https://forum.lowyat.net/topic/4016823

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U got hlb saving acc?

Did u have eFD account b4?

If yes, do they ask u to select the eFD acc to be deposited?

Hi guys, the eGIA-i 3.58% u ppl mentioned..
is it login maybank2u then Go fd & mudarabah IA-> make a placement -> general investment account-i(GIA-I) -> select 1mth->
profit payment frequency:monthly
pfrofit payment mode: credit to account
instruction to maturity:auto renewal

i want monthly renew and every month interest will roll on,
i am right like this?
thanks

pretty much

Ya both conventional and islamic.

I think I dont have HL eFD (Mach's yes I have) before. This is first time.

what do you mean by "roll on"?

cclim2011 In future please use multi-quote for 2 or more posts at one go, to avoid from being considered spamming.

Please read this Forum's FAQ and adhere to it --> https://forum.lowyat.net/index.php?act=faq&article=10

No I am not spamming. But yes you can delete my post.

I agree with this, sometime when we use smartphone or tablet to reply, it's just inconvenience and TS simply assume we're spamming when we post more than 2 post. what a joke.

constructive comments are prone to report a.k.a spamming, please do take note on abusive report button being harassed.

This post has been edited by aromachong: Sep 4 2016, 11:11 AM

The interest I earned for GIA in August is about 3.646% which is lower than 3.75% as advertised on the website.

Just made eFD placement of HLB via FPX. Surprisingly, the interbank fund transfer via FPX is instant and no need to wait like the IBG. Most importantly, it did not incur any charges. Have anyone use the FPX with other banks ? Appreciate if can share with me some of your experience.

I was able to see the placement in my HLB Connect immediately after placement.

As for my earlier post about getting an SMS that placement failed, it has been clarified by PBB (from which I transferred funds) that it was because their login page failed to load properly the first time and I had to refresh it and key in login details. Thereafter, it proceeded normally. The placement went through and was successfully placed.

It does sound like your placement encountered some problems. Sorry to hear that

This post has been edited by Blue07: Sep 4 2016, 11:39 AM

The MBB GIA-i interest calculated daily. The 3.646% is due to the some of the days, it was 3.75% and some of the days it was 3.58%. You have to calculate to see it for yourself. Depends on placement date and the date when MBB changed from 3.75% to 3.58%.

mean the interest every month receive will not credit to my saving account,
i need it credit to my Gia acc to earn more interest

This post has been edited by sl3ge: Sep 4 2016, 11:45 AM

I re-calculate the interest rate based on the following;

Principal X interest rate /100 X 31/366.


If I calculate the daily interest based on rate of 3.75%, the total interest will marginally more than what has been credited to my account.

Profit rate fluctuates.

Profit rates 1/8 to 15/8 3.75%
Profit rates 16/8 to 31/8 3.58%

Calculate the interest based on when the GIA-i was placed.

See the dates below: