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 Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only

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wil-i-am
post Oct 12 2016, 04:37 PM

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QUOTE(harmonics3 @ Oct 12 2016, 12:54 PM)
longer tenure lower rates, does that mean CIMB expects the OPR to go lower?
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Most likely
wil-i-am
post Oct 12 2016, 06:37 PM

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QUOTE(cklimm @ Oct 12 2016, 05:38 PM)
1. Not everyone won the genetic lottery to be entitled for ASB subscription
2. ASM, AS1M, ASW2020 subscription for non bumi are hard to get.
3. Other unit trusts, are subjected to volatility, you may loose your money during tough time.
4. FD is the only one has the following traits: safe, easy to apply, acceptable return
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Plus ASM/AS1M/ASW is not capital guarantee
wil-i-am
post Oct 13 2016, 09:35 AM

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QUOTE(cklimm @ Oct 12 2016, 08:30 PM)
I never seen their price move at all though
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Due to ASNB have fixed the buying n selling price @ RM1/unit
wil-i-am
post Oct 13 2016, 11:59 PM

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QUOTE(munkeyflo @ Oct 13 2016, 04:30 PM)
Just received.
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Wat is d min sum n can perform via online?
wil-i-am
post Oct 14 2016, 11:52 AM

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QUOTE(munkeyflo @ Oct 14 2016, 11:16 AM)
Min sum should usually be at least RM10k.

I'm not sure if it's available online or not. We will know on Monday smile.gif
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The effective rate of 4.10% for 12 mths is attractive n competitive
Not sure whether the step-up rate is subject to OPR changes or not
wil-i-am
post Oct 14 2016, 12:00 PM

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QUOTE(sandkoh @ Oct 14 2016, 11:58 AM)
at mercy of maybank since capital and interest not guaranteed.
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I foresee the response shld b gud since no Banks offer 4.10% atm
wil-i-am
post Oct 14 2016, 12:20 PM

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QUOTE(wodenus @ Oct 14 2016, 12:09 PM)
It's not guaranteed so that's just a target rate.. tongue.gif
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Based on the earlier launch, they honoured the stated rate until now
Thus, I presume they shld follow the printed rate
wil-i-am
post Oct 14 2016, 12:56 PM

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QUOTE(sandkoh @ Oct 14 2016, 12:50 PM)
doubt is still there. egia-i has changed 3 times? so gia can change. clause is there, even principal not guaranteed.
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I'm not concern on principal cause Maybank won't fail me
Instead, I'm keen to know whether they will vary the rate much if compare between actual n printed returns
wil-i-am
post Oct 14 2016, 02:28 PM

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QUOTE(lowya @ Oct 14 2016, 01:41 PM)
IF withdraw say 10k at counter, and deposit 11k FD, would it consider as fresh fund?
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If in different timing (min 1 hour gap), I presume Yes
wil-i-am
post Oct 14 2016, 05:04 PM

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New Maybank GIA-i campaign is out as per their website
wil-i-am
post Oct 14 2016, 06:26 PM

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QUOTE(heavensea @ Oct 14 2016, 06:12 PM)
Hi sir, didn't found anything in their website.

mind to share the link? tq
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They have removed dy


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wil-i-am
post Oct 14 2016, 06:38 PM

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QUOTE(heavensea @ Oct 14 2016, 06:34 PM)
wah 5.8 drool.gif

removed = technical mistake?
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Nope as everything is correct n confirm
I presume they upload for testing ony
wil-i-am
post Oct 14 2016, 07:07 PM

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QUOTE(heavensea @ Oct 14 2016, 06:48 PM)
thanks for sharing, 5.8% is so high thumbup.gif

is it the same as gia we put and received interest rate for monthly basis?

gonna surrender my FD and park in GIA if the 5.8 p.a. is truth icon_idea.gif
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5.80% is step up rate
Overall effective rate is 4.10%
wil-i-am
post Oct 14 2016, 11:00 PM

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QUOTE(Ancient-XinG- @ Oct 14 2016, 08:46 PM)
Yup. The 4.5 is back.
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Tat 1 was the old promo
wil-i-am
post Oct 14 2016, 11:22 PM

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The correct returns for new Maybank GIA-i is 4.10% (effective rate)
wil-i-am
post Oct 14 2016, 11:30 PM

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General Investment Account-i (GIA-i) Campaign

Higher indicative returns with Maybank Islamic General Investment Account-i (GIA-i) Campaign.

With minimum placement of RM10,000 for Individual and RM 25,000 for SME/BB in a single receipt, earn higher indicative effective profit rates of 4.10% p.a for GIA-i 12 months campaign and 3.90% for GIA-i 6 months campaign. What's more? Get your dividends paid monthly with Maybank Islamic General Investment Account-i.

The offered profit rates for the campaign may be revised should there be an Overnight Policy Rate (OPR) revision by Central Bank of Malaysia, in view of the assets repricing following the OPR revision. This is an investment account that is tied to the performance of the underlying assets. For more information please refer to the Product Disclosure Sheet. All returns/rates are indicative. Not covered by PIDM and the capital is not guaranteed.

Campaign Period: From 16 Oct 2016 till 15 Feb 2017



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wil-i-am
post Oct 15 2016, 08:02 AM

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QUOTE(Ancient-XinG- @ Oct 15 2016, 06:44 AM)
this is true. the site mmg lol the 4.5 still there but Campaign Period: From 1st Oct 2015 to 15th Jan 2016

hahahahah
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They shld removed the old promo as tis is very misleading
wil-i-am
post Oct 15 2016, 01:36 PM

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QUOTE(bbgoat @ Oct 15 2016, 08:10 AM)
Got a lot of people fooled.  devil.gif
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Rule of thumb : If it's too gud to b true, read twice n spend time to digest
wil-i-am
post Oct 15 2016, 01:38 PM

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T&C for new Maybank GIA-i wef 16/10/2016


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Attached File  GIA_12_months_and_6_months_Campaign_Terms_and_Conditions_FINAL.pdf ( 341.31k ) Number of downloads: 155
wil-i-am
post Oct 16 2016, 11:39 AM

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QUOTE(lowya @ Oct 15 2016, 06:01 PM)
is the 4.1% GIA real and valid?
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Of coz it's real n valid as the source is fr their website
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