It is real. What do u mean by real and valid ?

Good old times of 1 yr 4.5%, as "near" as in July, 3 mths ago !

Their last year T & C said OK. To be sure, confirm with them. May not be like eGIA-i where interest is calculated daily.

 MBB_GIA_i_Oct_2015.pdf ( 2.28mb ) Number of downloads: 42


This post has been edited by bbgoat: Oct 17 2016, 09:51 AM

The new 4.1% eff rate can place online ?

MBB eGIA-i (e for online) has only one rate 3.6% for all months. The rate has been changed like 3 times recently. New GIA promotion is step-up rate with one year eff rate of 4.1%.

Please correct me if I am wrong.

Ya, have missed the 4.5% from OCBC, SCB, AmBank (4.6% ), BR, MBSB. Last one being Affin placed in July, 3 mths ago.

This post has been edited by bbgoat: Oct 17 2016, 11:58 AM

I doubt it can be placed online. Only the online GIA with 3.6% one available. I may be wrong though.

I meant the promo is 12 mth 4.5% by Affin.

Edit: Saw it in the website of MBB Maybank2U, the step-up one. So need to explore further.

This post has been edited by bbgoat: Oct 17 2016, 06:34 PM

Should be board rate, no promo for OCBC 12 mth. Only promo as below:

OCBC
9 mth 3.8% Islamic
9 mth 3.75% Conventional

See first page.

I have their old GIA-i promo of 1 yr duration and 4.5% eff rate. Ended and all safe.

But for the new one, I am a bit skeptical. Not for the safety of the principal but on the interest.

As it is an investment portfolio, another possible scenario is may get less principal return instead of nothing. So not necessary related to total breakdown of bank. So could be 0.99X ?

Call up or go to Alliance Bank branch and talk to officer or BM on this 4.1% deal. Remember it has to be a large amt.

This post has been edited by bbgoat: Oct 20 2016, 08:36 PM

I mentioned before for 1M. What the BM said is 1M. But I guess some branch maybe lower. So with "large" amt, can always try. Alliance Bank, please note.

Who say I am interested in banks and PIDM ?

I have big chunk in BR which is neither.

I do have in MBSB but relatively small amt when they have the 4.5% last year Aug.

This post has been edited by bbgoat: Oct 21 2016, 07:45 PM

Yes ! Was talking to CIMB RM. Their retail bond with 5.8% yield is now only 4.8% if buy now, 250k but pay 260k for it.

So if can get 4.7% FD, who cares PIDM. My BR stake is already quite high there. Have small amt in MBSB for their 4.5% FD. But I did not go to them when they still have the 4.7% (or higher ?) say last year ?

Just sharing info on Alliance Bank. Someone comes out with remarks on why go for banks only.

Just ignore the info if 1M is out of question. Or that bank is not part of your FD plan due to distance etc. This info can be used by some uncle/aunties here !

This post has been edited by bbgoat: Oct 22 2016, 10:20 AM

Mthly interest is on "date" of placement.

Bro, I have not joined RHB PB. It is a member get member program. Please tie up with other forummer.

I have FD's in both PIDM and non PIDM banks. Still sleep soundly without worrying about any worst case scenario. Just have to spread out the dough. Cannot worry too much lah !

"Luckily" early Nov I will dispose of some matured FD. Don't have to worry of BNM's OPR cut, if there is one. Just hope Nov month 4% FD still around or will nego with banks to at least get 4%.

Haha, stickers, like what I did earlier !

U did not go for RHB due to the FD offer ?