Woot! so fast new thread yet again! Time flies man!!
my CIMB 3-mth is almost matured, time to see any good deals, or remain with the chuka idako

can specifically request for banker's cheque. (may not be cheap depending how you negotiate)
Go to your homebrach, and transfer out via any transfering methods.

Yes, can negotiate. But you need to have X amount for them to consider these "special rates"
some may need rates more than 30k. some need 100k... so yeah

Putting short term to reach festival promotion by maturity HEHEHE lol

Nah, even hypothetically if there's 10mil, the rates for 12-mth is still lower than say 1-mth or 3-mth's rate. Unless, big big is like >50mil

Depending of the amount you are going to place in FD too. Generally banks can negotiate on the interest rates, and it can go at most up to 0.3-0.5 percent. Only subject to HQ's approval. Any approval by the Branch Manager can give you no more than what HQ can give, but still better than normal OTC rates

Banks I've tried are Alliance, HSBC, CIMB and PBB

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It really depends how desperate they need funds.
Ok for PBB they can be very pick, so probably 500k or more. But for CIMB i walked in like a hobo, and talked to their BR, I gave a small figure of maybe 25-50k as an example, back in July she can give the max which was at 4.2 for 3-mth tenures... generally different branches would have their "target" performance to keep up on par with other branches (like sort of an internal mini competition on which would be the best performing branch). so yeah.

WAAA. such exclusivity for maxisone users lol.... that's a first i've seen... good deal i've seen so far for now!.

Yeah i got this too hahaha I think islamic one is higher because they wanted to reach their targer lol

Trump's official song
http://youtu.be/oOAfz0H4f00
Hahaha

Waaaa dun la like that, we all also wan to know ma. See, sharing is caring here We all big big family wan.
So how do i sign up?

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My Sifu very powerful wan! He's such an inspiration, very good track record, sell, I beg to differ lor in all your points you stated because He does all of it without your negativity mentioned! Let me list down his achievements!
1. He sells you GST before teaching you.
2. He Guarantees fix profit like EPF
3. WIthout track records, but achieved the best financer title
4. Damn impressive track record but tiny account because that 2.6b really doesn't exist.
5. He shows what he did for us is good for us, but how, we don't know also.

I respect MY [P]rivate [M]oney!

Ok I just woke up from a nap, i've absolutely no clue what the hell i'm writing AHHAHAHAHA.

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I think Mamasos was referring to 3-mth period. Since if [I'm assuming that you're talking about short period], CIMB Conventional FD gives 3.9%, and the Islamic FD (FRIA-i) gives you 4.05% for 3-mth. Both 1-mth and 6-mth are lower than the 3-mth's %. This is subject to approval from their HQ, which most of the time they approve I think.

Double posted# sorry

This post has been edited by VinceCheong: Nov 24 2016, 04:08 PM

Preferred ma heheheh. But they still have to do it internally for their own filing purposes. hahah the nittygritty stuffs that doesn't concern us lol.
Cause I saw their "memo/or whatever their own internal circulation" documents with a sort of Matrix of what and whom can approve a given % rate up to. hehe
Just locked mine too for this week for 3-mths

Nope, I also never receive anything to match whichever.
What was the rate that they yried to match the next bank?

As what Cookie mentioned. But I'm assuming you're doing it off the counter. GIRO/IBG/IBFT/RENTAS (all within 1 business working day process).
I did rentas for about 5.30 plus 6% i think, can't recall. nominal amount. But if you're doing all online, just instant transfer it, and done. lol
Bankers cheque also should be 5-6 bucks too.. but it takes like 2 days float to clear... or take out cash lol

Once you've opt'ed for auto-renewal, and let's say if you're on a promo rate or a negotiated rate, once it has matured, it will go back to the current prevailing board rate. Unless you've informed them or negotiated with a new promotional rate.

Other than GIA, if it's a deposit, some banks offers services where, for example, you put an FD for 100k, you can break them into 1k blocks and take them out. IE, CIMB's 'un-fix' deposit allows you to do so.