Forget 4.5%.They don't exist anymore. The new high is 4.0-4.1%

Alright thanks. If min rm1k and can be done online, I don't mind moving some eGIA-i there.

No such thing. I just uplifted yesterday and still get interest. Check your account. Sometimes it's added (check your balance before uplifiting and see if got changes). Also sometimes it's added together with the prinicipal hence you don't see it. Easy to miss those rmx.xx if you don't look carefully.

Some say cc foc, so just apply for cc. Also their account is also foc

Imagine if all banks decrease this or next month promo in anticipation of BNM OPR cut.

Fp can be ASW2020, ASM, AS1M. Either one.

I suspect if there's another opr cut, unker goat will join me in amanah saham by moving money out from FD and park there. After all where can you find a stuff like FD (liquid type + prinicpal "protected" by buying and selling at Rm1 with "known returns" every year)

Is that right bbgoat? Are you planning to move out some money from FD if matured and park in 3 of the amanah saham if OPR cut some more?

2 don't need cc.
3 need to spend rm500. Not worth it if you are going for CB.

Nice. Increase 0.02% although it won't make much of a difference to me.

Thanks for the calculation. Maybank eGIA-i better deal.

This post has been edited by Ramjade: Sep 20 2016, 06:58 PM

That is amazing.

The eGIA-i interest changes monthly. So the amount you get won't be fix.

Close m2u savers and migrate to eGIA-i. Yup. Can be applied via m2u. I already close my m2u savers ling time ago.

Go to M2Savers, there's a option on the bottom right where you can click to close. Last time took about 3 months just to close the account because maybank website have some bugs which they didn't fix.
For placing eGIA-i, open your account > Fixed Deposits & Mudarabah IA > Make a placement > Select General Investment Account-i > Answer the "license agreement" for first placement only- make sure to select the one where principal and returns are not protected > Continue/Next.

Hope that helps.

Being sentimental doesn't earn you higher returns. If one is sentimental, can just lock in FD at lowest board rate banks.

For those who want to earn >4%. A little fight to see who's the best.
Below is Maybank eGIA-i (save RM2k) + Maybank Ikhwan card (spending of RM1k/month) vs OCBC 360 full 4.1%(save RM2k) + any OCBC CC (spending of RM1k/month)

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The reason for no CB is OCBC CB is particularly zero.

This post has been edited by Ramjade: Sep 23 2016, 01:56 AM

Wow. That's the highest so far.

Kena blind by 4.25%

Min amount?

Nope. Effective rate only 3.88%. There are banks offering 4%

RM5000 x 0.036 x 30/366