Maybank is patching up the loopholes, you still can enjoy any time withdrawal with full interest paid until 31 July 2017.
1st Augst onwards, game over.

Yes, I tested a 2 days placement and got 3.55%. Now the question is, 60 months placement made before 1st August 2017 can uplift prematurely after 1st August with full interest or not. From my understanding from the TnC, I think still can get full interest but that would be the very last premature upliftment with full interest paid for that placement.


You will get 3.55% even if you uplift after 2 days. (Before 1st August)

So after 1st August, if withdraw before maturity = no interest?
Meaning it works like conventional Maybank FD/EFD?

Yes. FD without PIDM.

Since my June salary is already out today, I will still park some fund there until 31st July before moving to FSM.

This post has been edited by fruitie: Jun 20 2017, 02:03 PM

Want to know if Tabung Haji is a good alternative to this. I found out, can easily deposit/withdraw via M2U.

What do you all think?

I avoid anything with tabung haji.
Reason: oneemdeebee

If want to put in tabung haji, better I put in ASB/ASB2 where there's no oneemdeebee involve

So what's the next best thing for short term high liquidity FD-like after GIA stop premature interest distribution?

Means maybank has not implement the revised rate of 3.0% yet?

In descending order (best to worse)
1. FSM CMF (3.4% but wait 2 days to withdraw)
2. OCBC 360 (easy to reach 2.9%)
3. Rhb bonus saver (need one year to get 2.65% but need to deposit RM500/month and make no withdrawal)

massive GIA withdrawal soon on last day of July, probably also RIP date of GIA.

Not sure if this makes into your priority list.

OCBC Smart SAver deposit RM1k get 2.8%

and 1 single withdrawal entitles you interest of 0.25% for that month

Ya i think it's better than the option no.3 from Ramjade

You mean every withdrawal once gets additional 0.25% cash back?

then if you need to put there for more than a month, not liquid enough and interest not attractive by that standard, might as well go for other avenues like FD, amanah saham or bonds

no, it means withdrawal will make your interest from 2.85% to 0.25%

I see and not that flexible ya.
OK, I stick to FSM.

ASNB fix fund provided units available for you to buy. So far yet to announce interest below 6% pa.

why TS not updating front page with this important info?

may i ask what is the rate for e-FD below 6months?

Nope as cklimm said every withdrawal will make your that month interest become 0.25% which is same as an ordinary savings account.
With RHB after you keep for 12 months (total of RM6k) if you happen to withdraw all out, interest will never fall back to starting level. It's still 2.65%

Macam itu I kaya loh.