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

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sandkoh
post Oct 26 2016, 01:35 PM

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QUOTE(cmk96 @ Oct 26 2016, 12:47 PM)
Just placed my GIA fd...  icon_rolleyes.gif
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gia-i is not fd. different product.
sandkoh
post Oct 26 2016, 01:59 PM

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QUOTE(lowyat101 @ Oct 26 2016, 11:11 AM)
Placed 10k for 12 months but not sure if it's qualified for the promo or not as it's not shown in the summary page  hmm.gif
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it was said last week the 12 month maybank gia-i promo met quota. no more 4.1% effective rate.
sandkoh
post Oct 28 2016, 06:08 PM

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QUOTE(wjchay @ Oct 28 2016, 10:57 AM)
I did maybank 2u online only, no more 12 months promo. Yesterday I did online 6 months, still could get 6months promo.
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QUOTE(lowya @ Oct 28 2016, 04:02 PM)
last i checked no more, went for 4.1% GIA instead.
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confusion!

maybank 12 month 4.1% gia-i and rhb 12 mth 4%, still got or no more? hmm.gif
sandkoh
post Oct 29 2016, 05:25 PM

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QUOTE(jayzshadower @ Oct 29 2016, 04:46 PM)
Anyone can explain the difference between non-campaign GIA-i vs campaign GIA-i ? I'm kinda confuse there.

Maybank2u GIA-i
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campaign gia-i rate is 12 month one. the one that finished this month effective rate 4.1%.
sandkoh
post Oct 31 2016, 12:52 PM

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QUOTE(okuribito @ Oct 31 2016, 12:15 PM)
FOMC meeting 1 & 2 nov. so only thursday will know, right? maybank told me to go back tomorrow to get nov gia promo. fingers crossed
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m'sia opr on nov 23. see if the fomc will affect our side.

QUOTE(wil-i-am @ Oct 31 2016, 12:15 PM)
The effective rate for 6 mths @ 3.90% is still better than current offer of 3.60%
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he said 4.1%, why u said 3.9%. current offer is 3.6%.
sandkoh
post Oct 31 2016, 07:27 PM

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QUOTE(wil-i-am @ Oct 31 2016, 07:19 PM)
The current promo for 6 mths is 3.9% -v- on going 3.6%
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oic. i missed out on the 6 mth 3.9%. tq.
sandkoh
post Oct 31 2016, 07:30 PM

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QUOTE(chrisoth80 @ Oct 31 2016, 06:21 PM)
I will let you know by tomorrow. hope still can get 4% from UOB
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6 digits can get 4%?
sandkoh
post Nov 3 2016, 10:34 PM

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QUOTE(drbone @ Nov 3 2016, 09:51 PM)
Seeing all the hassle, IMHO , for convenience sake, it's probably better to go with GIA 4.1% pa and the beauty is that at anytime if wanna withdraw, can still enjoy 3.6% . No need to wait for Tuesdays or scramble for 3 months promotion rates.
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downside is maybank could change the gia-i rate bila opr drops. it is not an fd.
sandkoh
post Nov 25 2016, 06:02 PM

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QUOTE(Deal Hunter @ Nov 25 2016, 02:50 PM)
Hope the paper OTC GIA FD will follow the brochure and advertisement screen for the final effective 4.10% this time. Previously, Maybank held on to the 4.5% stated in my case anyway. As at Monday 21 November, they still had the brochure for the 4.10% at my branch, although an old lady and myself queried as we were doubtful as already rumoured 12 months already closed and GIA rate going down. I placed one paper GIA earlier in first week of November when I found that they had not closed it yet, but no more money for 21 November.  tongue.gif 
In Mamamia case which is an eGIA online placement, your calculation is as expected as happened to my even earlier eGIA from June. The calculation is explained in page 97 of this forum thread, Deal Hunter @ Nov 20 2016, 01:35 PM in reply to Kamen Rider @ Nov 19 2016, 01:01 PM.
Andrew_1980 and those new/uncertain about Maybank online eGIA should take note of your calculation together with the explanation.
notworthy.gif
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sifu, are u saying the interest @mamamia received is correct? he suppose to receive 3.6% but got less than that? rclxub.gif rclxub.gif
sandkoh
post Nov 25 2016, 07:00 PM

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QUOTE(Deal Hunter @ Nov 25 2016, 06:25 PM)
This was what I wrote as likely to happen based on my experience with my Maybank eFD and his calculation appears to back it.
It is great that Mamamia monitors what he is getting and letting us know to confirm my previous suspicion/understanding. notworthy.gif  notworthy.gif

Is it correct? No I do not like it. bangwall.gif  bangwall.gif
But let us go on from here to see whether it is correct or another one of those program / setting problems that need adjustment as per bbgoat OTC GIA experience but translated to eGIA instead. Making mistakes is very much easier than doing the correct thing, so it is up to Maybank to clarify where things stand as to whether it is the bank's actual intention (correct) or it is a kind of mistake (wrong) and adjust if proper.  icon_question.gif  tongue.gif

Of course, I hope Maybank realises the need to honour whatever is promoted especially for the OTC GIA promo as funds are tied down on an expected interest at maturity. I have been told before by bank manager of another bank about actually adjusting down experience during discussion about Islamic products about the absolute reliability of income flow needed to sustain critical requirements.
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sifu, uncle goat's case unique. others receive correctly.

it is maybank's mistake, very likely. why & how, maybank only can answer.

QUOTE(starry @ Nov 25 2016, 06:36 PM)
Both my 12 month eGIA placements on 20 Oct 2016 got exactly 3.6% interest on 20 Nov 2016.
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this shows @mamamia's case got problem. he ought to ask maybank.
sandkoh
post Dec 7 2016, 05:26 PM

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QUOTE(chrisoth80 @ Dec 7 2016, 05:00 PM)
1st of all I din ask for this and my rm volunteer and did i ever say I have to rely on my parents

You are a really twisted fella. never saw shits flushing out from a person's brainz. this is my 1st I would say

anyway you can continue as long as it makes you and your brainiac happy and comfortable
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bro, just ignore him. some people comment without thinking/using head. br also will go to people's house for fd placement.

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