Hlb fd 3.95 not apply on Mach? I get error code 2112 when I hit apply fd promotion

As at last visit on 23 August, UOB had promo from 1 August to 30 September 2016 at 10 k minimum fresh fund, 7 mths at 3.85% and 12 mths at 3.95%.

Hlb 3.95 is a gd deal... gonna surrender all mbb gia ans put into Hlb before end of this month...

Keep in mind that its not flexible like maybank eGIA-i. So if you withdraw before maturity, don't expect to get full interest.

Yup, this's what I'm worry about.. worry might need cash suddenly.. but.if missed this hlb promo then gia mostly will "dropped" again.

Love the flexibility of gia, but the interest keep cutting

You don't need to keep all rm10k inside eGIA-i. Just keep what you need. For me, I keep 2 months worth of monthly usage in there. Rest I dump into amanah saham.
Just just my suggestion. Rather than let it sit in SA where it don't eaen anything, better let it sit in eGIA-i earning 3.58%.

Btw instead of HLB, better to pick RHB. It's 4%

Man I feel cheap now. We ise to laugh at 4% saying it's low. Now 4% is the new high.

This post has been edited by Ramjade: Sep 3 2016, 08:24 AM

Y u placed with HL as Maybank GIA-i offer 3.58% with flexibility to withdraw anytime?

Any good amanah saham (i aint bumi) for me to learn? Mind to share link or some bank info for me?

Just new to "saving" concept, used to "gambling" in stock market + genting... getting old and afraid of gonna be "broke" in the future.

Lucky I got enrolled the Maybank efd promotion before, 4.31 p.a... never expected the interest rate would be so much lower now.

This post has been edited by heavensea: Sep 3 2016, 08:36 AM

Seems like very grateful to see "4" at this moment.
Except RHB offering 4%, Affin is 4.05%, Bangkok Bank is 4.1%

During my last visit to Affin, staff informed that the 4.05 is very popular, quota may finish soon

Is this GIA 3.58 guarantee one? What is the minimum guarantee interest rate?

unless he/she dun fil secure with gia i.

RHB got 4%, i didn;t see this in their web site, are you sure?

no guarantee. drop from 4, 3.75, 3.58% now. may drop again.

Remember, I don't do FDs anymore except eGIA-i. Just remembering the times when I scoff at 4% will only accept anything above 4.2% those days. Like what one person said putting in FD = watching your money being eaten alive (inflation)

As long as they publish the rate, that's what you are getting but may change from month to month. However is stil higher than any SA/1-2 months eFD and it require min amount of ammo i.e RM1k only unlike other FDs which need RM10k. RM1k is easily obtained by most people.

thats a decent rate for savings account

not guarantee even for the principal amount

So rhb still offer 4% fd promo now?

Ok. Thanks for the info

Atm, yes

For now, yes