Matured in Feb 2016.

It was a 9 mth FD placed in HL MACH with 4% rate.

Have to ask Mr Kim, The Man with 1M Cert, the M dollar question.

This post has been edited by bbgoat: Oct 25 2016, 09:47 AM

Maybank still using the old forms. So u can either try to use up your stock there or quickly "donate" to them.

Today got 5 figures for ASM & ASW combined. Cannot get anything for AS1M, not even 1k (came down from 10k, 5k, 3k,.....).

I think it depends on branch or instructions from HQ etc. Affin Penang has used the new form as soon as it came out. Maybe they did not keep much old form.

This post has been edited by bbgoat: Oct 25 2016, 08:17 PM

That was in Penang. You better check with the MBB branch that u are using, maybe should just give to them if they wanted it.

I got all 3 FP acct from Affin on the same day, single try !

Got 5 figures of ASW today. First try got it !

Only 10k exactly, 5 figures ! Hahaha !

Could have got more I think. Just carried 10k cash. Was surprised to hit it in first try.

Got it in CIMB.

That CIMB branch I went twice. First time got 25k, today 10k. But today max 10k as I carried cash 10k.

I think it depends on the branch and the personnel involved.

This post has been edited by bbgoat: Oct 27 2016, 09:50 PM

The titles belongs to other uncles and aunties in FD and this thread.

This post has been edited by bbgoat: Oct 27 2016, 10:44 PM

No way. My target is near now. Will stop soon. There is at least one uncle and auntie who are definitely more than me ! And there are indeed some others known or unknown who have put in more than me !! As I have mentioned, I will still put in more into FD than ASX.

Finished remnants from Oct FD so no more top up's until end of next week. But small amt allocated to FP only. Still cannot escape from FD's fate. From 4.35% matured FD to hopefully 4% or higher next week.

This post has been edited by bbgoat: Oct 28 2016, 09:13 AM

If lock less in FD, then more to FP funds.

Have wanted to buy some retail bonds, but looks like not this round. May change allocation for FP.

This post has been edited by bbgoat: Oct 28 2016, 01:17 PM

Limited dough, no dough now !

It is not up to me !

Next year, no more hunt unless got inspiration from Auntie and revised my target.

But if start again next year, because of u, less chances for me.

This is what I have been saying based on my 1 mth experience. Other than early morning, time of the day (random days) do not play any part in getting units. It depends on when and what, amt that someone is selling which we do not know at time of buying.

Agreed. I don't think the system restricts the number of times in the same day/time.

I am satisfied with 4%. For u with FSM and other active UT/shares/retail bonds, sure looking at way more than 4%.

I have set ratio of FD/KWSP/UT/stocks for my portfolio. UT include FP inside there which some of u disagree. Hahaha !

This post has been edited by bbgoat: Oct 29 2016, 09:28 AM

Are u talking about SGX ?

There is always risk vs return in this world. Please enlighten me.

This post has been edited by bbgoat: Oct 29 2016, 12:01 PM

Sifu in action !

No actions from me, maybe end of next week only. But small amt.

This post has been edited by bbgoat: Oct 29 2016, 12:01 PM

I think it depends on individual. What one thinks to be acceptable risk may not be for another person. Also depends on knowledge, invested time etc.

Depends on amt in ones portfolio as well, age, personality (haha) etc. Well, enough said !

This post has been edited by bbgoat: Oct 29 2016, 12:32 PM

I also has IRR of 9.5% since year 2000 for PM funds. But stagnant for last 2 years.

I won't put all dough into UT, no matter how safe it appears !