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Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only
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yygo
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 Mar 4 2016, 07:04 PM
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QUOTE(pearl_white @ Mar 4 2016, 12:57 PM) Thats why it is said time and time again, if you haven't reach that level, you won't understand. At that level, it is called "optimisation" rather than maximisation. Reach that level first, then come back here and tell us your experience. Only one to two person here, there's one who has a blog, reached that level. You can tell by they way they post and see their thinking process. Premier that good meh? Isn't private banking better? Seem to see MBB focussing on Premier rather than Private? Like above, premier is bread and butter biz rather than private. frankly, MBB private banking sucks, so is HSBC premier. nevertheless, MBB private got alot of aunties who parton and bank in a lot of cheques. Each check that i get a glimpse are usually all 7+ figures (excluding the .00). Those I see patron HSBC premier are those 20+ something young girls banking in 200k+ cheques. wat is the investible amount for one to consider "u have make it" in your view? so that no need to chase high fd rate?  |
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yygo
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Mar 4 2016, 09:44 PM
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QUOTE(Ramjade @ Mar 4 2016, 08:34 PM) Perhaps few FD certs each having min rm1m or maybe like unker goat where difference in few days of interest = one dinner for the family? Personal figure of rm10m should be enough. You can't spend finish rm10m unless you gamble it at Vegas.  tis coming from someone who even care about rm0.11 is laughable.  rm10m lose in vegas, sub sub sui. wat's in your mind?  QUOTE(doraemon_p @ Mar 4 2016, 09:26 PM) I went maybank on 26 February, they told me the 4+4 FD promotion (4.38%) ended, and the new rate is 4.22 for 12 months. And now it become 4.38 ?? !!!!!!   maybank dun have the 4.38% fd. only 4.22% one. confirmed with them. This post has been edited by yygo: Mar 4 2016, 09:46 PM |
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yygo
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Mar 7 2016, 10:19 AM
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QUOTE(tohca @ Mar 7 2016, 08:51 AM) very true... that's why i stay away from bsn and also BR. br should be ok. comparable to other banks. issue fd cert faster than most. QUOTE(cybpsych @ Mar 7 2016, 09:36 AM) received another monthly profit for MBB's GIA-i eFD. Effective rate is 4.00% p.a.  efd? how about your yearly one mbb gia-i? i know you have both types. |
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yygo
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Mar 7 2016, 10:25 AM
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QUOTE(cybpsych @ Mar 7 2016, 10:23 AM) the 12m promo, not yet receive march's profit  based on bbgoat's, should be same. oic. the efd 1 mth 4% not bad. can consider for short term use.  |
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yygo
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Mar 7 2016, 10:45 AM
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QUOTE(flyingteeku @ Mar 7 2016, 10:42 AM) Took me only less than 10 minutes to open FD in BSN... plenty of BSN branches whole Malaysia.. within the vicinity of my area already have 3 branches... interesting. one active guy here quoted 4 hours to open fd account in bsn.  depends on the branch? |
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yygo
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Mar 7 2016, 11:32 AM
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QUOTE(Ramjade @ Mar 7 2016, 10:56 AM) That's 4 hours just to open a SA. But that was 5 years back. Things might have change in 5 years. Btw, if you read the bsn reviews by the many forum members, nothing have change (the waiting time)  QUOTE(tohca @ Mar 7 2016, 11:15 AM) that's probably true. the last time i stepped into bsn was probably 10 years ago. experience was so bad (sloooowww) that i swore never to go there anymore. guys, please la, 5 years, 10 years ago, history. QUOTE(cybpsych @ Mar 7 2016, 11:19 AM) the thing is, BSN is doing rebranding, i guess they're improving their operations too to be competitive and making a presence. bsn advertising in chinese newspaper. hopefully really changing and rebranding. can give a try later.  4.5% 1 year good rate. |
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yygo
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Mar 7 2016, 12:43 PM
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QUOTE(supersound @ Mar 7 2016, 12:37 PM) "Rebranding" and "changing" does not mean anything as long as people working inside still the same. taikor, management need to institute changes, get pipu to change. u cannot expect a company to change by changing all employee, do u? |
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yygo
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Mar 7 2016, 12:55 PM
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QUOTE(supersound @ Mar 7 2016, 12:46 PM) As said, if the people are the same, is more on boasting effect. You need total people change to have a total improvement  u really old school. mgm guru will not be needed any more. mgm responsible for changes/improvements. just like mas airline need a change. do they change all new staff? new ceo, new idea, new thinking. anyway, lets see first. i may try bsn later.  This post has been edited by yygo: Mar 7 2016, 12:55 PM |
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yygo
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Mar 7 2016, 01:52 PM
