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 Fixed Deposit Rates In Malaysia V. No.11, Strictly for FD Discussion Only

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bbgoat
post Jan 7 2016, 07:34 PM

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QUOTE(Pinnacle1295 @ Jan 7 2016, 07:33 PM)
Went to Maybank this afternoon. Their promotional FD rates as follows ....

9-months @ 4.22% p.a
3-months @ 4.03% p.a

Both capital guaranteed & covered by PIDM

12-months @ 4.5% (step-up from 4%~6%) but capital NOT guaranteed & NOT covered by PIDM.
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The 12 mth 4.5% eff rate is NOT an FD. It is GIA-i acct. biggrin.gif
bbgoat
post Jan 7 2016, 07:55 PM

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QUOTE(Pinnacle1295 @ Jan 7 2016, 07:38 PM)
May I know what is GIA? Thanks.
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General Investment Account-i. biggrin.gif

QUOTE(yygo @ Jan 7 2016, 07:44 PM)
can be by weeks or even days.
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I have put in HL REPO before, similar to MBB's Q-cash. Can specify by day, week or month, the rate will be different.

QUOTE(yygo @ Jan 7 2016, 07:50 PM)
anyway the interest is not 3.7% la. also no interest for sat/sun.
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I got about 2.6% for the HL REPO 2years ago. They pay even on Sat and Sunday. Flexibility to withdraw but have to give one day notice minimum. Sure now there is AmBank True Savers giving 2.8%.

This post has been edited by bbgoat: Jan 7 2016, 07:56 PM
bbgoat
post Jan 7 2016, 08:35 PM

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QUOTE(cklimm @ Jan 7 2016, 08:06 PM)
Chinese New Year time. tidur kao kao lar yawn.gif
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Don't keep all the eggs (1 million eggs) under the pillow. It may crack ! tongue.gif

QUOTE(tbheng @ Jan 7 2016, 08:23 PM)
Actually I was aiming for 4.5% for 2 year... I feel 1 year too fast... a bit tired of running around.
I like HLB 4.5% for 6mth too... I have used their eFD...very convenient and monthly interest too, but 6mth a bit short for me.

Tested BR for the past 4 years and love their monthly interest crediting into SA, very efficient and like clock work. With monthly interest, the effective rate should be higher than 4.45%.
BR only allow nego on board rate, which I din bother to nego with them. As for promo rate, cannot nego.

Avoided MBB 4.5% cause scared of the part "capital not guaranteed"... sweat.gif

I have AmBank FD for their last promo at 4.5% still not matured. Not bad . Was waiting for them to release their CNY FD promo, until today still no news. Can't afford to keep waiting and wasted interest.
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I used to be big fans of BR. But their rates are not keeping up with times. Still have quite some eggs there but no new FD's for quite a while. biggrin.gif

This post has been edited by bbgoat: Jan 7 2016, 08:37 PM
bbgoat
post Jan 7 2016, 10:26 PM

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QUOTE(michaelho @ Jan 7 2016, 09:49 PM)
MBB Gi-A , yeah i got RMX34.69 instead of RMX35.07 (my calculation)
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Lets wait for more people to report what they are getting for Dec month. biggrin.gif
bbgoat
post Jan 8 2016, 08:09 AM

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QUOTE(michaelho @ Jan 7 2016, 09:49 PM)
MBB Gi-A , yeah i got RMX34.69 instead of RMX35.07 (my calculation)
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Is this your first interest payment ? hmm.gif

Mine is the third so I can compare between the 30 days and 31 days interest. biggrin.gif
bbgoat
post Jan 8 2016, 05:08 PM

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QUOTE(munkeyflo @ Jan 8 2016, 02:10 PM)
bbgoat
I called HLB CS today regarding reactivating my Money Box account. They say they have little information about the Money Box account and the best advice is that I go to the nearest branch to reactivate it. doh.gif vmad.gif

Anyway, I'm going to the mall this weekend so will just do it at Mach branch la. Sigh.
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sweat.gif I guess I was lucky then. My acct re-activated with a call from their CS. Happily placed online one MACH FD few days ago. Have to be careful later after 6 mths or rather <1 years time as there would be monthly interest crediting (counted as activity ??).
bbgoat
post Jan 8 2016, 05:17 PM

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Went to UOB PB centre (no leng lui RM there brows.gif ). Need new funds to get the current promo 4.4%. Cannot even top up 10k, 10% or 20% also. The RM said it depends on the HQ instruction. Current promo does not allow that.

