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

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[Ancient]-XinG-
post Jun 5 2016, 09:25 PM

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QUOTE(bbgoat @ Jun 5 2016, 03:46 PM)
Hahaha, u just have to wait until the step-up time !  biggrin.gif
Have explained before.  tongue.gif They cannot adjust the system. They also do not want the extra work of doing it manually for the next 5 months. Now the branch has to manually do it for me. Bundle of people affected ! doh.gif
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Sorry. I total lost update with the gia already. What do you mean by doing manually. I tot is automated step up?
[Ancient]-XinG-
post Jun 9 2016, 06:05 PM

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QUOTE(bbgoat @ Jun 5 2016, 10:20 PM)
Supposed to be automatic step-up. But due to MBB issue, they used wrong code. So it became normal GIA-i of 4% monthly interest. They admitted this error and have to manually adjust the step-up interest. System unable to change already.  biggrin.gif
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owh. jialat liao. The brochure i throw already. I also lost track when suppose to be started to >4.0, I only remember last month is 6.0.

How you complain and ask them check? Since the system isn't tally also....

This post has been edited by [Ancient]-XinG-: Jun 9 2016, 06:05 PM
[Ancient]-XinG-
post Jun 28 2016, 05:36 PM

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bbgoat

regarding the 4.5% mbb gia which is last oct. I ask the teller to reconfirm to ensure the rate is stepped up. the branch manager call call call at behind don't know do what. And come out take the brochure which is ages ago. Show me the rate currently is at 4.0. I terus know liao, this branch filled with all stupid people. My placing is last OCT, how come still 4.0? should be at least at 7 or 8 months.

Then I say. Yea, now suppose to be stepped up rite because at 7 months. Then he jusy oh yea oh yea. correct . Ok yea. thanks. Just try to brush me off.

I am really like wtf moment there. Hope at the end of the day what I get is really 4.5%
[Ancient]-XinG-
post Jun 28 2016, 08:41 PM

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QUOTE(bbgoat @ Jun 28 2016, 06:48 PM)
Your placement in last Oct same as few of us here.

Did u check the monthly interest and on 7th month to 10th mth, should be 4.5% ?

For my case, last 2 mths they credit me manually the difference of 4.5% and 4%. I was lucky that I just called them without going to the branch to complain. Difficult parking in that branch.  biggrin.gif
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I go to the branch also useless. I can confirm they just act infront of me, they don't know what I meant either.


QUOTE(MNet @ Jun 28 2016, 07:37 PM)
I dont want to waste time calculate the interest.

At the end of tenure, I just check whether the interest that I get is 4.5% or not.

Let say RM10000, i should get RM 10450
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Sure sure. But in the end, who will take the trouble wait wait wait and wait, and they don't know shit about the old GIA.

QUOTE(bbgoat @ Jun 28 2016, 08:03 PM)
Sure u can do that ! But the earlier u complain may be better. In case everyone "forget" that there is ever an effective 4.5% GIA-i promotion. The interest is paid monthly.

The choice is yours anyway ! biggrin.gif
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QUOTE(MNet @ Jun 28 2016, 08:12 PM)
Dont worry.
The 4.5% pa is paper based.
Its indicated at the paper.
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If in the end really 4.0 and what you say "stated in the paper which not 4.5" they we are the dead meat. who is the winner?
[Ancient]-XinG-
post Jun 28 2016, 09:00 PM

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QUOTE(bbgoat @ Jun 28 2016, 08:45 PM)
U have confirmed that only getting the 4% for 7th and 8th month ? My branch acknowledged the issue over the phone when I complained. But that was after the officer in charge came back one week later.

I still think better to complain early, anyway mine is settled.  biggrin.gif
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don't know yet. can calculated via m2u rite? based on the reading
[Ancient]-XinG-
post Jul 15 2016, 06:46 AM

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Bbgoat. Our gia dump got affecerted or not. Because it's say not guaranteed 4.5
[Ancient]-XinG-
post Jul 15 2016, 04:40 PM

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QUOTE(bbgoat @ Jul 15 2016, 09:00 AM)
From the beginning, the MBB GIA-i has said return and principal NOT guaranteed. So it is up to them to adjust, I think.

Anyway I would not be bothered either way.  biggrin.gif
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QUOTE(TOMEI-R @ Jul 15 2016, 09:02 AM)
If gia rates are guaranteed... then might as well make it to be conventional fd. laugh.gif
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Lol ikr.. .

Sigh.. But it's ok la. Going to end also.current still 4.5. Wait for next month.
[Ancient]-XinG-
post Jul 20 2016, 04:43 PM

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QUOTE(michaelho @ Jul 20 2016, 03:21 PM)
MBB just called me and said there is this United Target Income Bond Fund (UTIBF) 7 ... guaranteed return 4.8pa for 3 years. Same like FD, he says but only catch is 3 years tenure. Sounds too good to be true. Apa catch?Sorry I am really noob in these bonds thingy
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Eh, I tot Maybank Constant Income Funds (MCIF), but this series 4 latest last year, 5.2pa, 3yrs also.

Urs is series 7 ad but diff name??

Your exposure is Asia + MY ? I guess they share same characteristic but diff portfolio.
[Ancient]-XinG-
post Aug 13 2016, 07:03 AM

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Damn it the unit trust thing. Many old people don't know shit about UT but the bank try to persuade them to buy by 8.18 word.

Which is absolutely unethic. Partial information that lead to loses sometimes.... Not only ambank I think. Others banks doing the same.
[Ancient]-XinG-
post Aug 17 2016, 05:12 PM

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QUOTE(bbgoat @ Aug 17 2016, 04:33 PM)
So steep reduction within 1 mth or so. Luckily I have moved out all GIA-i funds.  biggrin.gif
Move them to where kangaroo's are ...................... biggrin.gif
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the one matured in OCT?
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