Luckily I moved out of FD. 

Wonder what will maybank eGIA-i be now.  Hopefully maintain. 

maybank gia dropped to 3.75℅

Have to specify upfront to BR if u want the monthly interest (if qualified) during placement. Of course u can go back to them to change it. 

now I'm a bit worried about maybank's exposure to 1MDB.

I got some under GIA which I believe is not PIDM protected.

BR is not involved with 1MDB, I hope.

During your placement, was it mentioned about monthly interest payment or they said not for this promo ? 

Money goes to 1MDB's pocket won't be disclosed. Even if MBB are bailing out 1MDB, they still need money for the bail out operation. So I doubt that GIA's dividend rate will be slashed down more. It may continue to be slashed after BNM decided to let banks to have lower reserves, just like the current OPR reduction. Another reason why governor changed are required in this bad time.

Maybank GIA is now 3.58%.

Apparently effective yesterday. Just receive news from the bank staffs.

And I went in to check Maybank website: http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts
And it states 3.58% now.

So steep reduction within 1 mth or so. Luckily I have moved out all GIA-i funds. 
Move them to where kangaroo's are ......................

FD just matured today!

Should I go for Affin Bank's 4.25% or wait for Merdeka promo?

But have to buy investment products, take loan, HP etc.

UT for u ? Cannot feed kangaroo lo .... Difficulty to manage it unless u want to leave it on auto run.
Luckily I made used of it for my temporary fund and got the benefits of 4% and 3.75% interest. Only left one 12 mth one.

Went and withdraw today. Hong Leong is offering 3.95% for 12 months, fresh funds.

well maybank changed the date period liao for gia

BR no promo for now, just board rates. 

Called HL, for the 3.95% FD, on maturity cannot terminate to SA, will auto renew.

Called Affin, for the 4.05% FD promo, on maturity, can opt to all go to SA. So decided to go to Affin. Save one trip to the bank on maturity. 

No, 4.05% pure FD. Only 4.15/4.25% has other requirements like debit card/ UT etc. Going there now.

If I am not mistaken, gia is not a guaranteed instrument, and your profit sharing return depends on the performance day to day....so when quoted return drops, your return will accordingly drop...