Unlike our Captain. Salute to him ! notworthy.gif

Anyway the current 4.4% promo will end 31/1. On Monday the PB centre told me will end by 15/1. Looks like the ending date is dynamic and may change depending on the situation.

So, anyway moved to HL to get the 6 mth 4.5%. biggrin.gif But too much eggs in HL except this is 6 mths so still OK in a way. tongue.gif

This post has been edited by bbgoat: Jan 8 2016, 05:20 PM
bbgoat
post Jan 8 2016, 05:36 PM

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QUOTE(munkeyflo @ Jan 8 2016, 05:25 PM)
Yea I guess so. I did tell the guy that "my friend did activate it online few months back" but he just kept apologizing and say he doesn't know how. sad.gif
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Not just online though they have a link to re-activate. My fund after IBFT disappeared few hrs later. A CS called me the next day. No one called you ? hmm.gif
bbgoat
post Jan 8 2016, 07:25 PM

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QUOTE(bbgoat @ Jan 8 2016, 05:17 PM)
Went to UOB PB centre (no leng lui RM there  brows.gif ). Need new funds to get the current promo 4.4%. Cannot even top up 10k, 10% or 20% also. The RM said it depends on the HQ instruction. Current promo does not allow that.

Unlike our Captain. Salute to him !  notworthy.gif

Anyway the current 4.4% promo will end 31/1. On Monday the PB centre told me will end by 15/1. Looks like the ending date is dynamic and may change depending on the situation.

So, anyway moved to HL to get the 6 mth 4.5%.  biggrin.gif But too much eggs in HL except this is 6 mths so still OK in a way.  tongue.gif
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Oh, forget to add. The Cashier's Order paid RM0.68. This is the fee paid by those of us in Penang (@gsc also). biggrin.gif

QUOTE(tbheng @ Jan 8 2016, 07:07 PM)
Went to UOB to uplift FD yesterday. Asked can put back for the 4.4%. The sales counter (sitting down one) said cannot. I went to cashier counter also say cannot. I shown captain's post, also cannot.... After nego for awhile he said unless cash out in cash and go next counter.
I said OK. He passed me in cash...I took another number and he waited for another counter to take my number. I took out rm50 and put the rest into new FD 4.4%. smile.gif
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I actually wanted to get 4.5% like what Captain said. Even if they offer the 4.4% to me, I will not take it. biggrin.gif

This post has been edited by bbgoat: Jan 8 2016, 09:44 PM
bbgoat
post Jan 9 2016, 01:21 PM

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Yesterday when I placed FD at HL, the cert stated maturity date as 8th July. Today when I logged into HL Connect, it showed the maturity date as 11th of July. Need to call them on Monday to clarify.

There was 2 holidays 6th and 7th (Raya holidays) and 9 th Sat Pg Governor's holiday. So HL also like some banks moving maturity date to working day ? hmm.gif

This post has been edited by bbgoat: Jan 9 2016, 01:29 PM
bbgoat
post Jan 9 2016, 01:52 PM

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I called to AmBank ABM yesterday before going for HL 6 mth 4.5%. It seems they may not have the CNY promo for AmBank. She said still the relatively low 12mth 4.18%, 6 mth 4.08% which I mentioned before.

Still not heated up yet for CNY Ang Pow FD promo ? hmm.gif

This post has been edited by bbgoat: Jan 9 2016, 01:53 PM
bbgoat
post Jan 9 2016, 04:30 PM

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QUOTE(cklimm @ Jan 9 2016, 02:52 PM)
They claim that the bag worth rm445, but my bro offers me rm100 for it
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I think I have too many bags already. Don't quite like it as it is just 20". I think it is slightly big and may not be allowed in cabin especially that airline recently reduced in cabin bag size.

Also unless it is of comparable FD interest rate like that time when it was offered. Current OCBC offer is NG ! biggrin.gif

QUOTE(cklimm @ Jan 9 2016, 02:53 PM)
another 2 days of promo rate interest, isnt that wonderful?
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Ya ya. Still really admire your single FD in MACH. But my FD now in HL/MACH also need to be controlled. tongue.gif

This post has been edited by bbgoat: Jan 9 2016, 04:31 PM
bbgoat
post Jan 9 2016, 04:37 PM

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QUOTE(cybpsych @ Jan 9 2016, 04:02 PM)
got my 3rd month profit liao.

i gotten slightly higher than my calculation. month 3 EIR was calculated to be 3.9891% but actual was 3.9973% (based on 31 days over 365)  laugh.gif previous month 1 was 4.0003% and month 2 was 4.0004%.

