% promo rate.

read the PDS

The Fund performance report will be made available alongside the quarterly financial statements at all branches and
published via website accessible at www.maybank.com.my/islamic

that's the little uncomfortable negligible/acceptable risk to take.

me same like wil-i-am, fund locked for 2yrs FD. my fd is with Affin at 4.38% p.a. rate. maturing later 2016. but last year during placement, it was the best deal.

if we know FD promo reaches 4.5% p.a. for 12mth placement, i would have put 1yr placement liao

of course if i know the future, i'd play toto/4d as well already.

This post has been edited by cybpsych: Nov 18 2015, 09:39 AM

read the T&Cs http://www.ocbc.com.my/assets/pdf/Accounts...l2_43_45_en.pdf

last year MBB's IBG limit was 10k per day.

i had to IBG 3 days continuously to Affin CASA, before placing the 2yr FD there on the 4th day

Affin accept fund if "freshness" not longer than 5 days or so.

what FD rate you getting now with PBB's 4mth? perhaps there are other better rates out there than your current PBB?

dont think so.

however, when you make the placement, instruct them to credit the interest and principal back into CASA.


just so happened my 2014's OCBC 12mth FD matured last Saturday, the principal+interest were automatically credited into my OCBC CASA.

then i use the principal to reduce my OCBC home loan, then IBFT the interest out to Maybank

please STOP discussing ASX/UT.

you're making the topic unnecessarily a mess.

this is NOT a conventional FD. It's Islamic Mudarabah GIA-i (General Investment Account-i), has some similarities with FD but operates differently.

which part of the rate you're interested? 6.0%? or 4.5%?

This post has been edited by cybpsych: Nov 26 2015, 07:08 AM

Maybank is currently facing service difficulty performing eFD activities in M2U.

No service restoration timeline provided, but they are currently fixing it.


**Update: Working fine now.**

This post has been edited by cybpsych: Nov 26 2015, 03:51 PM

ocbc got 4% efd?

what gift?

the "nearest" promotion from OCBC is the eSmartSavers account, promo 4% rate until 31 Dec.