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

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Yippie123
post Feb 25 2016, 05:10 PM

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QUOTE(babysiew @ Feb 25 2016, 04:32 PM)
the GIA that we r talking about is GIA-i right? I am just curious why so many sifus putting their money in GIA-i when the principal is not guaranteed
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You worry about Maybank kaput?
babysiew
post Feb 25 2016, 05:38 PM

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QUOTE(Yippie123 @ Feb 25 2016, 05:10 PM)
You worry about Maybank kaput?
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i worry my little hard earned sweat and blood money kaput... sad.gif
yygo
post Feb 25 2016, 05:42 PM

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QUOTE(babysiew @ Feb 25 2016, 05:38 PM)
i worry my little hard earned sweat and blood money kaput... sad.gif
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laugh.gif your worry should be the return may not be fixed. not on the principal money.

but for reputation sake, i think they will try to stick to the rates given.
suns8630
post Feb 25 2016, 11:02 PM

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QUOTE(adele123 @ Feb 25 2016, 03:39 PM)
Maybank 4+4 FD promo already finished quota.

New promo campaign is

1) 2month
1st month 3.55% p.a.
2nd month 4.35% p.a.

Effective 3.95% p.a.

2) 12month  - min 10k

4.22% p.a.
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Hello Adele 123


Too bad that Maybank 4+4 FD ..finished liaw

I am interested on this Maybank new promo compaign ..

What is it called .. !!!

Where can I get more information ..


Thank you.

adele123
post Feb 25 2016, 11:33 PM

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QUOTE(suns8630 @ Feb 25 2016, 11:02 PM)
Hello Adele 123
Too bad that Maybank 4+4 FD ..finished liaw

I am interested on this Maybank new promo compaign ..

What is it called .. !!!

Where can I get more information ..
Thank you.
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Sorry peeps. No website link. Got the promo info when I went to the branch.

I can take a picture and attach it here, but dibt see much point. The 2month promo is not new. Someone reported previously.
langstrasse
post Feb 25 2016, 11:46 PM

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QUOTE(adele123 @ Feb 25 2016, 11:33 PM)
Sorry peeps. No website link. Got the promo info when I went to the branch.

I can take a picture and attach it here, but dibt see much point. The 2month promo is not new. Someone reported previously.
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Hi, thanks for the info.

Is there a minimum amount for the 2 month promo ?
saddient
post Feb 25 2016, 11:51 PM

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hi sifus.... may i know which bank offer good interest for 10K FD for one year? plan to go by tmr
Ramjade
post Feb 25 2016, 11:53 PM

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QUOTE(saddient @ Feb 25 2016, 11:51 PM)
hi sifus.... may i know which bank offer good interest for 10K FD for one year?  plan to go by tmr
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See first page. sweat.gif
saddient
post Feb 25 2016, 11:57 PM

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QUOTE(Ramjade @ Feb 26 2016, 12:53 AM)
See first page.  sweat.gif
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takes 30 min to absorb but very confusing as well..... understand some bank offering high rates.... but heard some of my friends said not reliable etc.....

thats why ask opinion from here.... maybe can follow sifu foot steps haha

Human Nature
post Feb 26 2016, 12:01 AM

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QUOTE(saddient @ Feb 25 2016, 11:57 PM)
takes 30 min to absorb but very confusing as well..... understand some bank offering high rates.... but heard some of my friends said not reliable etc.....

thats why ask opinion from here.... maybe can follow sifu foot steps haha
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can have a look at uob bank, direct FD.

p/s 1st page is more reliable than hearsay
Ramjade
post Feb 26 2016, 05:50 AM

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QUOTE(Human Nature @ Feb 26 2016, 12:01 AM)
can have a look at uob bank, direct FD.

p/s 1st page is more reliable than hearsay
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I am looking for eFD for rm1k. biggrin.gif tongue.gif Time period 1-2 months. Anything more than 3.15% is good value. thumbup.gif
Bonescythe
post Feb 26 2016, 07:59 AM

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QUOTE(Ramjade @ Feb 26 2016, 05:50 AM)
I am looking for eFD for rm1k.  biggrin.gif tongue.gif Time period 1-2 months. Anything more than 3.15% is good value. thumbup.gif
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There is no significant in 3% and 3.15% for a 1k fd in 2 months.

You shud spend more time in thinking how to make 100k by year end instead of cracking head for 1k fd for 2 mths searching high and lows for 3.15%

The 2 month difference is rm 0.25... is pointless

This post has been edited by Bonescythe: Feb 26 2016, 08:03 AM
Ramjade
post Feb 26 2016, 08:04 AM

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QUOTE(Bonescythe @ Feb 26 2016, 07:59 AM)
There is no significant in 3% and 3.15% for a 1k fd in 2 months
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That's why. sad.gif

I have looked but who knows there's a FD higher than 3.15% for 1-2 months with min placement of RM1k which managed to slip past me. laugh.gif
yygo
post Feb 26 2016, 08:42 AM

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QUOTE(Human Nature @ Feb 26 2016, 12:01 AM)
can have a look at uob bank, direct FD.

p/s 1st page is more reliable than hearsay
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uob bank direct fd? wats tat?

QUOTE(Bonescythe @ Feb 26 2016, 07:59 AM)
There is no significant in 3% and 3.15% for a 1k fd in 2 months.

You shud spend more time in thinking how to make 100k by year end instead of cracking head for 1k fd for 2 mths searching high and lows for 3.15%

The 2 month difference is rm 0.25... is pointless
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why give free money to bank? laugh.gif sikit sikit jadi bukit. laugh.gif tats his motto. brows.gif
Human Nature
post Feb 26 2016, 08:49 AM

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QUOTE(yygo @ Feb 26 2016, 08:42 AM)
uob bank direct fd? wats tat?
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means not linked to any saving account
yygo
post Feb 26 2016, 09:02 AM

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QUOTE(Human Nature @ Feb 26 2016, 08:49 AM)
means not linked to any saving account
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good point. did not notice tis type of things. but good for those tat do not want to get tied down by opening sa. thanks.
cmk96
post Feb 26 2016, 09:11 AM

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Any other bank offer direct fd?... no need so many SA la...
cybpsych
post Feb 26 2016, 09:15 AM

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received my monthly profit for MBB's GIA-i eFD. effective rate is 4.00% p.a. thumbup.gif

continue slowly replacing my other Islamic eFD (3mths, autorenew) to GIA-i eFD (2mths, autorenew) rclxms.gif

This post has been edited by cybpsych: Feb 26 2016, 09:18 AM
WhitE LighteR
post Feb 26 2016, 09:23 AM

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QUOTE(cybpsych @ Feb 26 2016, 09:15 AM)
received my monthly profit for MBB's GIA-i eFD. effective rate is 4.00% p.a. thumbup.gif

continue slowly replacing my other Islamic eFD (3mths, autorenew) to GIA-i eFD (2mths, autorenew)  rclxms.gif
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not bad for an efd but as other said, the principal is not guaranteed so there is a tiny bit of risk involved i guess... but since maybank just said they made a ton of money a few days back, i guess we shouldn't worry much laugh.gif
cybpsych
post Feb 26 2016, 09:26 AM

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QUOTE(WhitE LighteR @ Feb 26 2016, 09:23 AM)
not bad for an efd but as other said, the principal is not guaranteed so there is a tiny bit of risk involved i guess... but since maybank just said they made a ton of money a few days back, i guess we shouldn't worry much laugh.gif
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it's maybank, so there's little worry about the principal guarantee.

i only put 1-2k per placement, that's my exposure anyway, still manageable.

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