Wow.. so familiar ? You took the saving plan ?
Haha.
Izit 1 to 1 ratio ?

If with free trolley bag, then not bad also after all.

Btw, happy cny to you n the rest. Hope all huat.

... Gong Xi Fat Chai and a happy festive holiday to all here ... ...

[quote=kyenli,Feb 6 2016, 06:20 PM]
Do you know if there's any catch? 4.8% for 15 mths from rhb[QUOTE]

[/quote]

in fact, plenty of catch here.

Bank negara if truly doing it's work should regulate all misleading advertising from banks like these. All ads should shows only effective p.a. rates.

This post has been edited by lowya: Feb 8 2016, 01:11 PM

unfortunately i remember my branch nego rate can increase very little only 0.05% or so.
but the last time i nego was long ago.


yeah right, but it is too small to stop customer moving out.....
a better way is like your branch, offer extra 0.3% for 1 yr FD or something.
how much required to nego extra 0.3% for 1 yr?

i dont have 1 million/pc. manager must be sleeping la.
let me move out one by one without counter offer.

if really can get 4.9% or more,sacrifice abit also nvm.
I thought FD rate is going down,
why still got 4.9 - 5.2% rates??

Ya, I have moved out >50% of my eggs in BR over the last 1.5 years or so as their rate was not attractive since then.

Last time for fresh fund I was able to get 0.2% or 0.25% max nego rate. This time it is matured FD and they gave me 4.5%. Though I asked for higher rate but they came out with 4.5% 12 mths is because of their current promo, 2 yrs 4.55%, I think. They wanted me to keep the matured eggs there.

PM u on the amt involved.

This post has been edited by bbgoat: Feb 8 2016, 07:53 PM

anyone get renew fd ambank promo can get gift?

T&C

http://www.ambank.com.my/ambank/SiteAssets...paignTnCEng.pdf


Attached thumbnail(s)

Yes subject to placement with different branch of same Bank n slightly different sum

I have no idea what kind of form, will find out tomorrow

No lah, I did not take this saving plan.
Better stick with FD lah in my personal opinion..

Happy Chinese New Year to Ah Bone Gor and everybody too..

I do not know what to say..

BR 's Victoria seafood hamper:


Here are all items inside BR hamper:


This diary was not included in the hamper package.
I asked for it when I collected the hamper.
I think this diary worth in between RM 7.00 to RM 8.00


This post has been edited by BoomChaCha: Feb 9 2016, 02:52 PM

Hi sifus,

My parents just sold off some land in sabah and received a big sale proceeds.

After discussion with several experts, the best investment seems to be fixed deposit for the following reasons.
1. buying a big house for capital appreciation takes alot of time and will also use up half the proceeds. But will enjoy relatives admiration during festive house visitation.
2.buying several condos to collect rent seems to be challenging as demand is low compared to supply and profit is similar to FD rates. However capital appreciation is quite alot if able to cash out.
3.FD will provide stable and re-curring income.

So fixed deposit will suit them as it provides them stable income to pay rental for the place they stay and also money for their living expenses.

So in this case , would like to ask sifus here how to help my parents play the fd musical chair game.

Plan A : put into BR 4.55% 2 year FD ( monthly payment is good however interest rate is likely to go up , so may lose out on interest if FD promotion hits 5% by year end)

Plan B : Afin bank and BSN 4.5% one year FD ( no monthly payment, so need to set aside living expenses for one year. But if fd rates increast year end will benefit)

Plan C : play short term FD musical chair like hlb 6 months 4.5% , alliance ban 3 months 4.35% ( so can benefit from fd rates increase, however if no promotion then will lugi)

Plan D : mixture of plan A,B,C

Any comments will be deeply appreciated as I am very new to the FD markets.

wrong post

This post has been edited by DiamondBar: Feb 9 2016, 07:30 PM

you had already discussed with 'SEVERAL Experts' , yet you still want to seek comments here (from unknown forummers) ??
ask them to more ideas on how to go about it may be a better option.

This post has been edited by MUM: Feb 9 2016, 07:52 PM

for the RHB 15 months - 4.4% p.a,
is there any T&C from their website? I can't seems to find any.
I want to know more detail on their definition of fresh fund.
i.e IBG from other bank to RHB CASA within 7 days consider fresh fund? or it strictly require a cheque?

You can do transfer (IBG/instant). the bank staff at my branch said 2-3 days they are okay to take it as fresh fund.

Aside from min 10k and fresh fund, that's about the important T&C

and no, RHB don't display promo FD on their website, unlike MBB, HLB.

You have already laid out the pros and cons... for ANYONE to suggest any option, would be if they can predict the future (ie interest to go up or not), which i think no one on this thread dares to predict.

but 5% p.a. for FD? i seriously doubt it... then again... i could be wrong.


This post has been edited by adele123: Feb 9 2016, 11:49 PM

Bro, if i open hl islamic fd at town a after maturity can i withdrawal at town b?

Nope. You need to go back to town a and the same branch.

Thanks a lot. I will try to ibg one day before i going to the branch.
Any RHB branch will have the promo, right?

Use instant transfer lo... Just pay another 42 cents...

Yes. Any rhb branch.

sorry, I'm lost here. Which bank gives free trolley bags?


Looks great. How much is the value of the hamper if you roughly estimate?

Oh yes. Forget about instant is now 53 sens only

Hi, I realize that I just place a wrong FD at Public Bank, I am suppose to place in eFD but placed in Plus FD instead, which means I still need to go to the bank to get the cert. and sign

and the money already credited, so how can I cancel it and redo?

If I dont go back to get the cert, and sign, will it automatically canceled?