The BSN 4.5% for 12 months have no other clause right? My CIMB Unfixed Deposit maturing soon.

I agree that is why I said everyone has own comfort zone. If it is blanked out, means it is not intended for public viewing, then others should not keep guessing and getting OT.

I agree that is why I said everyone has own comfort zone. If it is blanked out, means it is not intended for public viewing, then others should not keep guessing and getting OT.

withdrawal as per placement.

Thanks. Do you mean Am bank true saver?

Deposit rm240k, interest earned upfront = rm10,200

Re-deposit the interest 10200 and earn another interest rm433

Total interest earned : 10200 + 433 = 10633

10633 / 240000 x 100 = 4.43%

The iPod made its way home! Combined with RM 645 interest, this RM180 iPod effectively boosted the profit rate to 5.5%. Min 15k for this promo
They cut, we leave. They will increase rate when they run out of $

Placed with MBB RM250k for 9 mths @ 4.23% yday, immediate interest RM7,9xx. Placed that in their 12 mth @ 4.31%. If you average out each FD per month, I'm looking at 4.36% per annum.

RM250k x 4.23% @ 9 mths = RM7,931.00 / 9 mths = RM881.20
RM7,9xx x 4.31% @ 12 mths = RM344.00 / 12 mths = RM28.50

RM881.20 +  RM28.50 = RM909 x 12 mths = RM10,918 / RM250,000 = 4.367%

I know, it's messed up. But what the heck. Of course that only works if you don't touch the FD interest and immediately placed it into FD again. Do note, minimum placement for eFD campaign is RM10k, so I top up to make that amount. But I used actual returns from the 9 mth promo as calculation for accuracy of percentage.

Updated: for casa account, no need any percentage to deposit into it.

read back his original post first 

is it ok to break 100k into 10 x 10k FD placements? so that if need to premature withdraw, no need lose too much?

It makes no difference even if you staggered it as per your suggestion. The interest rate will still be the same. Besides, eFD is simple, even if it is 10 of them. You're not doing it over the counter and he has some measure of ensuring he has money in the event he constantly needs it.

It makes no difference as I've said. With RM10k x 10 placements, he can withdraw any amount he wants at any time. If he needs RM30k, he withdraws 3 FDs and still remain RM70k which will still net him the eFD campaign rates.

Small staggered amounts are more for people who anticipate they may need that sum soon.

If you have RM30k , will you split it in multiple FD account in different bank or put in 1 FD account ?

Hong Leong  (Senior)  Savers Flexi Fixed Deposit Promotion (“FD Promotion”)
19 May 2016 and ends on 30 June 2016,
6 mth 4.3% min rm10k
T&C https://www.hlb.com.my/main/assets/files/pr...ings-tnc-en.pdf

sorry, I am not familiar with FD, want to ask noob question
normally interest will get by end of the tenure or we can get every month?