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As mentioned I calculated to be 3.998% based on 31 days over 365 days (simple calculation without taking into acct of 366 days this year).

But the other 2 months are pure 4%. But I did not really look to the 4th decimal point ! tongue.gif

This post has been edited by bbgoat: Jan 9 2016, 04:37 PM
bbgoat
post Jan 9 2016, 04:57 PM

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QUOTE(cybpsych @ Jan 9 2016, 04:48 PM)
hahah it's negligible for me anyway  thumbup.gif the calculation is just for fun  tongue.gif
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Ya, just sub sub sui only. biggrin.gif More for fun, you are right !! thumbup.gif

Lets see in Feb how much we are given. biggrin.gif

This post has been edited by bbgoat: Jan 9 2016, 04:58 PM
bbgoat
post Jan 10 2016, 09:50 AM

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QUOTE(TANjb @ Jan 10 2016, 09:19 AM)
sad.gif Yes, no new promotion at AmBank. Looks like I have to collect my matured FD from AMBank on Monday and move it to UOB ( 12 mths - 4.4% ).
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At the moment, it seems to me the best ones are HL/MACH 6 mths 4.5%, UOB 12 mth 4.4% and RHB's 15 mth eff rate 4.4%. My next target will be UOB's 4.4%. biggrin.gif
bbgoat
post Jan 10 2016, 11:30 AM

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QUOTE(maxguy @ Jan 10 2016, 11:21 AM)
HLB placement date 7 Jan, maturity date 8 Jul
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6/7 & 7/7 are Raya holidays. For me placed on 8/7, maturity 11th. Probably Pg Sat public holiday bring fwd to Fri, so changed to Monday 11th. You are not in Pg state ?

This post has been edited by bbgoat: Jan 10 2016, 11:31 AM
bbgoat
post Jan 10 2016, 12:46 PM

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QUOTE(safilo @ Jan 10 2016, 12:13 PM)
8th July (Friday) is supposedly not a holiday. However, in Penang, 7th July is state holiday for GeorgeTown World Heritage City Day. Since Hari Raya is only on 7th July, look like Penang bump one more day. This probably explained the FD are maturity on the next available business day which is Monday 11th.
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Oh, I miss out on the GeorgeTown World Heritage City Day. Did not see it when I searched in the online calendar.

So HL is like some of the banks like UOB, CB, BR that moved the FD maturity day to working day. But the FD cert that I received still showed 8th. Saw that it was changed to 11th online the next day. biggrin.gif

This post has been edited by bbgoat: Jan 10 2016, 12:48 PM
bbgoat
post Jan 10 2016, 01:47 PM

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QUOTE(wil-i-am @ Jan 10 2016, 01:26 PM)
As per page 1, UOB promo until 15/1
Just spoke to CS n was informed their promo is until 31/1
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You missed my earlier post on Friday ? I mentioned that UOB PB centre told me it is now until end of Jan. biggrin.gif
bbgoat
post Jan 10 2016, 08:03 PM

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QUOTE(Pinnacle1295 @ Jan 10 2016, 06:32 PM)
May I know what do you mean by "Current OCBC offer is NG !". What is NG? No Good?
Thanks.
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Yup. nod.gif Compared with HL 4.5%, UOB and RHB's 4.4%. biggrin.gif

This post has been edited by bbgoat: Jan 10 2016, 08:06 PM
bbgoat
post Jan 11 2016, 05:50 PM

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QUOTE(safilo @ Jan 11 2016, 05:41 PM)
From bbgoat earlier post ...At the moment, it seems to me the best ones are HL/MACH 6 mths 4.5%, UOB 12 mth 4.4% and RHB's 15 mth eff rate 4.4%.
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Other than what I said, other factor include convenience, time/effort, FD amt etc. If FD amt is say 10k and UOB is say some distance away, one may want to put in nearby OCBC 4.3%. Just as an example. biggrin.gif

QUOTE(sandkoh @ Jan 11 2016, 05:44 PM)
uob can uplift fd in any branch. can withdraw online olso
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Yes, UOB can redeem FD in any branch. Online withdrawal can be done by cancelling the FD if it is on auto renewal. biggrin.gif

This post has been edited by bbgoat: Jan 11 2016, 05:57 PM
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