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QUOTE(supersound @ Mar 7 2016, 01:04 PM) You are pretty right on this, I just back from BSN 40 minutes ago, was over there since 9:30am, took a number of number 30 and at the mean time I went to wet market buy vege, meat and managed to TCSS in the food court, went back BSN around 11:30am, it was number 22  So I went to the wine shop nearby and buy few bottles of wine and another round of TCSS, 12pm run back to BSN and still standing strong at 22  Oklar, they do improve the service, 2.5 hours of waiting and I just walk off. wat to say? blame your luck. see below: QUOTE(flyingteeku @ Mar 7 2016, 10:42 AM) Took me only less than 10 minutes to open FD in BSN... plenty of BSN branches whole Malaysia.. within the vicinity of my area already have 3 branches... |
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yygo
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Mar 7 2016, 04:36 PM
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QUOTE(supersound @ Mar 7 2016, 04:04 PM) Well, not in Seremban since this is a village area  no wunder. QUOTE(cklimm @ Mar 7 2016, 04:22 PM) the "-6%" makes it sarcastic his special way of expressing himself. |
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yygo
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Mar 8 2016, 10:52 AM
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QUOTE(poor man @ Mar 7 2016, 09:22 PM) no anyone update cimb promo ?? bond 5 year 5.75% ut rm10k:rm10k fd 1 mth 17.88% or 3 mth 7.88% tx for lots of info on fd previously. but we only talk on fd. QUOTE(tyan1234 @ Mar 8 2016, 10:47 AM) because currently im encounter an investment opportunity which are considered as safe as FD and paying 10% p.a return but it have an investment duration for 5 years.. tats why im here for discussion  10% pa? risk? please take tis discussion elsewhere. we talk fd only. |
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yygo
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Mar 8 2016, 11:41 AM
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QUOTE(tyan1234 @ Mar 8 2016, 10:59 AM) okok  thx for the advice Im sorry sir  , quite fresh to lowyat forum, not sure about the rules here.. i think its quite low risk lah. ok .. so just open another new topic under this forum is it?  ya, discuss it in finance forum. not tis thread. |
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yygo
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Mar 8 2016, 06:49 PM
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QUOTE(wil-i-am @ Mar 8 2016, 06:24 PM) Any possibility for BNM to deliver surprise tis time? i say opr stay the same. wat say u? |
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yygo
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Mar 8 2016, 10:28 PM
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QUOTE(wil-i-am @ Mar 8 2016, 10:27 PM) Zeti could give free gift to Rakyat b4 step down u bet. gift to those with fd or those with loan. |
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yygo
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Mar 9 2016, 08:44 AM
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QUOTE(TOMEI-R @ Mar 8 2016, 10:52 PM) Wow.. highest interest rates offered so far is by CIMB.  bro, read the t & c. QUOTE(cklimm @ Mar 9 2016, 07:27 AM) serious?  |
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yygo
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Mar 9 2016, 09:48 AM
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QUOTE(TOMEI-R @ Mar 9 2016, 09:05 AM) Have to give and take. But we are only interested in pure fds no? tat one not pure fd. ut bundled can give high rates. we are interested on eff rate. so tat one by cimb 4.68% not the highest yet. some even saying 8,9, 10%. This post has been edited by yygo: Mar 9 2016, 09:52 AM |
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yygo
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Mar 9 2016, 07:58 PM
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yygo
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Mar 10 2016, 09:36 AM
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QUOTE(kopifan @ Mar 10 2016, 09:27 AM) Subject to changes in OPR, means u may not get EIR after all?!? QUOTE(kopifan @ Mar 10 2016, 09:29 AM) thought no more 4.38% now 12m@4.22%?!?! QUOTE(kopifan @ Mar 10 2016, 09:33 AM) HLB now 3m@4.2%?!?! 4.5% offer over end of Feb i think bro, there is a rule here. plse combine your reply into one post by doing "quote" then "add reply" to combine them. see some earlier example of how pipu reply |
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yygo
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Mar 12 2016, 07:41 PM
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QUOTE(TOMEI-R @ Mar 12 2016, 01:02 PM) Means... no more 4.5% rates for now for all banks. If you gave them a cheque, its is normal procedure for the interest to start after cheque clears which will take 2 working days. I have tried with a banker's cheque and HLBB gave me the same day interest. bro, br still has 2 yrs 4.55%, min 50k. also most banks (almost all!!) give start date same as date of cheque (personal or banker's cheque). only bsn seems to have start date 2 or 3 days later!! |
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yygo
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Mar 14 2016, 08:42 AM
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QUOTE(AdviceSeeker @ Mar 14 2016, 08:34 AM) Hi all, Do banks in malaysia accept FD that worth up to 2 millions ringgit malaysia? Thank you do u mean in 1 bank alone? should be ok but better check with them as some bank may place restriction. some years ago, >1 million fd is at board rate. so check with the bank. |
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