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Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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sendohz
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 Jun 22 2017, 01:43 PM
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QUOTE(Ramjade @ Jun 22 2017, 01:16 PM) 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.  Well i thought it's the same since you mentioned no withdrawal. Therefore i compared it with Smart Savers when there is no withdrawal the interest rate will be 2.8 compared to 2.65% |
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tonytyk
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Jun 22 2017, 10:33 PM
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QUOTE(Ramjade @ Jun 21 2017, 05:29 PM) 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) Another option is Phillip Master Money Market fund via eunittrust (3.49%, fund credited by afternoon same day to maybank account if redeem before 930am) This post has been edited by tonytyk: Jun 22 2017, 10:33 PM |
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Nemozai
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Jun 22 2017, 10:51 PM
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Getting Started
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QUOTE(tonytyk @ Jun 22 2017, 10:33 PM) Another option is Phillip Master Money Market fund via eunittrust (3.49%, fund credited by afternoon same day to maybank account if redeem before 930am) RHB CMF 2 need T+2 to get money if sell. But this Philip money market funds is T+0 ? Can anyone confirm this? |
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Ramjade
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Jun 22 2017, 10:53 PM
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QUOTE(tonytyk @ Jun 22 2017, 10:33 PM) Another option is Phillip Master Money Market fund via eunittrust (3.49%, fund credited by afternoon same day to maybank account if redeem before 930am) No. Not on my list. Even morningstar list the retun as in th 1.6% region. I don't know where they come up with 3.49% That's very poor return. http://my.morningstar.com/ap/quicktake/ret...tab=TotalReturnEven their site list returns in the 2.x% https://www.eunittrust.com.my/toolbox/fund_...sp?fcode=001100This post has been edited by Ramjade: Jun 22 2017, 10:56 PM |
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tonytyk
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Jun 23 2017, 07:18 AM
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QUOTE(Ramjade @ Jun 22 2017, 10:53 PM) No. Not on my list. Even morningstar list the retun as in th 1.6% region. I don't know where they come up with 3.49% That's very poor return. http://my.morningstar.com/ap/quicktake/ret...tab=TotalReturnEven their site list returns in the 2.x% https://www.eunittrust.com.my/toolbox/fund_...sp?fcode=001100As per fs https://www.eunittrust.com.my/pdf/Factsheet...00062017_fs.pdf |
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tonytyk
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Jun 23 2017, 07:26 AM
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QUOTE(Nemozai @ Jun 22 2017, 10:51 PM) RHB CMF 2 need T+2 to get money if sell. But this Philip money market funds is T+0 ? Can anyone confirm this? Have tried redeem, indeed got the fund credited by 330pm of same day to my Maybank account for redemption before 930am |
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Nemozai
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Jun 23 2017, 08:48 AM
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Getting Started
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QUOTE(Ramjade @ Jun 22 2017, 10:53 PM) No. Not on my list. Even morningstar list the retun as in th 1.6% region. I don't know where they come up with 3.49% That's very poor return. http://my.morningstar.com/ap/quicktake/ret...tab=TotalReturnEven their site list returns in the 2.x% https://www.eunittrust.com.my/toolbox/fund_...sp?fcode=001100QUOTE(tonytyk @ Jun 23 2017, 07:18 AM) Wow, which one is true? Anyone tried before can give feedback?   This post has been edited by Nemozai: Jun 23 2017, 09:06 AM |
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mamamia
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Jun 23 2017, 08:49 AM
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Can we uplift Gia on Public Holiday? I rmb they r certain time that we can't uplift..
