Fixed Deposit Rates In Malaysia V. No.11, Strictly for FD Discussion Only
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 Feb 16 2016, 10:46 AM
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#61
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All Stars
65,274 posts Joined: Jan 2003 
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QUOTE(bbgoat @ Feb 16 2016, 10:38 AM) Ya, the 4.5% is supposed to be average if we kept for the one year period. So not sure about his Nov/Dec getting 4.5%. yygo has asked him that question also. the best part about MBB GIA-i's rate is it also applies to eFD too.  I've put some fund last month for 3-month tenure (MBB GIA-i eFD, monthly crediting of profit). it gave me indicative rate of 4% p.a. Will monitor the effective rate once mature in 3 months time. |
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Feb 16 2016, 11:04 AM
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#62
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All Stars
65,274 posts Joined: Jan 2003
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QUOTE(bbgoat @ Feb 16 2016, 10:52 AM) When did they start this ? Is there an end date ? Minimum 1k ? it's just the normal GIA-i eFD inside M2U.Good rate for 1 to 3 mths especially can terminate as we goes, if it is the same as the GIA-i that we bought last year. if not mistaken, 1 month tenure need min RM5k. 2 or more tenure months, need min RM1k |
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Feb 16 2016, 11:07 AM
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#63
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All Stars
65,274 posts Joined: Jan 2003
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QUOTE(cj7lee @ Feb 16 2016, 11:02 AM) one month GIA-i eFD also 4.0%. yes i know 4.0%. i just purposely put in as 3-month tenure and let it autorenew. furthermore, the profit is credited monthly anyway, I dont need the fund for immediate use anyway |
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Feb 16 2016, 11:54 AM
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#64
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All Stars
65,274 posts Joined: Jan 2003
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QUOTE(babysiew @ Feb 16 2016, 11:49 AM) any hidden charges? very good for short term. eFD no charges. make sure got fund in your saving accounts this one right? eFixed Deposit A Fixed Deposit that can be placed and withdrawn online via Maybank2u Key info: Tenure: 1 - 60 months Minimum investment: RM5,000 (1 month) RM1,000 (2 months and above) * Eligible for protection by PIDM |
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Feb 16 2016, 12:07 PM
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#65
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All Stars
65,274 posts Joined: Jan 2003
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QUOTE(babysiew @ Feb 16 2016, 11:59 AM) but i dont see the 4% interest wor. I saw 3.15% select GIA-i when u perform eFD placement in M2U. you wont see the profit rate in M2U though. It's shown in M2U App itself   |
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Feb 17 2016, 07:04 AM
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#66
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All Stars
65,274 posts Joined: Jan 2003
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QUOTE(harmonics3 @ Feb 16 2016, 06:42 PM) How did you opt for monthly interest credit for GIA-i eFD more than 1 month? in M2U lor, when u place eFD.monthly profit payment frequency is the only option available anyway  |
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Feb 19 2016, 11:14 AM
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#67
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All Stars
65,274 posts Joined: Jan 2003
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QUOTE(starry @ Feb 19 2016, 11:02 AM) Hi, I just made a one month E Islamic FD placement at Maybank2u.com. In the receipt it's stated: Principal RM10000 Term: 1 month Profit rate 3.25% Profit earned RM25.75 Selling price RM10025.75 Anyone knows how the interest is calculated?  3.25% / 366 x 29 days x RM10,000 |
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Feb 19 2016, 11:29 AM
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#68
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65,274 posts Joined: Jan 2003
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QUOTE(tank82 @ Feb 19 2016, 11:20 AM) choose a) Mudarabah Investment or b) Islamic Deposit Account? there is GIA-i from the Product Type dropdown menu. |
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Feb 19 2016, 11:42 AM
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#69
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All Stars
65,274 posts Joined: Jan 2003
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QUOTE(uglyduckling422 @ Feb 19 2016, 11:39 AM) For the MBB GIA Ac is it the 4% interest is not guarantee? Sorry first time see this. nope. might be less, might be more. read what's GIA hereif you dont have confidence in GIA or MBB itself, then go for conventional FD/eFD. |
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