Ask her to place that in writing.

While most of the time, these investments do not yield a loss, it is not guaranteed 100%. What she says are based on past stats and results. It is however, still not guaranteed. Do not take that on face value, and hold her to her words in the event it goes downhill. That's all we are advising.

My MBB PW RM also advises me that while past results shows positive yield, MBB cannot guarantee that it will not go down either. Anyone telling you otherwise is purely to entice you to be confident in your placement. What can you do if the capital goes down, even if marginally? Your effective yield may not be 4.5% then, but will you tell them, "Hey, your staff told me to ignore the Capital Not Guaranteed statement". You can't.

That's not how liquidity is defined though. It means you can take your capital out any time, in this case, without any loss to your capital. Making less when in urgent need of funds becomes unimportant then. No one wants to make premature uplifts of FD anyway. You only do it because you need the funds.

Does this OCBC has maximum amount as well? My current OCBC 4.2% only allows max RM30k which sucks.

Mine was placed March this year, 12 months.

https://forum.lowyat.net/topic/3456872/+900

Post #910. Sadly no gift,

I swear there isn't any lenglui at OCBC Bandar Puteri Puchong. Went there to make 6 mth 4.3% and 12 month 4.5% placements yesterday. And while there were many girls/ladies, none were worth looking at. Damn it, my standards must be high