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

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FDInvestor
post Sep 1 2016, 04:51 PM

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QUOTE(areankim @ Sep 1 2016, 04:35 PM)
full already HLB. my friend just told me... grrrrr
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Still can make the placement ? So fast meh vmad.gif

FDInvestor
post Sep 4 2016, 11:33 AM

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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.

FDInvestor
post Sep 4 2016, 11:34 AM

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QUOTE(FDInvestor @ Sep 4 2016, 11:33 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 you can share with me some of your experience.
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FDInvestor
post Sep 4 2016, 11:51 AM

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QUOTE(bbgoat @ Sep 4 2016, 11:42 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%.
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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.



FDInvestor
post Sep 4 2016, 12:41 PM

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QUOTE(bbgoat @ Sep 4 2016, 12:24 PM)
Calculate the interest based on when the GIA-i was placed.

See the dates below:
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Thanks for the informative reply. I did not aware of 2nd revision of the rate .Haiz from 4.00% to 3.75% and from 3.75% to 3.58% sad.gif
FDInvestor
post Sep 11 2016, 12:30 PM

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QUOTE(howszat @ Sep 11 2016, 11:03 AM)
Edit. Doesn't look like RHB 4% can be done online.

Does HLB allow opening multiple tenures in one FPX transaction? Anyone tried it?
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HLB EFD online banner has been removed from the website. Suspect the promo has ended.
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