Good job @Ah SiAng !

Hoping that at least FD promo can stay at 4% level !

Affin 4.05% pure FD fits in nicely for now.

The best I got is the AmBank 2 yrs 4.6%, Oct/Nov 2015. Never have luck with MBSB's 4.7%.

The longest I have with BR is 2 years 4.55% starting March 2016. Did not go for the 5 years one. BR 5 yrs board rate is now 4.3%.

With MBSB just the 18 mth one of 4.5%.

Probably need to allocate some 5 yrs eggs.

Last week I asked, was told no promo.

Add: Confirmed that to date, still no FD promo from BR.

This post has been edited by bbgoat: Aug 24 2016, 12:49 PM

Ya, the MBSB one was in Aug 2015. My first ever placement with MBSB. Now looking back, should have placed for their 5 yrs one. Anyway, history !

This post has been edited by bbgoat: Aug 24 2016, 10:32 PM

No regret. May see how things goes before deciding on 5 yrs. Have one 5 yrs FD with AmBank of 4.55% before they offered 2 yrs 4.6%, but small amt.

Anyway, I think good to spread out FD to 5 yrs, 3, 2 and 1 yrs tenure.

Already have spread out to 1,2,3 yrs tenure. 5 yrs one just one FD, need to allocate more. Kind of late now. Or it is never too late.

This post has been edited by bbgoat: Aug 25 2016, 10:55 AM

Hahaha, your post and my edited post clash with each other.

Thanks !

Not bad eFD rate. I tried and found only 15 banks listed. Some like CB not in there. So need to have fund in those banks linked to the FPX.

Bad times for those looking to gain from FD interests.

I do hope it ended like what u said.

Agreed. Not all banks can nego. BR can try on 50k onwards but 100k has better chance. Since they do not have promo now, they may require higher amt for nego rate. They do not have fixed amt for nego, change with times.

Bones, the elusive 5% will have to wait ................................

Don't drag me in, Ms. The one who has the kangaroo ride is the one.

Ya, I have ignored on PIDM. Except trying not to put too much eggs in one basket.

Ya, in multiple asset class and among them breakdown again by risk/return.

Hard to say. Depends on individual and the conditions. But definitely not all eggs in one basket.

So many negative sentiments on one bank. I have big stake there as well.

My big stake (to me only) is kacang putih to you and lots of other members here.

This post has been edited by bbgoat: Aug 31 2016, 08:52 AM