Received Condotti 20" trolley bag from AmBank for FD placement on Nov 2015:




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Send SMS to join the BR's contest ?

So far for Islamic FD, TD-i, I did not encounter this issue from BR, HL, KFH, MBB etc. Still same maturity day/date to withdraw FD.

Only problem is with CIMB eFD which can only terminate one day after maturity date. But someone mentioned that this was rectified recently.

This post has been edited by bbgoat: Feb 26 2016, 08:29 PM

So far, I found different banks using different days for calculation for monthly inteerst:

Using 366 days: AmBank, CIMB

Still using 365 days: BR, HL

MBB wise need to confirm again as some doubts earlier.

This post has been edited by bbgoat: Mar 1 2016, 08:38 AM

Exact to the dot. Except MBB, thats why not too sure.

Now planning for some actions tomorrow. Looking at RHB or BR if no new promotions.

This post has been edited by bbgoat: Mar 1 2016, 10:26 AM

Called up OCBC PB centre to speak to leng lui on their FD promo.
15 mth 4.3%, 9 mth 4.15%, min 10k fresh fund until 30/4. Leng lui said for existing fund, just top up 10k will do.

Called HL. No more 4.5% promo. New one just 3 mth 4.2%, fresh fund, min 10k.

So looks like still RHB or BR for me. BSN wise some concern as expressed by others.

Oh, likely to add in to KWSP.

This post has been edited by bbgoat: Mar 1 2016, 11:02 AM

Called UOB PB centre:

5 mth 4.05%, 10 mth 4.18%, min 10k, till end March

promo rates going down .....................

This post has been edited by bbgoat: Mar 1 2016, 11:30 AM

Some people just do not know to keep their mouth shut. Advice not needed.

Ya, some people thinks they knows all. Tried to advice everybody.

I have already said much earlier that I may go for KWSP, RHB or BR.

Ya, no 12 mth promo from UOB based on what I heard. Only 5 and 10 mth FD promo.

So OCBC beating UOB with their 4.3% 12 mth FD. Even MBSB advertising at lower FD promo rates in the newspaper.

Trend seems to be lower FD promo rates. Big Bones will be disappointed.

This post has been edited by bbgoat: Mar 1 2016, 02:50 PM

Good !

Please add in more info as time passes !

Tomorrow plan to withdraw OCBC FD. Then KWSP self contribution max amt. Rest goes to RHB 4.45% 12 mth.

Also has SCB 4.25% mature later this month. Will move to BR for 2 yrs 4.55%. Unless better promo comes up.

Need to emulate successful people with 7 figure FD in 1 cert.

Wow, you guys really active today. So many posts since this morning !

In OCBC to terminate FD. The leng lui in the PB center said can top up 10k and enjoy the 4.3% 15 mth FD promo. But prefer to move out the fund. Penang OCBC PB center has so many leng lui standing to serve customers. Not many customers this morning and got into the free parking of the PB center. Nightmare finding a parking in that area !

Anyway found out the BC's cheque info received earlier was wrong. Which shows that within the same branch the staff may give different info ! Confirmed that for OCBC BC, it is now RM0.53 if fund is from FD. Which means last time say 2 years ago it was free. But if BC is from SA, then it is RM2.80. Rentas is RM5.30. IBG for PB is free.

Did Rentas my fund. Then placed in RHB for 12 mth 4.45%.

This post has been edited by bbgoat: Mar 2 2016, 07:02 PM

Did CIMB issued new FD cert/slip which showed 4.2% rate ?

This post has been edited by bbgoat: Mar 3 2016, 11:50 AM

Should complain on this. Better to get new FD cert/slip when renewed at "special" rate. Like BR agreed to give me 12 mth 4.5% for expired FD, they print out new cert for me.

Since friends, then can call up and complain also. Haha.

Anyway can move out and get better rates of OCBC 4.3%, RHB 4.45%.

This post has been edited by bbgoat: Mar 3 2016, 12:27 PM

I used it to tell the bank if I want the FD to be conventional or Islamic, for the same FD promotion. So at least the so called PIDM protection is up to RM500k per entity in that bank.

True ! Agreed.

If that person is putting money in FD, then he/she should be particular about 3.45% or 4.55%. BIG difference in terms of interest for BIG amounts. Saying that person don't care of the interest, well then he should not be putting the money in FD.

For me, sometimes I renew FD at lower rate than the best rate elsewhere, if the amount is small, no point to move around to gain RM10.

People being people are very different in their behaviour. Who said our Captain not chasing for high FD ? Why did he has the blog on FD ?

I know of someone in Penang in construction business, having multiple wifes who drove Proton Wira himself. I asked him why, he said no point driving expensive car. His company is in the KLSE main board, he is the CEO !

Anyway, we all perceive returns from FD differently.

Ya, he said he can get previous promo rate at UOB (ended prior month) through his RM. He is also looking for high FD rate. I have mentioned on MBB some special promo sometime ago and he went to ask for it also (unless my memory fails me, he also mentioned that in his blog).

PB status is not of much use, some privileges but also kachao from the RM's. Experience with PB of UOB, CB, SCB, OCBC, BR, HL, MBB, CIMB etc. Invite for wine tasting, cinema screening, makan makan, hampers, gifts, ............................

This post has been edited by bbgoat: Mar 4 2016, 07:00 PM

Checked MBB Gia-i, still getting exactly 4% return. They are using 366 days as a base.

Hard to say the amt involved, different from person to person. BUT to me, yes, eggs are important. But how about the wise guy saying: "Money cannot buy happiness" ? There is truth in that. Staying happy is more important to me, of course other than having the eggs.