I already click request TAC, but it said the TAC is unsuccessful, need to wait. I dont know what happen.

nothing is free. it embedded into their cost hence u get a lower FD rate

Any chances BNM will increase the OPR instead ?

More analyst saying OPR maintain for now. Good news for now. 

Including rocket inflation rate as Ringgit stump 

The worst one is the USD gain vs RM for those that need USD !  Will OPR increase early next year or as some said BNM to reduce it in 1Q 2017 ? 

faster than the highest FD rates in the bank

For those who are already there, just have to stick it out !   

OPR wise, still have to see how it goes from now till Trump goes into office and beyond ................

can always ask mr. G online
2014 was 0.04% / 0.08% depending conventional or islamic.

I think HSBC gets it wrong this time. It is not like got strong big reserves, high strengthening currency value and inflows - so start talking strong fundamentals and can cut down.

Nomura 21 Dec note on 50 basis point SRR reduction also being questioned by Royal Bank of Scotland as follows:-

The Royal Bank of Scotland (RBS) cautioned against an SRR cut on Wednesday. It said loan growth averaging 5.9% over the first three quarters against overall deposit growth of 0.2% "sets up conditions for a liquidity squeeze".

So what is it about. All the money consumed? Hidden in black economy? Sent out of country somehow? Spent on imported food etc? Or all money already tied up and nothing much left to deposit except debts? People get too smart and try other get rich quick schemes/scams to beat inflation and low unattractive FD rates?

If there is a liquidity squeeze, the promotion offer rates from banks should go up - never mind the OPR or SRR or the currency exchange rates.

So what and who do you want to believe and act on? It's your money.

I think the damage to the economy from low rate is bad and the correct thing to do is to raise the rate. If I have a few millions in USD parked overseas, I certainly won't mind if the ringgit weakens further. Otherwise I cannot really see any thing happening that supports the idea that low rate is beneficial. So, the trouble is whether we have kangkung economists/analysts or people with some sense and really check what is happening and willing to do something positive about it.

in 1998 it was 12% at one time

i don't think the FD at those days can lock for 20 years...

Sure if u follow the right sifu... I have been constantly enjoying....

there are few groups of sifu here:

1. who will sells you something first (IB, courses, PAMM etc) before teach u

2. sifu that guarantee you a fix profit regular income that you should run away hearing that.

3. sifu without track records but still love to share his greatness, but when asked further will not share/reveal more.

4. sifu with impressive track record but with tiny account and big pride

5. sifu that share only some insights but no time/motivation to teach.

everyone can be sifu here in forum in the end just like how everyone call everyone boss in msia.

Do you know which sifu you have?

I have not seen a real sifu in forex in Malaysia yet, if you have a real one you are lucky.

next month will have new campaign
stay tuned