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 Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only

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yygo
post Apr 11 2016, 04:32 PM

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QUOTE(BoomChaCha @ Apr 11 2016, 02:41 PM)
Thanks for the FD info..Bro  thumbsup.gif

If got 6 figure, I think can ask for a better rate?  brows.gif
May be 4.4% or even 4.5%?  hmm.gif
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unker last time said br can get 5% for 1 mil. bangwall.gif

6 figure can get 4.4% or 4.5%? unker good at massaging figures also baxx? brows.gif
yygo
post Apr 13 2016, 12:33 PM

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QUOTE(BoomChaCha @ Apr 13 2016, 12:31 PM)
Oh.. didn't know about this...  thumbsup.gif

What is the maximum fund is allowed to use FOC IBFT & IBG thru online banking..?  hmm.gif
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unker dun know? devil.gif

50k.
yygo
post Apr 13 2016, 12:52 PM

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QUOTE(Best property review @ Apr 13 2016, 12:43 PM)
Got a sms from maybank : place miniumum RM10k for 12months FD enjoy rates of up to 5.75%... any details on this?
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tis is step-up fd, eff rate 4.31% oni.
yygo
post Apr 14 2016, 09:40 AM

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QUOTE(sandkoh @ Apr 13 2016, 04:44 PM)
uncle goat, show us the br's gift after you got it. thumbsup.gif
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unker goat, lets see see your fd gift. nod.gif

someone said "sharing is caring" devil.gif

dun worri, not show-off. laugh.gif

This post has been edited by yygo: Apr 14 2016, 09:41 AM
yygo
post Apr 14 2016, 11:45 AM

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QUOTE(mkcmeng @ Apr 14 2016, 11:42 AM)
dear sifu sifu,
thinking putting aside some moolah into an FD account for maybe a period of 6mnths.
Currently, which bank offering the most attractive rates dear sifu-sifu?
Any advice is much appreciated. Thank you.
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see page 1 dulu.

This post has been edited by yygo: Apr 14 2016, 11:46 AM
yygo
post Apr 14 2016, 02:04 PM

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QUOTE(galaxynote259 @ Apr 14 2016, 01:54 PM)
yeap no penalty for early withdrawal. just set 60 months tenure but you are free to withdraw any day.
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so even 1k can set 60 mth and take out 1 mth later and get 4%.

This post has been edited by yygo: Apr 14 2016, 02:04 PM
yygo
post Apr 14 2016, 02:56 PM

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QUOTE(cybpsych @ Apr 14 2016, 02:52 PM)
the tenure is irrelevant biggrin.gif

i even place and withdraw in 3 days time.  laugh.gif
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but if amount <5k, you cannot set 1 month. have to set 2 mths and above. hmm.gif

so the loop hole is <5k, set longer period, then take out 1 mth later still get 4%. hmm.gif
yygo
post Apr 14 2016, 03:04 PM

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QUOTE(cybpsych @ Apr 14 2016, 03:00 PM)
i put 1k with 2 month tenure. withdraw after 3 days. prorated profit is still 4%.

hence, it doesnt matter the tenure you put because m2u will prorate the profit back to you based on the days of placement. in short, interest is calculated in daily unit.
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understood. but their loop hole is <5k cannot put 1 mth, but we can bypass tat one.
yygo
post Apr 16 2016, 10:02 AM

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QUOTE(aromachong @ Apr 16 2016, 09:47 AM)
if like that drop liao lo no more 4.5%? i believe back few months back mach offer 4.5% and BSN did it too
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oreidy has sign about 2 month back. even mbsb 4.18%. oni uob has this late march for short time.

so 4.5% rclxs0.gif

This post has been edited by yygo: Apr 16 2016, 10:04 AM
yygo
post Apr 16 2016, 10:39 AM

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QUOTE(aromachong @ Apr 16 2016, 10:32 AM)
lol i have br so no worries  rclxs0.gif

just want put extra money earn this few months into mbb or hlb again hmm...
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o, br, 4.5%? devil.gif
yygo
post Apr 17 2016, 08:28 AM

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QUOTE(wil-i-am @ Apr 16 2016, 09:55 PM)
Great opportunity to leverage on d int rate
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care to elaborate? hmm.gif
yygo
post Apr 19 2016, 11:35 AM

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QUOTE(bbgoat @ Apr 19 2016, 10:30 AM)
Received call from BR to collect the gifts. Including gold coins and golf umbrella (not golf club  tongue.gif ). Will collect later.  rclxms.gif
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remember to show us, unker goat! thumbup.gif
yygo
post Apr 19 2016, 12:19 PM

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QUOTE(pearl_white @ Apr 19 2016, 12:08 PM)
I don't have Xclusive Card.
I never received pens, gold coins, dinner invites.  Never got consierge service.

Only thing I got is
1) amenity bag
2) 2 coffee mugs
3) 1 Bank Rakyat recycle bag
4) 1 Hari Raya open house (last year)
5) CNY hamper

Poor vendor intelligence and management.
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how come? they miss u out? doh.gif call them n show them your deposit!
yygo
post Apr 21 2016, 01:38 PM

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QUOTE(WhitE LighteR @ Apr 21 2016, 01:07 PM)
is there any actual value to this or just a paper weight?
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bro, dun be cynical just because u are unable to get it! bangwall.gif laugh.gif devil.gif
yygo
post Apr 23 2016, 12:10 PM

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QUOTE(Ramjade @ Apr 23 2016, 12:04 PM)
Let me give you a tip on how to maximise your IBG and save time. Transfer your money the night before or before 5 a.m of present day. Go to bank after 11 a.m, your money is already there. rclxm9.gif biggrin.gif
Cost RM0.11. If you transfer after 5-8 a.m, money will enter the other bank account after 2. Kind of tight timing.

Want to bring it to the next level and save the RM0.11? Check out UOB, HLB SA. Not sure which of their account is free.
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tat depend on bank. if amount besar, then bc still better. some bank limit 10k per day ibg.
yygo
post Apr 27 2016, 03:26 PM

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QUOTE(kochin @ Apr 27 2016, 02:58 PM)
http://www1.uob.com.my/privilege/assets_hya_promo.html
free watches for savings in their high yield account.
no idea on their rates though.
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bro, not fd.

"The High Yield account is a flexible chequeing account which provides an updated and consolidated view of your total Asset Under Management via monthly statements. "

http://www1.uob.com.my/personal/deposits/c...ld_account.html
yygo
post Apr 27 2016, 05:46 PM

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QUOTE(lowya @ Apr 27 2016, 04:28 PM)
those who think using laptop bag is secure, should rethink to use giant plastic bag instead for lesser risk lol.
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y risk 100,000 (or more) cash vs rm5 or 6 for bc or ibft? bruce.gif
yygo
post Apr 27 2016, 06:09 PM

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QUOTE(twinkle5129 @ Apr 27 2016, 06:04 PM)
For 100k+, 3mths fd 4.3%. promo end 30/4.
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hl? still on?
yygo
post Apr 29 2016, 05:29 PM

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QUOTE(charmhy18 @ Apr 29 2016, 04:06 PM)
any info on may fd? missed the HLB promo fd and others...most of them last day today
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uob fd 4.3% end may. hope still there next week.
yygo
post Apr 29 2016, 08:05 PM

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QUOTE(poor man @ Apr 29 2016, 06:55 PM)
affin bank fd promotion flyer
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not pure fd. casa side bad.

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