Outline ·
[ Standard ] ·
Linear+
Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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Ramjade
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 Jul 4 2017, 08:36 PM
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QUOTE(Kamen Rider @ Jul 4 2017, 08:31 PM) if i were to put some amount into eGIA with 1 month maturity, and then wait till its mature, will I get 3.45% interest rate? as someone mentioned that cannot simply terminate the eGIA before it get mature, so wonder what is the rule now?  You won't get 3.45% anymore as current rate is 3%. You still can withdraw anytime. If you make placement before 1/8 and withdraw after that, you still get instant withdrawal with interest. If you make any placement after 1/8. eGIA behaves like a normal FD minus PIDM protection. No more instant liquidity. If you withdraw, you won't get interest. Simple as that. |
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Havoc Knightmare
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Jul 5 2017, 01:24 PM
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Since GIA profit is paid out monthly, will premature upliftment result in me losing the immediate month's profit, or all profit earned after 1st Aug?
This post has been edited by Havoc Knightmare: Jul 5 2017, 01:24 PM
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cybpsych
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Jul 5 2017, 01:41 PM
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QUOTE(Havoc Knightmare @ Jul 5 2017, 01:24 PM) Since GIA profit is paid out monthly, will premature upliftment result in me losing the immediate month's profit, or all profit earned after 1st Aug? Premature withdrawal prior to maturity of tenure is subject to the following conditions: For withdrawals within 3 months of the investment tenure, the customers shall agree to waive the right to receive all of the attributed profit; For withdrawals after 3 months of the investment tenure and before the maturity date, the customers shall agree to waive the right to receive 50% of the attributed profit. |
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goatbernard
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Jul 5 2017, 03:47 PM
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Getting Started
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just want to know any suggestion, so far i heard:
1. FSM Cash Management
2. OCBC casa
what else?
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apathen
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Jul 5 2017, 05:11 PM
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QUOTE(goatbernard @ Jul 5 2017, 03:47 PM) just want to know any suggestion, so far i heard: 1. FSM Cash Management 2. OCBC casa what else? public mutual pbcmf |
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red_scorpion
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Jul 6 2017, 02:49 AM
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QUOTE(goatbernard @ Jul 5 2017, 03:47 PM) just want to know any suggestion, so far i heard: 1. FSM Cash Management 2. OCBC casa what else? it should be OCBC 360 saving accounts :-) |
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tbheng
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Jul 6 2017, 07:25 AM
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QUOTE(drew86 @ Jul 4 2017, 08:19 PM) Philip Master MMF is more liquid at T+0, 3.49% p.a. for those needing the liquidity. Hi, I am very interested on this one. A few quick queries: Q1. Is this the one ? PMMMFQ2. No sales charge nor disposal fee nor any other charges? Q3. Funding is by FPX or IBG or credit card or any other channels ? Q4. What is the end time to transact to get T+0? Q5. T+0 presumably for working day only? Q6. Any minimum buy/sell amount? Thanks for sharing.  |
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drew86
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Jul 6 2017, 09:15 AM
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Getting Started
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QUOTE(tbheng @ Jul 6 2017, 07:25 AM) Hi, I am very interested on this one. A few quick queries: Q1. Is this the one ? PMMMFQ2. No sales charge nor disposal fee nor any other charges? Q3. Funding is by FPX or IBG or credit card or any other channels ? Q4. What is the end time to transact to get T+0? Q5. T+0 presumably for working day only? Q6. Any minimum buy/sell amount? Thanks for sharing. Yes. Available online via eunittrust. All the info you're looking for can be found in the links below https://www.eunittrust.com.my/fundInfo/PMMFInfo.asphttps://www.eunittrust.com.my/toolBox/fund_...sp?fcode=001100FPX funding is easiest. FPX >rm500 is FOC. |
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tonytyk
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Jul 6 2017, 10:44 AM
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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) QUOTE(tbheng @ Jul 6 2017, 07:25 AM) Hi, I am very interested on this one. A few quick queries: Q1. Is this the one ? PMMMFQ2. No sales charge nor disposal fee nor any other charges? Q3. Funding is by FPX or IBG or credit card or any other channels ? Q4. What is the end time to transact to get T+0? Q5. T+0 presumably for working day only? Q6. Any minimum buy/sell amount? Thanks for sharing. See earlier response |
