Actually affin can get 4.15% open BSA/ as another person suggested just apply for affin cc (affin cc is foc)

So right. Next OPR reduce, more people will cry as FD rates become more pathetic.

This post has been edited by Ramjade: Aug 13 2016, 09:51 AM

FD low risk money is safe.
Casino high risk u lost money

i use pure fd for comparison purpose.

Affin 4.05 / 4.15
Bangkok Bank 4.1

I had 2 pieces Fd placed for HLB 4.25% & 4.15% last July before the promo ended.
Last week, finally decided to uplift both and re routed it back to dividend stocks and reits last week. It's better to let them hibernate there than the low FD returns esp with the anticipation of lower OPR.

This post has been edited by twinkle5129: Aug 13 2016, 11:01 AM

not an issue as long as it is within your acceptable return and risk.

If based on board rate, the spread is wider
If based on promo rate, the spread is narrow

Hi, can anyone confirm if interest for Affin bank 4.15% is credited monthly into savings account?
Thanks.

Mine 4.15% interest is given upon maturity.

Yeah, but still lower. Flexi loans so can dump in and take out anytime.

Still have two FDs at 4.5% and 4.6% maturing by the end of the year. Probably dump into loans too.

Actually now the rate still not that bad yet. If there is another OPR drop later in the year, then the FD promo rate will be even lower.

Not 100% correct

Still remember those days in 2009-10? Even 3% promo was celebrated like god sent.


To my portfolio, yes

Can u pm d name to me as I'm keen
Thanks

This is one of the banks that do not usually give monthly interest on FD. Affin depends on being at or near top of board rates to attract FD depositors. Will be happy if they change their policy with regards giving monthly interest for FD promos. Specifically, there is NO monthly interest payment for the 4.15% FD package 2 promo I placed with them.

This post has been edited by Deal Hunter: Aug 13 2016, 05:26 PM

Those were the days of really low FD rates when OPR at 2% region !!

I lost my faith in bond fund (last time convinced by RM). Though believe some may outperform. PM me please.

This post has been edited by bbgoat: Aug 13 2016, 05:42 PM

The market back then during 2009 and 2010 was pretty bad I would say. Maybe we are too used to the good times and right now, the market is slowing down and people cant/ dont want to accept it.

B4 it turns bad, better lock-in now to avoid disappointment

Bonds fund performs better?

I doubt about it. already lost faith towards it

Thank you very much for the replies

Just to confirm for 4.15% FD package 2, debit card fee is RM20?