Do you have any idea when this promo will end?

4.5 is the best as of now. Fixed rate rather than those step up promos.

You will need to look for that special branch offering 4.5%

BR

FD promo by Affin Bank
T&C http://www.affinbank.com.my/AFFINBANK/medi...nza-TNC-ENG.pdf

I think this would be the better deal. 

Affin promo, PJ new town branch is included as well.

rhb, ocbc, uob lur...will try other banks other days coz i work mon-fri lei

why you guys busy searching for affin? I got 4.25% interest on top of 4.25% interest from KFH FD, i ended up with rm 400+ pocket money, which is interest's interest

You put BIG amount into KFH like really big. They give you the interest upfront. If interest >= RM10k, you can put the given interest into any of those promo rates FD yo boost your effective rates.

Mownink guys! 

New Bank Rakyat FD promo starting in July 2016;
12 month - 4.38%
Min - RM 5k!

pls call 0326173800 for any enquiries.. hav a nic day

He just lo suo way of saying that if your maturity date fall on public holiday or weekend you can get 'extra' interest when you withdraw on exactly the next working day (hence Monday). Some banks at promo rate, some at board rate, some don't give (AFAIK).

Of course, if you're 'holding' your money for a few days to wait for that special day you also lose money on interest for those days, so go count if its worth la.

hi guys

im very new with finance so would like to ask some noob questions.

whats the best ratio to put into FD from all your wealth?

lets say you have 1m of cash. how much are you guys putting it into FD. 50%? 30%?

of course considering your risk profile and everything, but just wanted to know the average ratio for people here in lowyat.

cheers!

Today uplifted all  my MBB GIA FDs prematuredly, IBFT to BR for its promo FD 4.38% pa x 12month, monthly interest.

and got a pen, not bad.

Hi, thnk you.
I was told bank rakyat, BSN FD is not protected under PIDM. Maybe this is the only concern.
Thk you.

Guys, when will the FD rate start to pick up again? I have s few that will mature soon.. aiyo

yes,...I think the chances of it going down is more than going up too...
my bets is
42.5% stays
35.0% down
22.5% up
on the next meeting

Hey everyone,

I have a CIMB savings accout, but I wanna take up Maybank's current 4.25% p.a. FD offer. It says that there that the rate is only applicable if the funds are deposited over the counter. Does that mean that I have to actually carry RM10k worth of money with me over to a Maybank branch? Sounds a bit crazy.

I don't think there is need to "micro-manage" on FD too much.

If the sum is substantial, a few RM won't bother much for them generally.
If the sum is not substantial, a few cents won't make much a different.

Sometimes for convenience sake, we need to give and take.
Time and conveniences sometimes is more precious than spending too much time and effort just for "micro managing" on something.

If IBFT limit is 50K, and you have 100K, just perform IBFT/Giro in next day if exceeding the daily limit, first 50K deposit today, another 50k tomorrow, or just get a banker cheque or personal cheque, with cost of Rm0.53+0.15, a merely RM0.68 cents solve all the hassle, instead want to get many account that enable one to send IBFT/Giro with 100K.

"Conveniences" may save one even more.

Just a quick update, running to airport. Going to be back in a week's time.

Yesterday went to Affin to place the 4.5% 12 mths. Lots of people (mainly Chinese !) there ! Confirmed that it is still limited to selected branch. So Penang island just the Light Street and Bayan Baru branch. Quota 500 mil.

Hopefully next week still available when I am back !

Good luck and next week hopefully can get better promo ! 

Promo from Al Rajhi Bank