at last a decent efd
3.95%p.a by HLB
https://www.hlb.com.my/main/promotion/20160...e-fixed-deposit

So for 3.99% p.a. for 1 year, the EIR is actually 7.29% p.a. So this is actually obviously higher than your FD. So no, please don’t take the personal loan to place in FD.

the new klibor cimb fund.
sold out dy. only rm40mil allocation.

is it must do 1 transaction for 1 eFD? i notice got 30k limit each time transfer to eFD

Want to place hong leong efd
So i go to open hong leong basiac saving account but get rejected by branch saying that account require employment letter for payroll or for low income people.

they say this is their bank policy. I dun think bank can do such thing, right?

After my insist asking to check further, they said will make a call to their office to confrm and leave my phone number there.

Maybe i need to try other branch.

am i reading it right...

the ads on left and right of this page of LYN says HLB 12 months 4% for new funds, ends 31 Oct?

Are there any charges for FPX transfer for HLB 4% eFD?

Edit: http://www.maybank2u.com.my/mbb_info/m2u/p...-Accounts#72596

According to FAQ No 7:
7. Are there any charges when using this service?
You may be charged a flat rate or a percentage of your total transaction amount.

after reading this , not so attractive ...4.1% for 12 months ..... why not just go straight forward for conventional 4.1% from the banks that offered ....

unless end of 12 months, the return could hit 4.5% and above then it will be different story... any thought on this ...

thanks...

excellent point.

i start to speculate if BNM may be forced to raise OPR instead given the exchange rates now.

Which means that the worst scenario is not getting any profit but our initial investment will not be affected?

me a kicimiao only. anybody can apply for rhb premier banking for a min 200k in deposit and I'm very glad that i have a very helpful rm who will help me to settle most of my banking matters