Yes, going to do that.  But i just noticed the T&C for the e-FD Flexi (MBB) campaign saying it's for fresh fund.  How does it work? I uplift my matured FD, put into my savings acct, then register online for the e-FD? In that way, is it considered fresh fund? At the same time i plan to increase the amount ( which is already ready in my savings account ).  Please advise. Thanks!

Maybank eFD Flexi Step-Up Campaign (Effective 4.31%) still ongoing? I thought it finished on 30 Apr 2016?

MBB online GIA-i is good.. Get 4%p.a. immediately prorated by daily upon upliftment. However, it's no pidm protection. Wonder what is the risk & when the pidm applicable? Bank investment fail is under pidm protection or  bank bankrupt?: p

I just open mbb basic account. so anybody can suggest  mbb savers and mbb saver-i which interest more higher ?

Hi guys, hope I'm in the right place since this is about FD.
I'm quite curious, after reading here and there, and also listening to stories and experiences from friends and acquaintances.

I've always thought that FD are sort of a "FIXED" thing but is it true where the rates and promotion still can change (usually rare case) due to the bank's own TnC? Like by a few decimal percentage?

And another thing I've read in probably the earlier thread, v2? V3?, where a group if you members sort of try to accumulate up to XYZ figure before approaching the bank to make an appointment to 'negotiate' a rate? What sort of rates can be negotiated or discussed? I mean like what are the odds the banks would even consider negotiating since, assuming, we only have some "loose changes" for fix deposit, like around RM100k?

At what amounts would they even consider to bump up the rates, are we talking about? 1Mil? 5Mil? 10Mil? 2.6Bil?
Let's take PBB's 1-mth period of 3.15% as a starting point.
*hyphothetically and theoretically speaking of course.*

tun, br 50k can nego. 100k bagus lagi.

not semua banks boleh nego.

Hi all, referring to the Maybank GENERAL INVESTMENT ACCOUNT-i, how many months should I choose when opening the account? 1 month - 60 months? Any difference? Thanks.

Hello Sensei-sensei Sekalian!

I`m a newbie here and wanted to explore in Fixed Deposit savings. I have never do FD before and planned a schedule for me to save it. Plan to save RM1000 per month and keep on adding the returns of 12 months tenure interest into the FD and keep it rolling.
I followed Affin bank 3.70 p.a. interest and not sure whether my planning can be done. At the end, I saw my total savings 27 years later around RM300K++ become into RM500k++. It almost earn like 175% (not sure correct or not). Please enlighten me. Do let me know if there is any other way around or a better way to save my money. Do focus on FD part and ignore the basic saving interest calculation as didn`t spend much on that part. Let me know if there is any problems.
Thank you Sifu-sifu and expert-expert here!!! Arigato gozaimazu!!!

It is difficult to keep track by the FD certs or printed advice. I thought u are using Excel file ?

But u are lucky as it is only since last week. Just have to cut loss and move over. BR is good choice for busy HNWI !

Nego rates for BR today

4.4%p.a. - 12 months
4.5%p.a - 24 months

Dear Pearl white, which bank can give 4.4%Pa- 12 months?

How much the capital? do u mind tell us?
Thank You.

just been to maybank and saw the same promo of Profit Now Account-i 4.23% p.a for 9 months tenure. looks quite good...

Let say u place 1 mil, u will get rm31725 instant profit (1 mil x 4.23% x 9/12)
If u reinvest the rm31275, u will get rm1006 instant profit again (rm31275 x 4.23% x 9/12)
So, effective rate is 4.36% p.a [((rm31725+rm1006)/(9/12)) /1 mil x 100%]

They cut, we leave. They will increase rate when they run out of $

Was planning to withdraw my FD from Affin Bank and park it under Maybank today, however the counter lady told me they introduced new rate last Friday. 4.5% for 12 months. Renewed my FD with them and got that rate.

are they any transaction costs? seems interesting

so, if 4%, customer gets only 2.8% ; 70:30 ratio

ok ,thanks; will go open an a/c, got more funds freeing up

can? i can't seem to find the option? i checked under investment, nothing

not likely pure fd. casa or investment related. affin loves customer to put down some $$ in casa.

Which means existing eFD upon maturity or upliftment, then follow new process and automatically will go into new interest rate right?

Just to confirm before I proceed

Just checking I have placed my funds under GIA-i in M2U and for now it is auto credit to my account upon maturity after a month. If in my next cycle, I select auto renewal upon maturity, can I still uplift it at anytime? Just in case if I have any emergency and suddenly later cannot uplift, I'll be in trouble.

FD promotion may still around for sometimes, as LDR inched up from 86.9% to 87.2%.

http://www.thestar.com.my/business/busines...slips-in-april/

Deposit still slow.