HLB 3 months FD promo at 4.2%pa better lah

a) how u do it? ask teller to give u cash when uplift and u use the same cash to deposit? this way may be consider fresh fund, but no do it so abvious lah
if u uplift the fd direct to SA, no considered fresh fund.

b) some bank practise full amount must be frsh fund, some no

Malaysia economy is slowing down, i  have mentioned before  Bank Negara needs to implement expansionary monetary policy by lowering the interest rate.  With ringgit strengthening recently, BNM will wait for a while to let the RM stabilise before lowering interest rate to stimulate the economy. The other uncertainty is who will replace Tan Sri Zeti, is the person as cautious as Zeti? OPR likely to move down in second half.