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Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only
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David3700
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Nov 16 2016, 02:27 PM
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QUOTE(Chrono-Trigger @ Nov 16 2016, 01:50 PM) Affin bank (special CNY promo: 14/11/16 - 28/2/17) minimum 20K fresh fund package 1: 4.2% (2 months 3.58%+ 15 months 4.28%) package 2: 4.15% (4 months 3.68%+ 15 months 4.28%) package 3: 4.17% (6 months 3.88% + 15 months 4.28%) I didn't ask the details , just stopped by Affin to withdraw some cash and came upon the promotion FD rate seems uptrend, got insider information BNM will not cut OPR ?
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David3700
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Nov 17 2016, 11:25 PM
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QUOTE(wil-i-am @ Nov 17 2016, 10:53 PM) Rec'd new updates from my CIMB RM today They just launched a new Bond paper:- Issuer - CIMB Group Holdings Bhd (MYR bond) Rating - A1 (RAM) Coupon - 4.90% to 5.10% Call date - 5 years Indicative price - 101 Min invt - RM250k I am new to bond. What is the advantages as compared to FD ?
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David3700
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Nov 21 2016, 04:26 PM
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QUOTE(nexona88 @ Nov 21 2016, 04:22 PM) no wonder Bank Rakyat FD rate is higher than PIDM protected FD  Any chances BNM will increase the OPR instead ?
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David3700
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Nov 21 2016, 04:36 PM
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QUOTE(nexona88 @ Nov 21 2016, 04:34 PM) yeah good news.. previously was expecting another cut.. but since Trump wins, everything changes  Including rocket inflation rate as Ringgit stump
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David3700
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Nov 21 2016, 04:48 PM
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QUOTE(bbgoat @ Nov 21 2016, 04:44 PM) The worst one is the USD gain vs RM for those that need USD !  Will OPR increase early next year or as some said BNM to reduce it in 1Q 2017 ?  I think the Gabenor also dunno the answer himself
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David3700
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Nov 22 2016, 05:15 PM
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QUOTE(wil-i-am @ Nov 22 2016, 04:37 PM) I tot some Ppl here keep stressing tat BNM will cut rate tis week n keep advised forumers to lock in gud rate?  This is the trend nowadays, full of uncertainties. .... I went to insurance company today, they have stop giving illustration on projected returns since March this year. This post has been edited by David3700: Nov 22 2016, 05:17 PM
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David3700
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Nov 23 2016, 02:11 PM
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QUOTE(Kamen Rider @ Nov 23 2016, 02:06 PM) yeah, that time should lock in a 20 years of FD by now we have multiple $$$  That time a lot of ppl went broke woh....
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David3700
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Nov 23 2016, 02:58 PM
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QUOTE(chrisoth80 @ Nov 23 2016, 02:48 PM) I also want the interest to up up and up. I want to achieve my dream of going to Iceland, Sweden, Denmark, Finland next year... That's a good place to visit ! Sammo Hung, please give good news on going north, north, north.... This post has been edited by David3700: Nov 23 2016, 02:59 PM
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David3700
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Nov 23 2016, 03:23 PM
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QUOTE(wil-i-am @ Nov 23 2016, 03:20 PM) It's ok lah....better than going south  Will we see more FD promos coming up..... This post has been edited by David3700: Nov 23 2016, 03:25 PM
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David3700
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Nov 23 2016, 04:21 PM
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QUOTE(kochin @ Nov 23 2016, 04:18 PM) only 29th november left to capitalise on 4.15% 6 months. but if missed it, 4% at 6 months ain't too bad as well. Should have plenty of choices coming up after BNM maintain the OPR
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David3700
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Nov 30 2016, 02:56 PM
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QUOTE(jiash87 @ Nov 30 2016, 01:52 PM) UOB just sms-ed me stating that this Saturday 3/12/16 ( 10am - 2pm ), promo FD rates of up to 4%PA ( 12months ). Minimum 10k fresh funds just sharing  Which branch ?
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David3700
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Dec 7 2016, 10:21 PM
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QUOTE(bee993 @ Dec 7 2016, 10:01 PM) Juz check my ocbc 4.5 matured this 30 dec.lol .by then hl promo finish d. You can always go to Affin, promo until CNY
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David3700
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Dec 8 2016, 11:49 AM
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QUOTE(kochin @ Dec 8 2016, 10:57 AM) does the amount needs to match for both FD package? or is it a step up program? You have to match 1:1
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David3700
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Dec 9 2016, 12:07 PM
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QUOTE(bbgoat @ Dec 9 2016, 10:05 AM) Serious ! During placement, I got itchy hand. One of the placement I chose Islamic FD placement, that one die not receive the monthly interest. I checked, it showed "credit to principal" for interest.  Not sure if Islamic FD do not have the monthly interest option or I did not choose the option correctly. The Conventional FD received the monthly interest. Is yours Islamic FD placement ?  I think "Interest Add On to Principal" means getting interest upon maturity only.
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David3700
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Dec 9 2016, 06:40 PM
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QUOTE(kenlui @ Dec 9 2016, 01:39 PM) Went to RHB seremban just now and enquired about the 4% 6 months promo and was told not available. Staff manning the counter showed me a board with thenso called latest rate which of course was board rate. Told him I wanted promo rate and he asked where I heard it from instead. Insisted that board rate is the latest. I walked out immediately, ur loss RHB. Gonna go with the 15+6 affin promo. Better go Affin Package 1 with effective interest of 4.20% pa. Useless RHB staff
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