Thanks for info. 

Have been thinking of putting more eggs in Affin. With this change will just move to OCBC 4.5%. 

How long have u been waiting for their call after you dropping ur information on their website?

Chinese new year coming. Affin always have nice promo during Chinese new year.

If opr decrease? Say BNM raise interest rates, lots of people may default. That's going to create a chain reaction to the banks. Most Malaysian are in debts too deep.

I think BNM will cut/maintain rates. So that it won't create a chain reaction.
Affin bank's CNY promo always extend until April.

I dont know what to read. So Affin bank has the highest FD? And what are those brochures says for every bank? Why some offer 3.6%, 3.9%, and 4.6% for 6th month or 12 month

I took the picture quietly without flash light lah.. 
But I think the OCBC Leng Lui in the picture maybe suspect me to take
picture.. 

Actually there were 2 more OCBC Leng Lui but unfortunately
because of the angle problem, I was unable to take the picture,
next time will try again if got chance..

Oh... If OCBC find out I take picture in side the bank, will OCBC call police
to put me in custody..?

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.

just collected the 20' barry smith luggage from ocbc..my 3rd bag this year
hopefully next year they change to something else

HLB 6 months 4.5% so far the best offer compare to others bank?

Yes. Stupid move. After maturity, just remove and dump into the another bank with the highest interest. No banks will give you higher interest after their promo rates. Why should they?    Banks are doing business. They hope that you will forget to remove your FD upon maturity, hence they do not need to pay you so much interest. If you are lazy to move your money around every year, dump into 5 years FD. After 5 years, then only you move your money. Interest will not be added to the original amount (prinicipal)

Yes. 50 years right? EPF. You cannot remove your money until 55 years old and compunding interest will be at work. Interest given is ~6.75% p.a

Another one is ASX FP (6.x% p.a). That's what I am switching all my FD to. Too lazy to keep running to the bank every year.

The question is are you willing to let the government touch your money (EPF and ASX FP)? 

More info :
ASX FP - https://forum.lowyat.net/topic/3779176
EPF - https://forum.lowyat.net/topic/2705461

hi guys,
I never had any experience in FD, so dun fire me hehe

this is my situation:

i have a biz that requires me to use my capital only for 1 or 2 weeks per month
is it a wise move for me to put the money in FD and ask for OD?

your opinion is highly appreciated
thanks