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

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aromachong
post Apr 24 2016, 12:15 PM

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QUOTE(bbgoat @ Apr 24 2016, 12:11 PM)
Not kan cheong. Cannot leave eggs unattended. Losing interest ma ........................ tongue.gif

Also cannot keep eggs under the pillow while waiting for 5% FD.  tongue.gif
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lol.. right..

some of my funds while waiting.. put em in smartsavers
bbgoat
post Apr 24 2016, 12:20 PM

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QUOTE(aromachong @ Apr 24 2016, 12:15 PM)
lol.. right..

some of my funds while waiting.. put em in smartsavers
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Ya, small funds keep in high yielding SA then sikit sikit jadi bukit. rclxms.gif Go for FD promo. But larger funds, not worth waiting as the loss from interest earned is high by the time higher FD promo comes, IF IT EVER COMES !!
Human Nature
post Apr 24 2016, 01:20 PM

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QUOTE(bbgoat @ Apr 24 2016, 08:35 AM)
Thanks for the confirmation !  rclxms.gif

Human Nature, I think must meet the requirement like min 25k as well.  smile.gif
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Got it, thanks.

Gonna be frequently going to BR this month, if no other better promo from other banks.


cklimm
post Apr 24 2016, 01:27 PM

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QUOTE(MGM @ Apr 24 2016, 11:45 AM)
elaborate please.
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There's 31k of my funds placed in HSBC FD @ 3.15%, which is pledged for a HSBC advance credit card. Should I touch that FD, the 13k points accumulated will be gone for good
SUSsupersound
post Apr 24 2016, 01:29 PM

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QUOTE(cklimm @ Apr 24 2016, 01:27 PM)
There's 31k of my funds placed in HSBC FD @ 3.15%, which is pledged for a HSBC advance credit card. Should I touch that FD,  the 13k points accumulated will be gone for good
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Well, 3.15% of FD interest are very low. You do the maths, have to see how long for that FD matures.
aromachong
post Apr 24 2016, 01:41 PM

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QUOTE(cklimm @ Apr 24 2016, 01:27 PM)
There's 31k of my funds placed in HSBC FD @ 3.15%, which is pledged for a HSBC advance credit card. Should I touch that FD,  the 13k points accumulated will be gone for good
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Why would you pledge 31k for a credit card? worth?
cklimm
post Apr 24 2016, 01:59 PM

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QUOTE(supersound @ Apr 24 2016, 01:29 PM)
Well, 3.15% of FD interest are very low. You do the maths, have to see how long for that FD matures.
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That shit matures early June, hope my points will reach 15k that time, redeem, cut, ciao


QUOTE(aromachong @ Apr 24 2016, 01:41 PM)
Why would you pledge 31k for a credit card? worth?
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there was a signup bonus of 5%p.a FD, 10% cashback for card swipes, for applying HSBC advance.
I took both, place 30k for the FD, and pledge it for the card.

The first 3 months were great with 5% interest, but soon it dropped back to board rate, but I couldnt lift it, as it has been tied with the card with 6k points already bangwall.gif
SUSsupersound
post Apr 24 2016, 02:08 PM

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QUOTE(cklimm @ Apr 24 2016, 01:59 PM)
That shit matures early June, hope my points will reach 15k that time, redeem, cut, ciao
there was a signup bonus of  5%p.a FD, 10% cashback for card swipes, for applying HSBC advance.
I took both, place 30k for the FD, and pledge it for the card.