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Nom-el
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Jul 6 2017, 04:55 PM
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QUOTE(red_scorpion @ Jul 4 2017, 01:27 PM) Yeah I know it is useless..but the rm500 insurance payment you won't get much reward from other cc also..which cc reward insurance payment? Max also 1% which is rm5 per month.. But if you have 100k in ocbc 360 , u get extra 0.5%( treat as 4.1-3.6 assume you can get this from cmf) ..that extra 0.5% is 500 per year..rm40 per month.. so you earn extra rm40 lost rm5..somemore you enjoy the flexibility of withdraw ur money anytime..you can instant transfer any time .. I agree, can even withdraw from ATM anytime you need the money. If have 200k, can consider getting both OCBC 360 Account & OCBC 360 Account-i. But need to spend another RM500 on debit card-i (to get the maximum interest rate). QUOTE(drew86 @ Jul 4 2017, 08:25 PM) Update: As expected, pro-rated interest received at the beginning of the following month. Good to know that. What if we withdraw / sell everything before the following month, the interest would be credited to the savings account then? |
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TSAIYH
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Jul 6 2017, 05:01 PM
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QUOTE(Nom-el @ Jul 6 2017, 04:55 PM) Good to know that. What if we withdraw / sell everything before the following month, the interest would be credited to the savings account then? From what I understand from CS, even if you withdraw all by EOM, you will still get the equivalent unit the next month into the fund, thereby withdraw from the fund as per usual (no minimum redemption amount and holding amount), but need to try out this month to verify |
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drew86
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Jul 6 2017, 07:35 PM
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Getting Started
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QUOTE(Nom-el @ Jul 6 2017, 04:55 PM) Good to know that. What if we withdraw / sell everything before the following month, the interest would be credited to the savings account then? No. Interest will reappear in eUT Holdings, can do withdrawal subsequently. This post has been edited by drew86: Jul 6 2017, 07:37 PM |
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drew86
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Jul 6 2017, 07:39 PM
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Getting Started
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QUOTE(AIYH @ Jul 6 2017, 05:01 PM) From what I understand from CS, even if you withdraw all by EOM, you will still get the equivalent unit the next month into the fund, thereby withdraw from the fund as per usual (no minimum redemption amount and holding amount), but need to try out this month to verify Tried and tested XD |
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Ramjade
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Jul 6 2017, 07:57 PM
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QUOTE(drew86 @ Jul 6 2017, 07:35 PM) No. Interest will reappear in eUT Holdings, can do withdrawal subsequently. Really 3.4x%? |
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drew86
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Jul 6 2017, 08:57 PM
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Getting Started
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QUOTE(Ramjade @ Jul 6 2017, 07:57 PM) Yep. But interest only credited once a month, so u won't see it grow like CMF. |
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TSAIYH
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Jul 7 2017, 08:34 AM
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QUOTE(drew86 @ Jul 6 2017, 07:39 PM) When u invest into pmmmf, how long does it take to reflect in the holding for it to be available for redemption? |
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drew86
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Jul 7 2017, 01:48 PM
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Getting Started
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QUOTE(AIYH @ Jul 7 2017, 08:34 AM) When u invest into pmmmf, how long does it take to reflect in the holding for it to be available for redemption? 2-3 days at least |
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watabakiu
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Jul 7 2017, 10:00 PM
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Rojak of SA + FD + MMF <------ wut is MMF?
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ohcipala
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Jul 7 2017, 10:09 PM
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QUOTE(watabakiu @ Jul 7 2017, 10:00 PM) Rojak of SA + FD + MMF <------ wut is MMF? Money Market Fund |
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wan7075
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Jul 11 2017, 02:44 PM
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this thread is sinking now.. hope maybank will change their mind
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