Not when NPL are at all time high.

Nowadays, banks will only give out loans to those who dont need one.

I hope they do keep raising the interest rates high... but then again, the market and economy suffers. Oh well... 

hi sifu sekalian, please bear with me for a simple question. i am budak baru belajar, saving reach 20k (celebrate ) so i was thinking to put 10k in FD but at the same time want to make sure i understand the premature withdraw correctly.

so i was looking at the MBB eFD (http://www.maybank2u.com.my/WebBank/edFlexi250316_tnc.pdf)

in table2 scenario where it says premature Withdrawal, the last column (*Interest Payable & Penalty Calculation) means if i need to withdraw the 10K out for emergency, the value in the table is the prorated interest i gain? or penalty $ i need to pay for withdrawing before FD mature?

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

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 

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

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

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 

Thats very high risk esp wif crimes so rampant.

Thanks for sharing your thought. For me, it is too risky and it is not worthwhile to save the mere RM 5.98 of banker cheque

Not the usual 5 steps? 

Decent returns for short term

Not sure if this is a good financial practice or not. I will park my net income into GIA after minus all the living expenses for short term like 2 months, once I got 10k then I hunt for FD promo

So far consistent 4%. 

I will only run banks for promo rates

Thanks for the share.. Transferred all my rhb efd to maybank 

Whats the difference between Conventional and GIA efd? I mean as in what should i look out for or understand before placing on GIA efd?
Edit: i noticed that for GIA, it stated that "Indicative Rate and Profit Sharing Ratio (PSR)", does that mean the final effective rate would differ from what it stated there?

Relatively new to this, sorry for the noob question.

GIA 4.5% from 7 months onwards if applicable for <RM10k placement?

the 7 mth 4.5% gia-i ended? only the monthly 4% left, right?

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

GIA no PIDM vs eFD with PIDM

yes, the 1 mth 4% attractive. but no 7 mth 4.5%. only short term placement, the gia-i is attractive.

Is weekend and public holiday counted for profit?

Anyone knows what will happen if FD plan has fully matured?

1) auto renew to latest plans
2) just become stagnant with 0% interest
3) continue last interest rate in old plan

Any idea?