Wow, that is certainly one good deal for 5-year FD.

Surely will give BR a run for their money. But the promo runs until the end of October only, so probably won't do much damage to BR's ego

So, I assume BR will be a sitting duck until October ends & do nothing to counter AmBank's promo.

If only AmBank could extend the duration of its promo or make the 4.55% as its board rate, then we will have one mouthwatering duel

Tenkiu, tenkiu

I'm convinved that after you deposit max amount into EPF, sure to have many cash left for FD la...

EPF's dividend rate post-2007 is on the upward trend. Last year shoot up to 6.75% I set aside a portion of my $$$ in it too. Will monitor for a year or two to gauge how EPF perform during current economy environment. Hope it can prevail & declare another appealing skyward dividend rate.

When is your 5-year FD with BR & MBSB reaching their maturity? If I'm not mistaken, should be around 2017. So, you intend to place another round of 5-year FD (with the extra money after deposit to EPF)?

Fuh, banyak wealhty...can lock in $$$ in FDs for long tenure without worry

Minimum amount is RM50 per transaction, max = RM60k yearly.

Have to keep your deposit for at least 1 day since the dividend is calculated on daily balance.

Ya ka?

I'm not 100% certain. Was informed verbally by the staff when I made the deposit. No real life experience as I'm not considering to withdraw my money anytime soon.

So cannot attest nor debunk.

Kena double-check.

Not EPF's SOP to distribute 70% account 1 : 30% account 2 ka?

If you intend to participate in the self contribution programme, why want to add then withdraw your money?

I think it's better to screen out the money that you can deposit for long term vs short/medium term. Then kasi taruh abis-abis the long term $$$ into EPF to enjoy the dividend. Unless tarak tahan with the gahmen sipping $$$ out from EPF or whatever bala bencana, just commit your money in EPF. The dividend rate normally is > FD rate.

PS: Did not mention other investment options since we are discussing about EPF here...so ada sikit OT

Wow, 2017...almost cross the finish line. Mine is a year later than yours.

If based on write-ups & tales passed down from generation to generation, the 10-year cycle of stock market crash will be approaching around that time wor. By that time, I think almost everyone needs to do blood test to determine our health conditions. Not just you alone. Mana tau sekali market sink heavily ... Mana ada urge want to put 5-year FD lagi

Maybe the best practice to ride out the hard times is to live the way of life of a monk


BCC memang ever so humble...

Ok la, not super duper filthy rich...but still wealthy la...ada PB status, higher FD rates, dandy gifts etc. compared to the masses.

Strictly place 5-year FD with extra money, then the woes of MBSB makan & merge with Muamalat or not, ada PIDM or not, market collapse or not; won't distress us much.

Malaysia boleh! Kau boleh! BCC boleh!

Yup, it is with BR.
My last remaining FD certificate that is still stranded in BR


If market crash = IR most likely will fall.

Right now, if we have excess $$$, just deposit in any institution that we’re comfortable with (the higher the %, the better…usually go for the highest la ).


Just go for it

I have lost count of how many MBSB’s chapters to become a full-fledged bank went up in smoke.

The same storyline has been articulated since 2012.

Maybe this time the plot with Muamalat can hit the spot & the entire story can reach a rewarding conclusion for MBSB.

This post has been edited by HJebat: Oct 19 2015, 02:40 PM

Since last year, pulled out from BR ---> deposit in other institutions ---> recently try to store up in ASW & ASM

Just an I-my-me-mine POV:

1. PIDM is important for long term FD placement. Not really relevant/significant for short term FD placement.

2. Assuming that a bank is facing financial predicament, I doubt that PIDM has sufficient money to pay all depositors.

Wah, you have executed another round of 5-year FD placement ...this time I don't think I'm able to sit beside you in the casino. I'm taking my chips off the table.

Why choose AmBank over MBSB?

Are you able to get hold of any gifts from AmBank?

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 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.

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

Interest Rate

As highlighted by other forummers, I was referring to the fixed price funds by ASNB

How did BR send the notification to you? Through sms, email or snail mail?

I apa habuk pun tarak