Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
7 Pages « < 3 4 5 6 7 >Bottom

Outline · [ Standard ] · Linear+

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

views
     
Ramjade
post Apr 21 2016, 09:25 AM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(aromachong @ Apr 21 2016, 09:24 AM)
it's gold or gold plated boss? 916? 999?
*
Gold plated.
Ramjade
post Apr 21 2016, 01:14 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(WhitE LighteR @ Apr 21 2016, 01:07 PM)
is there any actual value to this or just a paper weight?
*
If you gather that coin, plus other electronic waste, and process it you can actually get real gold from them. So yeah there's real value but you need large amount.
Ramjade
post Apr 23 2016, 12:04 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(citizen_zero @ Apr 23 2016, 11:31 AM)
I'm using CIMB. The banker's cheque costs RM6+ before GST. That's already a chunk of the interest I'm going to earn from FD. But if banker's cheque is still the best option then I may just go for it.
*
Let me give you a tip on how to maximise your IBG and save time. Transfer your money the night before or before 5 a.m of present day. Go to bank after 11 a.m, your money is already there. rclxm9.gif biggrin.gif
Cost RM0.11. If you transfer after 5-8 a.m, money will enter the other bank account after 2. Kind of tight timing.

Want to bring it to the next level and save the RM0.11? Check out UOB, HLB SA. Not sure which of their account is free.
Ramjade
post Apr 23 2016, 02:52 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(harmonics3 @ Apr 23 2016, 02:30 PM)
great  rclxms.gif  rclxms.gif
*
Someone reported that if you hit the limit set, you can go to the bank to request for a higher transfer limit. Not very sure about it. Perhaps you might want to try out.
Ramjade
post Apr 25 2016, 07:52 AM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


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.
*
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
Ramjade
post Apr 27 2016, 06:28 AM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(MNet @ Apr 26 2016, 09:11 PM)
Subsequent eFD for GIA also need to go through same step
*
There's no survey for subsequent placement.
Ramjade
post Apr 27 2016, 04:31 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(lowya @ Apr 27 2016, 04:28 PM)
those who think using laptop bag is secure, should rethink to use giant plastic bag instead for lesser risk lol.
*
Agreed. Laptop bag = contains laptop = worth min rm1k.
Ramjade
post Apr 27 2016, 04:45 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(kart @ Apr 27 2016, 04:42 PM)
After creating e-GIA, I went to the page of "manage eFD", whereby we can charge some details of eFD. There, I keep getting error, when I select "add interest to principal" option. Is it normal for e-GIA?
*
Is normal to get error when modifying the eGIA-i. I tried doing like what you did, was never successful. laugh.gif
Ramjade
post Apr 29 2016, 12:40 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(prody @ Apr 29 2016, 12:32 PM)
I received an sms from Maybank of FD with rates up to 5.75% p.a., but can't find details anywhere.
*
That's not the effective rates.
Ramjade
post May 2 2016, 07:58 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(lowya @ May 2 2016, 07:49 PM)
a quick check, which is the highest effective FD rate (any duration, less than 5 years) currently?
*
4.3% p.a if I am not mistaken.
Ramjade
post May 2 2016, 08:46 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(wil-i-am @ May 2 2016, 08:25 PM)
60 mths is quite long n may stand to lose out in the event of int rate hike
*
Interest rate not likely to go up.
Ramjade
post May 2 2016, 10:43 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(nexona88 @ May 2 2016, 10:39 PM)
why?  hmm.gif
*
For interest to go up, economy must be good. For economy to be good, US and china need to be good. WIth US and China having good economy, there will be demand for stuff. With US and China struggling, where is the demand? Hence interest rates cannot go up. Just my two cent.
Ramjade
post May 3 2016, 09:28 AM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(waeguk @ May 3 2016, 09:22 AM)
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?
*
Renew to board rates unless specify to auto withdraw to SA. You wish banks will want to renew to latest plan or last interest. tongue.gif laugh.gif They wish people will forget to remove the FD and hence consumer will get 3.x% while bank will untung the ~1.0%.

Above is only applicable for layman. Priority members, large FD amount may be renew at promo rates. Depend on which banks.

This post has been edited by Ramjade: May 3 2016, 09:33 AM
Ramjade
post May 3 2016, 07:12 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(bbgoat @ May 3 2016, 06:43 PM)
U guys so active today !  rclxms.gif

Called to few banks' contact this morning:

AmBank promo:
6 mth 4.25%, min 10k. But 5% to be placed in CASA !
They have this lucky draw for cars for FD placement from now till end Oct.

HL: (as some reported)
3 mth 4.15%, 6 mth 4.25% min 10k
till end of June. No more 3 mth 4.3% for >100k.  cry.gif

OCBC:
1 year 4.2%, 8 mth 4.1%, min 10k

UOB:
4 mth 4%, 9 mth 4.15%, 1 year 4.3%
same as the flyer which I shown before and is in 1st page.

CIMB:
3 mth 4%, 12 mth 4.1%, min 10k
*
Guys, better lock your money long term. Looks like FD rates are going down. rclxm9.gif
Ramjade
post May 3 2016, 08:39 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(yygo @ May 3 2016, 08:26 PM)
tun, y so high?  brows.gif fd rate going down and u are high? laugh.gif
*
Yup. FD maturing. Going to withwdraw all. Not joining FD promos so low FD interest does not bother me. Let more people get into debt and wait for the bubble to pop and then strike. Miss the 1998 opportunity, Will not miss the next one. But OT rclxm9.gif

So let the interest rate drop. rclxm9.gif party.gif
Ramjade
post May 6 2016, 08:59 AM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(cybpsych @ May 6 2016, 08:23 AM)
already uplifted mine back in March jor. need fund for property purchase  blush.gif
*
Wake up call for eGIA-i or BAU?
Ramjade
post May 6 2016, 06:59 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(TSOM @ May 6 2016, 06:55 PM)
4.5% for 7 months or above for MBB?? Wow!!
*
Bro, it's the old GIA-i promo. Effective rates only 4.5% tongue.gif
Ramjade
post May 7 2016, 11:21 AM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(wil-i-am @ May 7 2016, 11:17 AM)
Just came back from Maybank. They offer FD promo:-
1st 2 mths - 3.75%
3rd mth - 4.50%
Effective - 4.00%
*
FD rates are decreasing day to day. shocking.gif rclxm9.gif
Ramjade
post May 7 2016, 02:03 PM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(screwedpeep @ May 7 2016, 01:42 PM)
same case with @kart and @ramjade. never managed to change the setting. tried both on GIA-i placed on the same day and old one.
*
Will try changing tomorrow and see if it works. Maybe they have updated the system already like what happen last time when I try closing m2savers via online (took me 3 months +) shakehead.gif
Ramjade
post May 8 2016, 08:13 AM

20k VIP Club
*********
All Stars
24,333 posts

Joined: Feb 2011


QUOTE(supersound @ May 8 2016, 03:42 AM)
Cons : rm1k need 3 months minimum, rm5k and above 1 month minimum, cannot uplift on the same day you place the eFD.
*
2months also can for rm1k min.

7 Pages « < 3 4 5 6 7 >Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0601sec    0.31    7 queries    GZIP Disabled
Time is now: 30th November 2025 - 08:54 AM