Wa, you guys are fast. Anyway today I did go into the MBB 12 mth 4.5% deal.

For HL 15 mth 4.26%, the minimum was raised to 50k (from 10k). Got the news from the HL branch that I placed the FD.

Heard it is very popular so they raised the minimum deposit.

This post has been edited by bbgoat: Oct 5 2015, 10:23 PM

Tun scare meh ?

Tun still playing ASNB, not scare meh ?

ASNB risk will be higher than the MBB GIA-i. Ha ha ha. Then you will lose your student fees and have to work with the CD's.

It is a new account. But can deposit the monthly interest into my Wadiah account. Yes a cert was given. No profit rate shown just profit ratio of 30/70 shown.

Those that are scare of this one, still can go into ASNB.

If MBB or its Islamic subsidiary can get into problem, what of other banks in M'sia. Ha ha ha !

Oh, boy, it is HL.

Today was in RHB (no wonder mentioned them ) to uplift FD. The BC costs me RM5.80 !

MBB allowed me to add in personal cheque with the BC for the 4.5% promo. Effective date today.

Thanks for the earlier correction (my error).

But as to raise to 50k, not sure it is the Penang branch that I am using. This HL promotion seems to be special as not all branches are having it. So just be aware of it but can always ask the branch that nears you, maybe they are still using 10k as minimum.

Thanks for the update. You collected it from the branch ? They called you I presume.

Then have to go and get mine also.

Received 5.2% return (every 3 mths) from CIMB Callable Klibor.

So far so good.

Tun, did you sense that I am scared ??

If you are a real student, which I doubt, you better go and do more study first. Ha ha ha. You have been spending too much time in forums !!

Actually I was hoping that they would recall mine also ! 10 years and now about 3 years passed only. The previous one with return of 5.6% (I think) was recalled after 1 year plus.

It is not an FD so I should not spent too much time in here on it. It was discussed few times here in previous versions. There is a risk as well that you may not get any interest (hearing someone saying, you no scare meh ).

This post has been edited by bbgoat: Oct 6 2015, 12:18 PM

Last week Thursday when I placed for the AmBank 12 mth 4.2%, the 5 yr 4.55% was not announced yet. Last Dec to Jan 2015 I have already placed for their 3 years 4.5% FD.

Wonder if I should lock in for the 5 years one. So far do not have 5 yrs one.

This post has been edited by bbgoat: Oct 6 2015, 02:58 PM

I did mention that one of the branch told me capital guaranteed by MBB. But another branch's manager told me it is not. Anyway it shows how diff branch sometimes interpret promotions differently.

They have a 4 or 5 page "internal use only" document and some MBB staff may interpret it differently. I showed one page 2 days ago.

This post has been edited by bbgoat: Oct 6 2015, 05:33 PM

I have mentioned before that the capital and return is NOT guaranteed.

I think this is not the one (attached pdf) that is currently promoted, but similar in nature. MBB manager told me the current one is the highest return so far at 12 mth and effective rate of 4.5%.

This post has been edited by bbgoat: Oct 6 2015, 07:49 PM

The current one is 12 mth eff rate 4.5% (step-up).



This post has been edited by bbgoat: Oct 6 2015, 10:40 PM

Ai, no difference lah. MBB is currently promoting GIA-i step-up 12 mth 4.5% (diff from other FD product that are currently being promoted by MBB). No complication.

The one Wiliam attached I think is a similar GIA-i product but I think it is for illustration only, probably an older product.

This post has been edited by bbgoat: Oct 7 2015, 08:50 AM

If you can take some risk slightly higher than FD (FD also have small risk especially if the capital is >250k in one single acct ), then I think it is a good deal. Also short term and can terminate any month within the 12 mth period.

This post has been edited by bbgoat: Oct 7 2015, 09:22 AM

Gift received from HL on the FD placement made last week. 15 mth eff rate 4.26%.


Attached thumbnail(s)

Last year received 3 tier food container from HL.

Last week AmBank gave me an umbrella & water tumbler for the 12 mth 4.2%. I think the HL one is better.

This post has been edited by bbgoat: Oct 7 2015, 05:04 PM

Hard to say. BR is almost like std if you know how to ask. AmBank wise would depends. For some it may be std.