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

Rolling over is a waste of money as you will be getting board rate when you should be getting promo rates. People here put according to their need. Most put one year, after one year, withdraw money out and transfer to another bank if they give higher rate or transfer back to the same bank so that it will be seen as fresh fund by bank. Who those amount very big, no need to so such hassle. Can get promo rates.

For me, I only keep for 1 month duration (emergency cash reserve). Might be going for Maybank GIA-I eFD next month as that's the only eFD giving 4% p.a Other banks give only ~3.15%

tx for lots of info on fd previously. but we only talk on fd.

10% pa? risk? please take tis discussion elsewhere. we talk fd only.

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.

Im planning to place my fund in the Maybank GIA.
May i know if i will get full amount of the interest ? of part of it based on the Profit Sharing Ratio ?

http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts

"will"? that's guaranteed profit liao.

for GIA, it's always PSR.


so far my MBB 12mth promo GIA gotten 4% p.a., as well as few GIA eFD gotten exactly 4% p.a. profilt.

Alrite. Understood.
Thanks a lot

Latest from CIMB, 100k for FD 4.68%, another 100k in CIMB preferred current acc, free 24k fish and 1 year cimb preferred membership
read T/C http://www.cimbbank.com.my/content/dam/cim...mb-fd-final.pdf




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Which will effectively lower the effective interest rates.

Looking the money for no reason, better go for PBB or UOB. Have to say bye bye to my Maybank's PW already

this plan (100k fd + 100k in current acc) after 3 months

u get effective interest ~3.06% pa + a gift price rm688

Bank Negara is expected to hold its key interest rate steady on Wednesday, a decision that comes as markets wait to see who will succeed the respected, long-serving governor.

Malaysia had better-than-expected growth in the last quarter of 2015, and see no need to change the key rate at this point.

Wednesday's meeting will be the last for governor Tan Sri Dr Zeti Akhtar Aziz, who retires on April 30 after 16 years at the helm.

http://www.thestar.com.my/business/busines...r-new-governor/

Any possibility for BNM to deliver surprise tis time?

i say opr stay the same. wat say u?

Not likely. I think they would wait for 1Q GDP to be out first.

Zeti could give free gift to Rakyat b4 step down

u bet. gift to those with fd or those with loan.

Any idea who gonna be the next BNM governor?

Wow.. highest interest rates offered so far is by CIMB.