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

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Avangelice
post Aug 25 2016, 10:21 AM

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Time to park all my fds into unit trust by doing dca. 3.7 is sad
Avangelice
post Aug 25 2016, 12:31 PM

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QUOTE(wil-i-am @ Aug 25 2016, 11:47 AM)
U have shortlisted which fund?
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I got roughly around 30k to play with after it matures. I'm going to keep 10k as an emergency fund in a savings in case my dad gets sick. And 20k to be invested every month in

Manulife india.
RHB Asian income fund
Rhb total return fund (small percentage as it's a fix income)
Malaysian small cap.

Will wait it out if I can take up TA US.

It beats FD rate anyway
Avangelice
post Aug 25 2016, 12:37 PM

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QUOTE(wil-i-am @ Aug 25 2016, 12:34 PM)
B cautious on RHB TRF as 1 yr return is ard 3%
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Yeap exactly. I parked around 4k in there so it's already way too much for my comfort zone. I'll try to talk to any of the girls in maybank and ocbc if they can offer me a rate I'm comfortable with.
Avangelice
post Aug 25 2016, 01:12 PM

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QUOTE(wil-i-am @ Aug 25 2016, 12:41 PM)
Wat is yo expectation?
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See if I can weasle a 4.2. Last year one of the mbb girls offered me 4.5 eventho it was stated 4.2 last year
Avangelice
post Aug 25 2016, 03:45 PM

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QUOTE(arenax @ Aug 25 2016, 01:59 PM)
Can somebody tell me what is the best promotional rate for Maybank 3 months FD?

What is the rate for premature withdrawal?

Is there a step up promotion?

I asked their staff and they don't how how to explain.
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Have you tried calling them? Or visit maybank website
Avangelice
post Aug 25 2016, 10:33 PM

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QUOTE(wil-i-am @ Aug 25 2016, 06:36 PM)
Did u take up the offer @ 4.5%?
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No I didn't take the girls offer eventho she was sweet and all because I wanna be loyal my ocbc bank.
Avangelice
post Aug 25 2016, 11:05 PM

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QUOTE(arenax @ Aug 25 2016, 10:55 PM)
I've asked several people working in Maybank, all of them can't speak English and can't explain well.

I don't understand what is rollover and campaign rate and effective campaign rate. All these are meant to confuse the customers without giving concrete examples.
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Hey man try calling this number.

+60 3-7844 3696

Maybank number
Avangelice
post Sep 6 2016, 01:34 PM

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QUOTE(DuO LoN @ Sep 6 2016, 12:35 PM)
kinda hate all these "fresh funds" shit. means have to go diff bank to get promo and not current bank. wtf
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my banker taught me this. take our your fd upon maturing. bank into another bank and wait a few days and bank into the same back.
Avangelice
post Sep 6 2016, 01:47 PM

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QUOTE(Ramjade @ Sep 6 2016, 01:43 PM)
Just do it like below except instead of waiting a day, just use IBFT back.
Why wait few days? You can straight do it on the day itself. Waste few days interest. whistling.gif Learnt it from sifus. No banker tell me this. They told me not ethical. My foot not ethical. t's my money.  mad.gif  mad.gif
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lol when we do it isn't ethical when we say it's my money and I do what I want with it. Rasimah buys a huge diamond ring from her savings and everyone loses their minds.

double standard.

I was being sarcastic BTW. lol

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