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

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lowdensity
post Jul 13 2016, 01:46 PM

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QUOTE(valencia25 @ Jul 13 2016, 11:32 AM)
hey guys biggrin.gif
BR xclusive staff just told me, they hav a gift for new FD transaction..!

300k - Gold Coin
100k - trolley bag / parker Pen
10k - vacuum flask
5k - Roller pen
*only at BR xcluisve centre HQ  drool.gif

» Click to show Spoiler - click again to hide... «
How much does the gold coin worth?
lowdensity
post Jul 13 2016, 01:48 PM

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MBB offers 6+6 at average of 4.25%
lowdensity
post Jul 13 2016, 02:31 PM

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QUOTE(Ramjade @ Jul 13 2016, 01:54 PM)
Most likely gold plated.
*
... sounds like can't be resell for a value.
lowdensity
post Jul 13 2016, 02:37 PM

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QUOTE(cybpsych @ Jul 13 2016, 01:54 PM)
post 2
*
Great for the updated info.
lowdensity
post Jul 13 2016, 07:43 PM

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QUOTE(tryifelsecatch @ Jul 13 2016, 03:50 PM)
quick question, does the PIDM protection thing works base on bank or on certain FD program?
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As far I know as long as the FD is issued by Bank (Conventional or Islamic) the FD is protected by PIDM . If the FD is issued by Investment uniy then it is not protected where banker will notify before you subscribe.

But PIDM, if I'm not mistaken, only insured up to 200k per account or per individual (this I'm not sure).
lowdensity
post Jul 14 2016, 12:46 AM

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QUOTE(tryifelsecatch @ Jul 13 2016, 11:11 PM)
so even if a bank is ahli PIDM, some of the FD package offered is not protected by PIDM right?
for example MBB General Investment Account-i (GIA-i)
there is this clause stated  - "* Not covered by PIDM. Principal is not guaranteed"
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MBB GIA is belonging to Investment Unit so not covered PIDM.
lowdensity
post Jul 14 2016, 08:28 AM

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QUOTE(TSOM @ Jul 14 2016, 06:21 AM)
since it's an investment unit, then why the return is capped at 4%?? hmm.gif

why don't they cancel the promise of 4% and instead give more than 4% whenever possible??

side question: is that ASB covered by PIDM??
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FD with Investment linked partly goes to "fluctuate" Investment which is based on their Investment portfolio at the end of year. No promises will be given .
lowdensity
post Jul 14 2016, 10:33 AM

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Another round of promotion will be happening at Oct till Dec (my thought) to meet their sale quota.
lowdensity
post Jul 14 2016, 03:09 PM

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QUOTE(5p3ak @ Jul 14 2016, 10:40 AM)
Syukur my funds at BSN 5% have still yet to mature. laugh.gif
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this must be staff rate ya.
lowdensity
post Jul 18 2016, 03:18 PM

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QUOTE(legendgod @ Jul 18 2016, 02:31 PM)
I want to open new FD for rm20k. thinking of affin bank but need to make new acc as im only maybank  holder.
anyone can advice for better option than affin? or just fd in maybank less hassle
cant decide
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Assuming you could earn monthly interest at these rates:

4.25% RM70.83
4.00% RM66.67 (Difference RM4.16)
3.90% RM65.00 (Difference RM5.83)
3.75% RM62.50 (Difference RM8.33)

Decide yourself which is best for you - Time, Distance, Worthy, etc..
lowdensity
post Jul 18 2016, 11:21 PM

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QUOTE(Pinnacle1295 @ Jul 18 2016, 11:16 PM)
Fresh funds means either CASH or Banker's Cheque from other bank. For eg, tomorrow I have HL Mach FD maturing so that amount is not consider as fresh fund.
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some bank can assume any as fresh fund ....
lowdensity
post Jul 19 2016, 09:49 AM

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QUOTE(Pinnacle1295 @ Jul 18 2016, 11:25 PM)
Any specific banks in particular? I would be interested to know.
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QUOTE(TOMEI-R @ Jul 19 2016, 09:16 AM)
Whichever bank you go to, if they really require you to putnin fresh funds, just withdraw transfer your money out and transfer it back in. Trust me, the banks cant do shit about it.
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Best answer.
lowdensity
post Jul 19 2016, 11:33 AM

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QUOTE(Vio @ Jul 19 2016, 11:07 AM)
i tried applying through online but when checked the rates its only 3.25%p.a
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walk-in case.
lowdensity
post Jul 25 2016, 02:22 PM

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QUOTE(munkeyflo @ Jul 25 2016, 11:22 AM)
Just received this today.

Maybank FD promotion for July - Aug 2016:
--------------------------------------------
1) 3 mths- 3.65% ( Fresh Fund)
    3 mths - 3.50% (Non Fresh Fund)

2) 6 mths- 3.85% ( Fresh Fund)
    6 mths- 3.65% (Non Fresh Fund)

3) GIA- 3.75% interest calculate on daily.
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bagus.
25/jul - 26-aug
lowdensity
post Jul 29 2016, 01:55 PM

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QUOTE(cocolala @ Jul 29 2016, 01:32 PM)
Hi guys, would like to check, I was told HL Islamic 4.15% need to open account RM200, and after maturity I still need to have RM200 in the account to maintain it. Is that right?
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Islamic saving account and FD are two different accounts.

Normal saving account, usually, does need to maintain not less than RM10.
lowdensity
post Aug 1 2016, 11:16 AM

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Visited HLB this morning, 4.15 6 months is still available.
lowdensity
post Aug 1 2016, 12:52 PM

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Latest info from HLB.
Today is last day for 4.15 (fresh fund, Islamic)
lowdensity
post Aug 1 2016, 02:22 PM

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QUOTE(kianwee @ Aug 1 2016, 02:03 PM)
Only can place at branch and not online?
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walk-in only.
lowdensity
post Aug 2 2016, 08:05 PM

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QUOTE(yuunasue @ Aug 2 2016, 06:15 PM)
I really don't understand this .
As I know I put fd 10k
Casa 2500.

Interests 4.13 pa base on 10k,  any outcome lower ?
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QUOTE(cklimm @ Aug 2 2016, 07:37 PM)
it means that, you tied up 12.5k in casa and FD, but only the 10k in FD earning 4.15%, the 2.5k is earning savings acc interest?

Masih tak faham? Just go ahead, practical experience teaches best
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i believe this is marketing scheme.

if total to place is 12,500
- 10k gets 4.15%
- 2.5k gets saving acc interest 0.35%
then the average rate is only 3.39%

sendiri decide should go for it or not.
lowdensity
post Aug 8 2016, 11:50 AM

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Asked HLB this morning

3.95% 12 months fresh fund min. 10k
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