Just select add to principal. The rest leave it empty.

Put 5 years FD but you cannot add-on every year. Once put, money is locked up. Put and forget. After 5 years, remove and add it in again. Make sure to ask for promo rate

Another option is wait until have rm1k. Put into maybank eGIA-i. Select 2 months. After 1 month, uplift. Add your new rm500 to your rm1k + 1 month interest into a new eGIA-i. Do that until you have rm10k. Then go for promo rates. After 1 year, withdraw and look for promo rates.

Alternatively you could into EPF (max rm60k/year). Epf returns are higher than any FDs. You can add in every month. No need to run to the bank eveey year (can be done via online - not sure if cimb can do it) EPF is OT ya.

Keep in mind that FD cannot outrun inflation. However FD is the basic. Once have 6months - 1 year of salary in FD, dont put FD anymore. Go look for other stuff.

This post has been edited by Ramjade: Jun 5 2016, 12:32 PM

I am not very sure about self contribution but can try. No harm. Scared give you wrong answer. OT = off topic.
Ask ypur epf question in this thread.
https://forum.lowyat.net/topic/2705461

This post has been edited by Ramjade: Jun 5 2016, 12:58 PM

That's maybank GIA-i promo which give effective rate of 4.5% if hold for 12 months (ended already). The normal eGIA-i gives flat 4% even if you hold for 12 months. Up to you. If you are ok with losing 3 days of interest, then go ahead.

This post has been edited by Ramjade: Jun 6 2016, 10:40 AM

Edited with the word ended already.

You can even modified after placing. So no problem it before or aftrr placing.

Only bank with monthly interest credited should be Bank Rakyat and MBSB (both no PIDM protection). But there are additional T&C. Best to check with the banks.

1) No need. Since is not taxable. 2nd,
2) AFAIK, no limit (as it's not taxable)

Better put in maybank eGIA-i 4%p.a can select 1-3 months placement.

Yes. First time you will be presented with that page. Select option (a)

You will get 4%. 70% is the = 4%.

This post has been edited by Ramjade: Jun 10 2016, 11:40 AM

-edit -

This post has been edited by Ramjade: Jun 10 2016, 12:48 PM

-edit-

Yes. Upon uplifiting, interest will automatically be added to principal.

For one month you need min rm5k. For >2 months above, you just need rm1k. Just the amount required. No additional benefit. You can place for 60 months and just uplift after 1 month also no problem. I renew it manually by adding in the interest.

This post has been edited by Ramjade: Jun 10 2016, 01:09 PM

4.5% finish liao. Now flat rate 4%.

sandkoh, lowyat101 please edit my post. Thanks.

Yes. Keep it a secret. Later no more 4%

Here you go.
https://forum.lowyat.net/index.php?showtopi...post&p=80333681

Tell them you keep your interest, I keep my money.

They target those with big pockets or everyone? I have never been target before.

Since when? I terminated early at least 5x already, no penalty. Full 4% interest. Principal intact.

There's a eGIA-i.