gia, so principal & interest not guaranteed?

how much they offer? 

hlb got 4% now!! I guess many bank revised to 4 again

The right side banner here is the HLB 4% promo have to transfer in from another bank via FPX to be eligible

Haha, stickers, like what I did earlier ! 

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

Ya, I think better go for the rate instead of RHB's PB member get member campaign. For me I have met the requirement just need to apply and recommend family members to enjoy the RM388. 

Good deal
'Whats the minimum amount.

GiA involves investment, it is even riskier than non PIDM FD.
Not so serious to say a bank will go bankrupt. But in the case of major recession, the bank will honour FD first b4 GiA.

That's why within MBB, there is a difference in FD rate and GiA rate.
More risk, more gain.
Don't you all think so ??

GiA is a separate product which is not comparable to conventional FD.

GIA-i is not an ordinary "investment"

GIA-i is a islamic banking version of deposit that similar to conventional FD.

Islamic banking concept is profit sharing and non-guaranteed.
That's why in islamic deposit, interest rate term is not used, but profit sharing.
While islamic banking itself doesn't have guaranteed feature, and that's why it is not PIDM guaranteed.

Yup. I would not take the risk for the extra 0.1% gain.
Prefer to have fixed interest for a fixed period of time which is known upon placement
Would rather to go for bond fund if willing to take higher risk.

Nevertheless, thanks CHERROY for posting the pros and cons of GiA.

Oh my bad.. i saw the print screen on one forumer placing that stated tempoh 2 mths.. But the 1 is hidden inside.. so is 12 mths.. Haha