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 Fixed Deposit Rates In Malaysia V. No.13, Strictly for FD Discussion Only

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cklimm
post Jul 4 2016, 11:04 AM

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QUOTE(Seager @ Jul 4 2016, 10:53 AM)
Hi guys, I'm back smile.gif

I have some savings up to RM10k now, and would like further feedback and if anyone has experience to share with regards to Maybank's PNA-i plan: http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts

I have a few questions:
1. Is the interest on a monthly basis?
2. Can I deposit an additional RM1000 monthly based on my own will, or is this compulsory?
3. Any further comments and advice?

Thank you
*
1.This one, you put you instantly get your interest,
2.but if you withdraw before due date, they will deduct your principal,
3.the rate sucks, there are 4% FD around the town, see page 1
cklimm
post Jul 4 2016, 06:06 PM

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QUOTE(mamamia @ Jul 4 2016, 02:56 PM)
Checked, only selected branch

AMBANK FD PROMO till October:
6 months 4.25%, earmark 5% of your FD amount at saving account for 6 months
Minimum fresh fund RM10000
So, u need to earmark RM500 at saving for 10k FD placement for 6 months.
*
if the 5% placed into true savers (1.8%), effective rate will be 4.21% p.a whistling.gif
cklimm
post Jul 5 2016, 08:13 PM

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QUOTE(poor man @ Jul 5 2016, 07:01 PM)
Exclusive RinggitPlus Free Dyson Fan With RHB Premier Banking

RHB CASA at an RHB Branch with a minimum deposit of
RM200,000 (two hundred thousand Ringgit) and a minimum CASA hold period of 6 months;

T&C https://media.ringgitplus.com/creatives/b7a...-conditions.pdf
*
The best RHB casa makes you 2.75%p.a, generic 6 months promo FD makes you +-4.15%p.a.

with RM200k capital, RHB MaxCash acc makes you RM 2750 in 6 month; while 6 month promo FD makes RM4150.

Therefore, you are forgoing RM1400 for a cool fan, it better worth it.
cklimm
post Jul 6 2016, 07:54 AM

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QUOTE(wil-i-am @ Jul 6 2016, 12:37 AM)
Promo from Al Rajhi Bank
*
we need more useful post like this, 4.4%pa ayam kambing! lust.gif
cklimm
post Jul 6 2016, 10:41 AM

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QUOTE(ikanbilis @ Jul 6 2016, 10:09 AM)
Thanks poor man for showing us the BEST deal from KFH! notworthy.gif

Effective rate for 12 month up to 4.54%.!! rclxms.gif

If you got the early bird gift, then you returns up to 4.66% pa!!!  rclxm9.gif
*
great, forget bout al rajhi then
cklimm
post Jul 11 2016, 10:04 AM

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QUOTE(guy3288 @ Jul 10 2016, 10:55 PM)
frens,

wanna ask those who have placed the KFH FD promotion 12m @4.35%
with upfront interest:

Do you get the upfront interest same day you place the FD or must go back another day?

Do u need open Savings account?

Quite a hassle as i have closed my SA previously. and troublesome go back again just to take the interest.
*
i got my interest a few days later, into KFH savings account.
It worth the trouble
cklimm
post Jul 11 2016, 05:11 PM

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QUOTE(guy3288 @ Jul 11 2016, 02:34 PM)
thanks, but now is a bit too late for the early bird gifts.
+ i wanna skip that opening new SA with KFH and go back second round,
so i ended up with BR again and got another parker pen today.
small amount takpa,lose not much .
*
considering there's only 3 working days from 4th july till 11 jul(today), you have decent chances.
Not all Malaysians can fork out 50k at any time
cklimm
post Jul 13 2016, 05:45 PM

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Now I begin to worried with my Maybank step ups:
*Should there be an Overnight Policy Rate change, the offer rates may be revised.
cklimm
post Jul 13 2016, 11:06 PM

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QUOTE(Human Nature @ Jul 13 2016, 11:02 PM)
Anyone recall what was the average 12m FD promo rate when the OPR was 3%?
*
Attached Image

Time flies
cklimm
post Jul 14 2016, 07:52 AM

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QUOTE(nexona88 @ Jul 13 2016, 11:26 PM)
wah below 4% huh?  bangwall.gif
*
QUOTE(David3700 @ Jul 14 2016, 05:34 AM)
So sad. ....
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Attached Image

Behold: promo rate in 2009 *archive*


http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

http://www.maybank2u.com.my/WebBank/fd2171109B_tnc.pdf
cklimm
post Jul 14 2016, 10:28 AM

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QUOTE(tarc2000 @ Jul 14 2016, 10:01 AM)
UOB Butterworth. 12 Month 3.2%. But I get a Special Rate: 3.95% at today (14/07/2016)
*
thats important: Banks start making below 4% promos
cklimm
post Jul 15 2016, 09:51 PM

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QUOTE(poor man @ Jul 15 2016, 09:10 PM)
Bank Muamalat Malaysia Berhad (“Bank Muamalat”) is organizing an FTA-i Short-Term Campaign from 15th May 2016 till 14th August 2016.
3 mth - 3.98% min 3k
3 mth - 4.01% min 1juta
T&C http://www.muamalat.com.my/downloads/Wang_...r_3_English.pdf
4.01 for 3 months? thats a decent rate
cklimm
post Jul 16 2016, 02:22 PM

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QUOTE(wil-i-am @ Jul 16 2016, 12:43 PM)
Was informed by Maybank BM tat they could offer FD promo by tis mth (tbc)
*
Replacing the previous 4.25% promo?
cklimm
post Jul 17 2016, 07:30 AM

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QUOTE(cybpsych @ Jul 17 2016, 07:20 AM)
maybank gia dropped to 3.75℅
*
thats an important info shocking.gif
cklimm
post Jul 17 2016, 11:44 AM

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QUOTE(guy3288 @ Jul 17 2016, 10:33 AM)

placement before 16.7.16 will still get 4%.
new GIA from yesterday will get 3.75%.
*
now it makes me wonder: should i uplift my 4% parked money there?
cklimm
post Jul 17 2016, 01:55 PM

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wow guys,
Maybank is releasing a factsheet for GIA, which makes this fund which looks like a FD indeed looks like a fund.

http://www.maybank2u.com.my/WebBank/IA_Fun...e_TF_2016Q1.pdf
cklimm
post Jul 17 2016, 08:55 PM

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QUOTE(Andrew_1980 @ Jul 17 2016, 08:51 PM)
GIA offer 4% but I'm late laugh.gif

But I'm curious, let says I put 5000 for 1 month, so I get 3.75% return 187.50? or how much will I get?
*
The 3.75% is per annum,
which means that your 187.50 has to divided by 12
cklimm
post Jul 20 2016, 12:15 PM

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QUOTE(FDInvestor @ Jul 20 2016, 11:59 AM)
Have anyone loss the principal amount by investing in GIA-i ? In the product disclosure sheet, it stated that the customers will borne the loss if the fund does not perform as expected.
*
oh yes, some of us here are 0.25% poorer than expected since the opr changes
cklimm
post Jul 23 2016, 10:46 PM

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QUOTE(nexona88 @ Jul 23 2016, 10:19 PM)
heard they did give out some loans. not sure how much  hmm.gif  hmm.gif
*
The question is: Who doesnt?
cklimm
post Jul 25 2016, 07:35 AM

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Folks, behold the lowest board rate,
proudly presented by UOB:
Attached Image

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