i prefer kepong one

Dear all,

My mistake. I understand it wrongly. It has to go with their endowment plan (placement of 14K per year for 5 years, maturity of a total 12 years). Fort his, you will enjoy the 6 months FD @ 5.1%.

Again, thousand apologies for confusing you.

Great offer from Hong Leong Bank 6mths 4.50%


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Then hlb offer better.
Fd bundle with saving plan, fd giv 6.8%

My one is SCB just one acc. I just ask them to bankin all my principle+interest to my current account. Then i write a personal cheque to placement another FD at others bank.

having personal cheque will solve the issue too.

This is bond not FD.

And this may not bond issued by SCB.

You need to know the bond issuing party, because the risk of bond defaulting or not is on the issuing party, not selling agent (like bank).

You need to know the, exact yield to maturity.

You need to search the details properly, above info is too little and too amateur/not professional enough.

Did u sign up?

just took the offer. very conventional fd, paper based, cannot set maturity instruction. will look for unconventional fd next time.

Return 5.5% is the minimum or the most can get.
Every thing is guaratee sounds good. But the sifu is correct. Need to know the issuing party and past performance trend. invested on Public bank Templeton fund, only guarantee the principal.

Normal FD need to offer about 5.4% with compounded interest then only can slight match this bond paper. Fill up EPF quota first before considering this option.

This post has been edited by gsc: Dec 17 2015, 03:03 PM

EPF quota overflow many times over. Am looking for alternative investment other than FD and UT. This one ok to go in?

4.5% for such tenure, apa lagi mau?

tai ko bones, u are saying 6% why change to 5%?

if cannot reach 6%, i will strip u bones clean!

if u can consistently get 10% return in few days, u wud have been billionaires soon enugh.

why come here?

This post has been edited by sandkoh: Dec 17 2015, 06:11 PM

u break unkle big bones' heart!

unkle goat olso mentioned this solution for just one acct yesterday.

I dun want talk 6% forst. Before 6% come, need 5% to come first.

So now is 4.5% is general market offer.. another 0.5% to go, then i will laff a little bit first.. but if 6% come next year end, then i will laff in front with loudspeker..

You have Citibank account also ?

It is under Services, My Profile, Citialerts, Manage Alerts. I guess they don't differentiate if one is Citigold or not for the online account. Try it and see.

next year 5% may not be big surprise, 6% wud be BIG surprise, unkle bones!

laff with loudspeker, call unkle mata mata to give u free nasi curry.

Thanks will try latter. . Most of the time using phone banking. This feature very useful to monitor incoming fund

need to open separate fd account for each branch. need new set of signature specimen. felt like i time travelled back to dinosaur age )

0.25% only

But have a look at this write-up