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Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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xiaohui_214
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Oct 27 2015, 05:27 PM
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Getting Started

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i am new for FD, what mean by fresh fund and priority banking? if i have 20K in my saving account, what is the highly recommend FD plan recommend with the protection from PIDM?
Kindly advise.Thanks.
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xiaohui_214
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Oct 28 2015, 11:24 AM
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Getting Started

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QUOTE(cybpsych @ Oct 28 2015, 10:51 AM) which specific promo? MBB's 3mth is here and 12mth is hereHSBC's is tricky, it's nested inside HSBC AdvanceI saw HSBC have quite high rate compare to other..is it advisable to put FD there if i have fresh fun 20k in your opinion?
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xiaohui_214
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Oct 28 2015, 11:27 AM
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Getting Started

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QUOTE(Ramjade @ Oct 27 2015, 05:36 PM) Fresh fund = not money from the bank you want to put FD. Say they want rm10k and you have rm10k in a matured FD. You cannot use this rm10k to put at new promo rates. They want new rm10k. Two ways, give them a new rm10k.  or you can do the lowyat forum way. Cash out that matured FD say from bank A to bank B. Goto bank B, get a banker's cheque bring it back to bank A = same money but now counted as fresh.  Priority banking means vip customer. You have a substantial amount with them. Hence you received "special treatment". Don't hope to get it with rm20k. Thanks for your sharing! If have fresh fun for 20k, which bank package will you highly recommend? I saw HSBC has quite attractive new promotion, what is your opinion for that?
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xiaohui_214
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Oct 28 2015, 02:43 PM
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Getting Started

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QUOTE(yygo @ Oct 28 2015, 02:05 PM) the samsung offer is separate. good deal for the short term fd rate  so it is a good deal for short term FD compare to other? any special term and condition for apply this?
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xiaohui_214
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Oct 29 2015, 10:45 AM
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Getting Started

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QUOTE(Ramjade @ Oct 28 2015, 03:01 PM) If you are going for Samsung phone not worth. din look for samsung phone but looking for best rate for fresh fun 20k for short term. any recommendation?
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xiaohui_214
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Oct 29 2015, 10:47 AM
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Getting Started

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QUOTE(hwachong @ Oct 28 2015, 09:08 PM) I placed ambank 4.6% fd with quarterly interest got mentioned minimum amount for this? saw the rate is quite high..
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xiaohui_214
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Oct 29 2015, 10:52 AM
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Getting Started

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QUOTE(ts1 @ Oct 29 2015, 10:48 AM) 6mths 4.15% and 12mths 4.25% i just placed a bit on 6mths  minimum amount is how much?
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xiaohui_214
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Oct 29 2015, 10:55 AM
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Getting Started

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QUOTE(ts1 @ Oct 29 2015, 10:53 AM) if want find put for 6 months u will choose this? i quite hesitate as market got too much choices make me confuse..
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xiaohui_214
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Oct 29 2015, 10:56 AM
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Getting Started

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QUOTE(Ramjade @ Oct 29 2015, 10:54 AM) RM10k only. How long you want to lock your money? Decide then refer to front page for more info. I think best rate is cimb efd 3 months at 4% if for 6 months? i saw got people post is 4.6% at ambank?
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xiaohui_214
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Oct 29 2015, 11:02 AM
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Getting Started

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QUOTE(ts1 @ Oct 29 2015, 10:56 AM) u can choose 3mths which are 4%+ if 10k placement mk no much diff also la..all fractional only...most important.convenient for u to do yaya, maybe not make much different for the 20k just confuse coz newbie here ^^
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xiaohui_214
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Oct 29 2015, 11:05 AM
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Getting Started

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QUOTE(ts1 @ Oct 29 2015, 11:04 AM) if got cimb click.just try their eFD...sit at hm or office..tsf la but the money is fresh fun, i guess need to go counter to do it first right?
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xiaohui_214
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Oct 29 2015, 04:15 PM
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Getting Started

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QUOTE(ts1 @ Oct 29 2015, 11:42 AM) this one no need fresh fund but the money now in other account so already is fresh fun right?
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xiaohui_214
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Oct 29 2015, 04:17 PM
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Getting Started

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QUOTE(ts1 @ Oct 29 2015, 11:42 AM) this one no need fresh fund but the money now in other account so already is fresh fun right?
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