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 Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2

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tonytyk
post Oct 7 2015, 05:40 PM

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QUOTE(bbgoat @ Oct 7 2015, 04:53 PM)
Gift received from HL on the FD placement made last week. 15 mth eff rate 4.26%.  biggrin.gif
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WHich branch have such gift ?
tonytyk
post Oct 7 2015, 06:41 PM

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QUOTE(bbgoat @ Oct 7 2015, 05:01 PM)
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.  biggrin.gif
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Mind to share a snapshot of the water tumbler?
tonytyk
post Oct 7 2015, 08:20 PM

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QUOTE(Ramjade @ Oct 7 2015, 06:51 PM)
I think you don't need to ask which branch. Most important is whether you got the cash to match unker goat's deposit or not.  tongue.gif
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How much have to deposit to get the gift?
tonytyk
post Oct 9 2015, 10:39 AM

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QUOTE(HJebat @ Oct 9 2015, 08:58 AM)
Tenkiu, tenkiu  biggrin.gif

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% rclxms.gif  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 thumbup.gif
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What is the limit to deposit to EPF? Do you need to keep for certain period to get the dividend?
tonytyk
post Oct 12 2015, 11:41 AM

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QUOTE(wil-i-am @ Oct 9 2015, 12:13 PM)
Dividend is accrued on monthly basis whereas crediting on yearly basis
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Yearly basis from Jan to Dec or from previous top up/crediting?

This post has been edited by tonytyk: Oct 12 2015, 11:41 AM
tonytyk
post Oct 20 2015, 02:40 PM

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QUOTE(earlofclarendon @ Oct 20 2015, 12:46 PM)
Today dropped by Ambank Raja Chulan promo 2 year FD 4.6%
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Hi
Available for all Ambank branch or just raja chulan?
tonytyk
post Oct 24 2015, 12:36 PM

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QUOTE(Bonescythe @ Oct 24 2015, 12:30 PM)
Since my rm told me lor in july

New to bank customer. 250k

Existing customer 300k. Then u will get a golden abascus.. something like that...
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Golden abacus for existing customer only?
tonytyk
post Oct 25 2015, 09:12 AM

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QUOTE(yygo @ Oct 25 2015, 08:49 AM)
those that want to join hl pb, give @Bonescythe a chance. maybe he will share parkson voucher with you. brows.gif  laugh.gif
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How much is the referral voucher
tonytyk
post Oct 25 2015, 12:24 PM

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QUOTE(Bonescythe @ Oct 25 2015, 11:47 AM)
Tat is very sorry for your experience.

As for me.. i didn't get bugged for UT and Inso.
I dun get any special Credit card, eventhough i dun mind having one. I ask them for 1, they also dun want to giv me infinite.. lolz.. but not a big issue.
I dont need to wait long queue... it is instant for me..
Always got parking space, covered from sun and free 1hr in the golden triangle area.

So far so good..

In preferential fd rate.. yes.. u get extra 0.05% with conditions of bulk amount like 100k.. sad.gif
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U r with Hlb or alliance?
tonytyk
post Oct 28 2015, 05:22 AM

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QUOTE(yygo @ Oct 27 2015, 10:23 PM)
pidm website still saying 250k per acct.
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250k/account or 250k/ bank? What if a person has 2 FD accounts of 250k placed at 2 different branch of the same bank, are both accounts protected?
tonytyk
post Oct 31 2015, 10:24 AM

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QUOTE(cybpsych @ Oct 31 2015, 09:18 AM)
I AmBanking on Great Rates - Great rates for higher returns
Ambank | T&Cs (EN) - 24mth | T&Cs (BM) - 24mth | T&Cs (EN) - 6mth | T&Cs (BM) - 6mth

user posted image
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4.25% for 6 months just launched? Or late in releasing by the bank, just like HLB late release of 15 months step up
tonytyk
post Oct 31 2015, 03:27 PM

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QUOTE(bbgoat @ Oct 31 2015, 11:49 AM)
Their 6 mths with 20" bag looks attractive as compared to the 4.2% offered by UOB and OCBC. But UOB not sure 4.2% still avail. by Monday.  biggrin.gif
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Uob offer bag too?
tonytyk
post Oct 31 2015, 08:07 PM

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QUOTE(wil-i-am @ Oct 31 2015, 06:58 PM)
CIMB, Maybank n Rhb @ KLCC open on Sun
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Not sure all banking transactions eg FD available on weekend, can anyone confirm?
tonytyk
post Nov 2 2015, 09:33 AM

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QUOTE(poor man @ Nov 2 2015, 07:51 AM)
affin bank Take Home a Prosperous New Year Gift Campaign 2016
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Not Fd related?
tonytyk
post Nov 2 2015, 10:20 PM

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QUOTE(bbgoat @ Nov 2 2015, 08:21 PM)
Officially CIMB 12 mth is 4.2%. Getting to 4.3% probably need to ask. To 4.35% need approval from HQ. Did not ask or get flyer. Tomorrow will likely place another one (4.35%) there, already talk to the RM this evening. The 4.35% need some higher amount of principal. Will see if there is official flyer but likely to show 4.2% 12 mths.  biggrin.gif
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what is the minimum amount to get 4.35%?
tonytyk
post Nov 5 2015, 12:48 PM

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QUOTE(familyfirst @ Nov 5 2015, 10:28 AM)
Super deal from OCBC.    Pure FD.  No string attached and no investment linked.

6m @ 4.3%
12m @ 4.5% !!!!

Valid for fresh funds min 10k.    Valid till 31 Dec or when quota reached.

Please guys, keep some quota for me cos I will only have fresh funds early Dec.  Hope got chance then. 
But good news have to share here.  Now go run there everyone.

Got this info thru the RM via whatsapp.
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This time no gift? OCBC previously give good rates and also good gift, Hugo boss pen, trolley bag, air purifier
tonytyk
post Nov 5 2015, 01:09 PM

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QUOTE(Avangelice @ Nov 5 2015, 10:14 AM)
This was sent to me by a friend.

[attachmentid=5243044]

What do you guys think?
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Any penalty for withdrawal less than 15months for the step up FD?
tonytyk
post Nov 7 2015, 06:19 AM

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QUOTE(michaelho @ Nov 6 2015, 09:25 PM)
done FD MBB 4.5% 12 months. Got this as gift. Quite useless though, they give, just take la  tongue.gif [attachmentid=5247744]
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MBB has FD 4.5%? Or is it GIA?
tonytyk
post Nov 16 2015, 09:21 PM

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QUOTE(sandkoh @ Nov 16 2015, 08:47 PM)
have heard some fren said ocbc asking them to confirm sharp car air purifier. isn't supposed to be room air purifier? anyone receive the sms? this is the fd promotion few months back.
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Change of gift?
tonytyk
post Nov 24 2015, 01:46 PM

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QUOTE(Ramjade @ Nov 23 2015, 10:53 AM)
First not hnws.  Second, yup no more playing musical chair. Just waiting for my FD to mature and then transfer.
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Do you always manage to get ASM/ASW/AS1M instead of FD? How did you manage to do that ?

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