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Ramjade
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Jun 23 2017, 09:26 AM
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QUOTE(Nemozai @ Jun 23 2017, 08:48 AM) Wow, which one is true? Anyone tried before can give feedback? The only way is make a placement, calculate it purself. QUOTE(mamamia @ Jun 23 2017, 08:49 AM) Can we uplift Gia on Public Holiday? I rmb they r certain time that we can't uplift.. Yes. You only cannot uplift it on the same day you put. |
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tonytyk
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Jun 23 2017, 11:33 AM
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QUOTE(aeiou228 @ Jun 19 2017, 11:33 AM) 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) could it be that profit for withdrawal prior to maturity (manual calcs) now is 3.55%, while profit for full maturity (system calcs) revised to 3.0%, as per the revised rate from 15th June? |
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aeiou228
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Jun 23 2017, 12:26 PM
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QUOTE(tonytyk @ Jun 23 2017, 11:33 AM) could it be that profit for withdrawal prior to maturity (manual calcs) now is 3.55%, while profit for full maturity (system calcs) revised to 3.0%, as per the revised rate from 15th June? No. You can choose 3% up to 3.55%, up to you. You need 10k for 3.55%. Try login to m2u to see the options, |
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sendohz
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Jun 23 2017, 12:31 PM
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QUOTE(aeiou228 @ Jun 23 2017, 12:26 PM) No. You can choose 3% up to 3.55%, up to you. You need 10k for 3.55%. Try login to m2u to see the options, Can see options? |
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Chrono-Trigger
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Jun 23 2017, 02:24 PM
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aww, no more daily interest?
time to move to other bank
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cybpsych
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Jun 23 2017, 04:47 PM
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QUOTE(Chrono-Trigger @ Jun 23 2017, 02:24 PM) aww, no more daily interest? time to move to other bank who say no daily interest? after 1 Aug, only change mechanism to follow FD method. |
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daniel7910
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Jun 24 2017, 06:10 PM
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Getting Started
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QUOTE(aeiou228 @ Jun 23 2017, 12:26 PM) No. You can choose 3% up to 3.55%, up to you. You need 10k for 3.55%. Try login to m2u to see the options, just try put in 10K for 3.55%.... all the while im putting eFD with 2.95% one month period.... lol |
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cybpsych
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Jun 25 2017, 10:32 AM
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QUOTE(daniel7910 @ Jun 24 2017, 06:10 PM) just try put in 10K for 3.55%.... all the while im putting eFD with 2.95% one month period.... lol not everyone got spare rm10k to play with egia anytime  most of the times, 1-2k in egia for flexibility and fluidity in withdrawal any days without penalty in the profit. |
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MiKE7LIM
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Jun 25 2017, 02:07 PM
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QUOTE(aeiou228 @ Jun 23 2017, 12:26 PM) No. You can choose 3% up to 3.55%, up to you. You need 10k for 3.55%. Try login to m2u to see the options, there is no interest rate indicated after placement? I could not see the min amount require to get 3.55%... but just indicated 60 months can get 3.55%? |
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cybpsych
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Jun 26 2017, 10:15 AM
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QUOTE(MiKE7LIM @ Jun 25 2017, 02:07 PM) there is no interest rate indicated after placement? I could not see the min amount require to get 3.55%... but just indicated 60 months can get 3.55%? you will see the RED error message during placement.  FYI, just tried all the tenure variations. 15 months and above, need min RM10k principal amount. |
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MiKE7LIM
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Jun 26 2017, 11:42 PM
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QUOTE(cybpsych @ Jun 26 2017, 10:15 AM) you will see the RED error message during placement. FYI, just tried all the tenure variations. 15 months and above, need min RM10k principal amount. noted and thanks! maybe i didn't key in any amount to check  so it doesn't show that |
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tonytyk
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Jun 28 2017, 10:49 AM
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QUOTE(aeiou228 @ Jun 23 2017, 12:26 PM) No. You can choose 3% up to 3.55%, up to you. You need 10k for 3.55%. Try login to m2u to see the options, so the interest irate s fixed at the time of placement for the planned duration of 60 months, instead of depending on the actual duration upon withdrawal (prior to maturity on 60 months)? Previously, was informed that the actual interest rate depending on the actual duration of placement (depending on actual duration of placement per table) |
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