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

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hamtarox
post Feb 2 2016, 01:57 PM

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General Investment Account-i (GIA-i) seems like giving more than 4%P.a. Last month i put 7100 test water.
if base on my calculaton interest suppose to be RM23.666,but today i check it give me RM24.05
distributor
post Feb 2 2016, 02:01 PM

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QUOTE(poor man @ Feb 2 2016, 07:22 AM)
use ie can login affin online banking ..
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Thanks. but Chrome give me weird error code.
cj7lee
post Feb 2 2016, 02:05 PM

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QUOTE(hamtarox @ Feb 2 2016, 01:57 PM)
General Investment Account-i (GIA-i) seems like giving more than 4%P.a. Last month i put 7100 test water.
if base on my calculaton  interest suppose to be RM23.666,but today i check it give me RM24.05
*
The interest is counted by no of days in that month, for January the interest is

0.04/366*31*RM 7100 = RM 24.0546

dannyw
post Feb 2 2016, 02:12 PM

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QUOTE(cj7lee @ Feb 2 2016, 02:05 PM)
The interest is counted by no of days in that month, for January the interest is

0.04/366*31*RM 7100 = RM 24.0546
*
Is this the one can be done in one of the e-FD section for M2U?
stanny
post Feb 2 2016, 02:16 PM

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Yeah what is the general investment account for Maybank? It gives 4%? Can use via M2U?
babysiew
post Feb 2 2016, 02:28 PM

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good offers ended 31/1/2016 or 31/12/2015. Sad
sagethesausage
post Feb 2 2016, 03:37 PM

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Just to be sure, If I want put rm5k into fd, the best option currently is bsn 4.5%?
hamtarox
post Feb 2 2016, 03:45 PM

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QUOTE(stanny @ Feb 2 2016, 02:16 PM)
Yeah what is the general investment account for Maybank? It gives 4%? Can use via M2U?
*
http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts

is a term deposit,but the interest/capital is not guaranteed and not covered by PIDM.but so far i see their past record quite consistent wo...yes can place via M2u
LNYC
post Feb 2 2016, 03:52 PM

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QUOTE(sagethesausage @ Feb 2 2016, 03:37 PM)
Just to be sure, If I want put rm5k into fd, the best option currently is bsn 4.5%?
*
i called to hong leong last friday. the 6months 4.5% fd promo extended till 5th feb. min fresh fund 10k
babysiew
post Feb 2 2016, 04:00 PM

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QUOTE(LNYC @ Feb 2 2016, 03:52 PM)
i called to hong leong last friday. the 6months 4.5% fd promo extended till 5th feb. min fresh fund 10k
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wow this is better than ocbc 4.3% for 15 mths right?
LNYC
post Feb 2 2016, 04:07 PM

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QUOTE(babysiew @ Feb 2 2016, 04:00 PM)
wow this is better than ocbc 4.3% for 15 mths right?
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it really depends on your needs..e.g

how long do u wanna put?
the accessibility of the bank to you..far, near, ez to find parking.
when do u need the money?

if you choose 6months 4.5%, of course is better, cause means after 6months u can move the money

or it can be sui...cause the fd rate that time is not that good cry.gif cry.gif

so, bsn can be another option then for a longer tenure.
babysiew
post Feb 2 2016, 04:14 PM

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like that ocbc better haha... i very lazy to make a new fd for a short period

my pbb just died and the rate is not nice now
ZeaXG
post Feb 2 2016, 04:43 PM

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Just placed the Maybank 4+4 CNY promo FD 4.38%. But they told me conventional is full already. So I applied under Islamic since they told there is no difference in rates. Anyone can tell me if there is any difference between islamic FD and conventional in this case?
lamode
post Feb 2 2016, 04:56 PM

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QUOTE(ZeaXG @ Feb 2 2016, 04:43 PM)
Just placed the Maybank 4+4 CNY promo FD 4.38%. But they told me conventional is full already. So I applied under Islamic since they told there is no difference in rates. Anyone can tell me if there is any difference between islamic FD and conventional in this case?
*
i was told the exactly same from Jalan P. Ramlee branch just now. did you went there also?

i guess just they don't use the funds for investment in gambling / alcohol / non halal industry.

side note: the FD cert just stated 3.28% for 2 mths and 3.38% for another 2 mths, the due date is 4 mths away.
the teller told me after 4 mths, can bring back the cert to print 3.98% & 6.88%.

This post has been edited by lamode: Feb 2 2016, 04:58 PM
SUSintrepidity85
post Feb 2 2016, 05:07 PM

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QUOTE(sagethesausage @ Feb 2 2016, 03:37 PM)
Just to be sure, If I want put rm5k into fd, the best option currently is bsn 4.5%?
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if you want to lock in for 12 months and don't mind que for long time, then yes
SUSintrepidity85
post Feb 2 2016, 05:08 PM

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QUOTE(cherroy @ Feb 2 2016, 01:52 PM)
Latest FD offer I just knew, cannot confirmed 100%, as just telephone call, may mistaken remember in my memory.

PBB new promo 3+3+3 months step up.
3.98%
4.18%
4.38%

UOB
4% - 4 months
4.15% - 7 months
4.25% - 12 months.

Look like offer are not as good as previous across.
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4 months 4% not bad.. lock in for short period of time
SUSintrepidity85
post Feb 2 2016, 05:09 PM

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QUOTE(LNYC @ Feb 2 2016, 03:52 PM)
i called to hong leong last friday. the 6months 4.5% fd promo extended till 5th feb. min fresh fund 10k
*
How come forumers here stated offers end on 31/01/16
wjchay
post Feb 2 2016, 05:10 PM

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QUOTE(LNYC @ Feb 2 2016, 04:52 PM)
i called to hong leong last friday. the 6months 4.5% fd promo extended till 5th feb. min fresh fund 10k
*
I have checked HL connect, there's no 4.5% FD.
??!!
post Feb 2 2016, 05:32 PM

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QUOTE(distributor @ Feb 2 2016, 02:01 PM)
Thanks. but  Chrome give me weird error code.
*
The affin online won't work with Firefox either. Only want go with IE

QUOTE(LNYC @ Feb 2 2016, 03:52 PM)
i called to hong leong last friday. the 6months 4.5% fd promo extended till 5th feb. min fresh fund 10k
*
I kaypoh go ask at HLB branch. Yes they told me same thing. And the branch open till 6 pm for this week...so those who want to place there still ada chance

Alliance bank's promi still quite decent

6 months 4.25%
9 months 4.35%


ZeaXG
post Feb 2 2016, 05:48 PM

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QUOTE(lamode @ Feb 2 2016, 04:56 PM)
i was told the exactly same from Jalan P. Ramlee branch just now. did you went there also?

i guess just they don't use the funds for investment in gambling / alcohol / non halal industry.

side note: the FD cert just stated 3.28% for 2 mths and 3.38% for another 2 mths, the due date is 4 mths away.
the teller told me after 4 mths, can bring back the cert to print 3.98% & 6.88%.
*
I went to Wisma Genting branch. BTW, my cert rates also same as yours.

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