You should have lock more in ambank 4.6% or maybe previous mbsb 5 years.

This post has been edited by Ramjade: Jul 14 2016, 09:26 AM

Well you did say you need to spread out the eggs. Don't put all eggs in one basket.

That's what I do the last time too. :thumbsup:

This post has been edited by Ramjade: Jul 14 2016, 09:53 AM

Excellent. more people will go into debts. Like boiling a frog. FD rates will drop. People won't keep so much money in the bank. Banks will be squeezed tight.

This post has been edited by Ramjade: Jul 14 2016, 10:01 AM

Thank you. That's what I want to know.

With lower rates compare to the rates now.

That's the sad fact.

Affin bank stop all promo upon news that OPR wikl be reduced.
So those looking to lock, can lock in KFH while it's still there.

Gold coin is gold plated. No resale value. Just for decoration.

I think all banks are offering board rates now until they decide to come out with a new promo.
So did you put?

Most likely yes. We don't know yet. For now, maybank website no change.

Board rates ma.

Chinaman bank

Of course la sell. Boost your effective rates. If want gold plated coin, might as well buy online. Very cheap and nice looking if get from China.

KFH unless they decide to terminate today.

Rates will drop. I can assure you new promo rates will not be as high as KFH. So is your choice. The boat is waiting for you. If it's me, I will lock into KFH. But then again, I no longer do FDs. I am in the process of withdrawing out all my FDs. So low FD interest does not bother me.
If you are locking, better hope they don't end the promo today

Good to know. Will keep that in mind
For me, any gifts + FD which can be sold (to boost effective rates and make it better than other bank rates), I will be their customer. Decoration bleh. If real gold coin take la.

This post has been edited by Ramjade: Jul 14 2016, 12:34 PM

Priority customer la. Min rm300k.
http://www.bankrakyat.com.my/rakyat-xclusive

Wow. Imagine what a decrease of 0.25% does. But then again this was before Basel III.

https://en.wikipedia.org/wiki/Basel_III

So what's the new maybank eGIA-i interest?

Deposit into CASA will effectively reduce the effective interest rate earned. Not worth it. Better to go for pure FD.

This is FD + you need to keep 20% of the amount you put in FD into CASA.

Not sure. But main point is you will not get the 4.38%. You will get lesser.

Better rates exist at KFH, BR

Bangkok bank, BR, KFH.