The first 3 months were great with 5% interest, but soon it dropped back to board rate, but I couldnt lift it, as it has been tied with the card with 6k points already  bangwall.gif
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That's close to 3 months wait, as said, you have to decide.
wil-i-am
post Apr 24 2016, 04:01 PM

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QUOTE(aromachong @ Apr 24 2016, 12:15 PM)
lol.. right..

some of my funds while waiting.. put em in smartsavers
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While waiting, u may consider to lend me 1st brows.gif
LNYC
post Apr 25 2016, 01:35 AM

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hi all...received email said the ambank smart savers 2.8%pa will be revised to 1.8% starting from 1st May.
gsc
post Apr 25 2016, 01:57 AM

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QUOTE(LNYC @ Apr 25 2016, 01:35 AM)
hi all...received email said the ambank smart savers 2.8%pa will be revised to 1.8% starting from 1st May.
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Thanks. Do you mean Am bank true saver?
cybpsych
post Apr 25 2016, 06:45 AM

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QUOTE(LNYC @ Apr 25 2016, 01:35 AM)
hi all...received email said the ambank smart savers 2.8%pa will be revised to 1.8% starting from 1st May.
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QUOTE(gsc @ Apr 25 2016, 01:57 AM)
Thanks. Do you mean Am bank true saver?
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already discussed here

https://forum.lowyat.net/topic/3592170
Ramjade
post Apr 25 2016, 07:52 AM

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QUOTE(LNYC @ Apr 25 2016, 01:35 AM)
hi all...received email said the ambank smart savers 2.8%pa will be revised to 1.8% starting from 1st May.
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Just tutup account. Not worth keeping anymore. Only close after 1/6/2016. Going to do that after the last 2.8% interest is paid (31/5/2916)

This post has been edited by Ramjade: Apr 25 2016, 07:58 AM
thingamagic
post Apr 25 2016, 09:07 AM

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Any advice on best way to move funds between 2 banks?

Is it cheaper to buy banker cheque or do EFT or IBG?


filage
post Apr 25 2016, 09:18 AM

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QUOTE(thingamagic @ Apr 25 2016, 09:07 AM)
Any advice on best way to move funds between 2 banks?

Is it cheaper to buy banker cheque or do EFT or IBG?
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Very likely IBG is cheapest @ 11 cents per transaction - just involve waiting time.

Banker's cheque usually RM5 plus few cents more of stamp duty as well as probably GST.

Not very sure about EFT.

But the better version of IBG, that is IBFT (Instant), is not too bad as well if you need express transfer (no waiting). 50 cents plus plus (GST).
bbgoat
post Apr 25 2016, 09:49 AM

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QUOTE(wil-i-am @ Apr 23 2016, 04:31 PM)
Did BR inform new promo is until when?
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Asked this morning. Reply is till 31/5.

QUOTE(Human Nature @ Apr 23 2016, 08:23 PM)
I do actually, can we get the promo rate at renewal or they require some top up?
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Renew also can. Min 25k.
SUSsupersound
post Apr 25 2016, 10:25 AM

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QUOTE(thingamagic @ Apr 25 2016, 09:07 AM)
Any advice on best way to move funds between 2 banks?

Is it cheaper to buy banker cheque or do EFT or IBG?
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Go to the bank branch withdraw the hard cash out, then transfer to another bank, simple as that whistling.gif
I've benn doing this for the past few years, each time hand carry rm50000, with all rm50 notes rclxs0.gif
aromachong
post Apr 25 2016, 10:48 AM

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QUOTE(supersound @ Apr 25 2016, 10:25 AM)
Go to the bank branch withdraw the hard cash out, then transfer to another bank, simple as that whistling.gif
I've benn doing this for the past few years, each time hand carry rm50000, with all rm50 notes rclxs0.gif
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wa.. u so brave.. i always drive kapcai when i withdraw many money.. for example above 200k cash.. i will request for all 100 notes and put it in laptop bag.. lol so ppl thinkinside is laptop rclxms.gif
wil-i-am
post Apr 25 2016, 01:48 PM

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QUOTE(bbgoat @ Apr 25 2016, 09:49 AM)
Asked this morning. Reply is till 31/5.
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I can't capitalize on d promo cry.gif
wil-i-am
post Apr 25 2016, 01:52 PM

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QUOTE(aromachong @ Apr 25 2016, 10:48 AM)
wa.. u so brave.. i always drive kapcai when i withdraw many money.. for example above 200k cash.. i will request for all 100 notes and put it in laptop bag.. lol so ppl thinkinside is laptop  rclxms.gif
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Now I know yo modus operandi brows.gif

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