Which FD is giving 5%? If it is non-FD type, then may proceed to discuss at other relevant thread.

This post has been edited by Human Nature: Jan 9 2016, 12:56 PM

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 ?

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

Went to Public Bank for ATM withdrawal today
Just realized Public Bank have extended promo for FD 12 mths @ 4.30% until 31/1/2016

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 ?

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

They claim that the bag worth rm445, but my bro offers me rm100 for it

another 2 days of promo rate interest, isnt that wonderful?

Guys. Still remember the gia by mbb? Hows the dividend for the first month? I forgot to follow up. I try to calculate but cant get the 4% pa.

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) previous month 1 was 4.0003% and month 2 was 4.0004%.

been trying to tag you since first month liao.

Even tho I myself also forgot. Too busy lately only remeber back after checking m2u.
I grossly calculated just now. Also slight more. Very slight la. Haha. Since quite stable, now feeling reliefs abit. Haha.

how much does the extra 0.0003% worth in Ringgit?

kuaci value i put min fund only.

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 !

Ya ya. Still really admire your single FD in MACH. But my FD now in HL/MACH also need to be controlled.

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

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 !

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

hahah it's negligible for me anyway the calculation is just for fun

Ya, just sub sub sui only. More for fun, you are right !!

Lets see in Feb how much we are given.

This post has been edited by bbgoat: Jan 9 2016, 04:58 PM

quick question about GIA - it says :

THE RETURNS ON THIS INVESTMENT ACCOUNT WILL BE AFFECTED BY THE PERFORMANCE
OF THE UNDERLYING ASSETS. THE PRINCIPAL AND RETURNS ARE NOT GUARANTEED AND
CUSTOMER RISKS EARNING NO RETURNS AT ALL

Does this mean the worst case scenario that can happen is that I dont make money OR is there a possibility that I will lose money (i.e: say I put in 10k but I only get back 9k) - can this happen? or will the worst be put in 10k, just get back 10k (mean earn nothing)?

Worse case scenario is you put rm10k, you get back rm0. But it wouldn't happen or else maybank is going to have lots of angry customers. It could happen as neither principal nor returns are guaranteed but very very unlikely.

Worse come to worse is you might not get the stated returns (get lesser)

This post has been edited by Ramjade: Jan 9 2016, 08:56 PM

ic ic..noted on that. thx

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% ).

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%.