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Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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Ramjade
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 Jul 30 2017, 05:49 PM
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QUOTE(fruitie @ Jul 30 2017, 05:45 PM) I'm going to do the same as well, better than nothing. Gotta do it in office tomorrow. So to make it clear, whatever placed earlier and uplift after 1st August will still get profit right? How about the profit calculation from Aug onward for those placed before 1st Aug? It's a 1-month placement. I haven't informed my foreign colleague who I have helped to put in a 6 digit placement. I'm going to break the news to her tomorrow and will teach her to put in FSM if she wants. If make placement before 1/8,you will get full interest (only 3%). If make placement after 1/8 no interest if withdraw early. |
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fruitie
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Jul 30 2017, 05:53 PM
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Rise and Shine
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QUOTE(Ramjade @ Jul 30 2017, 05:49 PM) If make placement before 1/8,you will get full interest (only 3%). If make placement after 1/8 no interest if withdraw early. Thanks. So for first option, uplift at anytime is also 3% right? |
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Ramjade
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Jul 30 2017, 05:54 PM
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QUOTE(fruitie @ Jul 30 2017, 05:53 PM) Thanks. So for first option, uplift at anytime is also 3% right? Supposely unless maybank change the rules again. We don't know right... |
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fruitie
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Jul 30 2017, 06:02 PM
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Rise and Shine
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QUOTE(Ramjade @ Jul 30 2017, 05:54 PM) Supposely unless maybank change the rules again. We don't know right... OK, then my understanding is correct. I am going to share the news with my colleague tomorrow. Let her previous placement keep in eGia-i, future ones I will help her to put in eFD since she doesn't lift them up unlike me.  |
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cybpsych
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Jul 30 2017, 07:15 PM
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QUOTE(fruitie @ Jul 30 2017, 05:45 PM) I'm going to do the same as well, better than nothing. Gotta do it in office tomorrow. So to make it clear, whatever placed earlier and uplift after 1st August will still get profit right? How about the profit calculation from Aug onward for those placed before 1st Aug? It's a 1-month placement. I haven't informed my foreign colleague who I have helped to put in a 6 digit placement. I'm going to break the news to her tomorrow and will teach her to put in FSM if she wants. since you're going to uplift early, try placing 12 months to lock down the 3.25% rate. i'm getting this 3.25% rate even after +1 day uplift.  note: in case somebody come again saying got 3.55% rate, i'm not putting 10k just to hit the 3.55%. my preference is between 12-14 months tenure whereby the rate is 3.25% for min RM1k. This post has been edited by cybpsych: Jul 30 2017, 07:19 PM |
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fruitie
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Jul 30 2017, 07:24 PM
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Rise and Shine
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QUOTE(cybpsych @ Jul 30 2017, 07:15 PM) since you're going to uplift early, try placing 12 months to lock down the 3.25% rate. i'm getting this 3.25% rate even after +1 day uplift. note: in case somebody come again saying got 3.55% rate, i'm not putting 10k just to hit the 3.55%. my preference is between 12-14 months tenure whereby the rate is 3.25% for min RM1k. Yes, I will do the same too. Thanks for the tips. I just want flexibility for upliftment. |
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babienn
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Jul 30 2017, 09:20 PM
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If I make a placement for 60 months and pick for monthly interest credit to account, and then uplift the placement on the 45th day, it does guarantee me to have at least 1 month of interest right? Since the first month's interest has already credited into my saving account? Or will they deduct the early uplift penalty from my principal amount?
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AskarPerang
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Jul 31 2017, 01:26 AM
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QUOTE(fruitie @ Jul 30 2017, 05:45 PM) I'm going to do the same as well, better than nothing. Gotta do it in office tomorrow. So to make it clear, whatever placed earlier and uplift after 1st August will still get profit right? How about the profit calculation from Aug onward for those placed before 1st Aug? It's a 1-month placement. I haven't informed my foreign colleague who I have helped to put in a 6 digit placement. I'm going to break the news to her tomorrow and will teach her to put in FSM if she wants. If got 6 digit fund, uplift and break into multiple 10k placement 60 months at rate of 3.55% pa. Final day to adjust. |
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fruitie
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Jul 31 2017, 01:38 AM
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Rise and Shine
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QUOTE(AskarPerang @ Jul 31 2017, 01:26 AM) If got 6 digit fund, uplift and break into multiple 10k placement 60 months at rate of 3.55% pa. Final day to adjust. Great idea since she's not using this fund. Looks like I will help to do this. She can uplift anytime and still gets 3.55% right? I don't think she will still be in Malaysia for the next 5 years. |
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Strike8
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Jul 31 2017, 01:01 PM
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New Member
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Anyone tried the above steps already? I tried withdraw but the interest rate is much lower than expected.....  |
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cybpsych
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Jul 31 2017, 01:54 PM
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QUOTE(Strike8 @ Jul 31 2017, 01:01 PM) Anyone tried the above steps already? I tried withdraw but the interest rate is much lower than expected..... did many. can explain HOW did you make the placement earlier? WHAT did you choose? etc etc |
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sendohz
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Jul 31 2017, 02:43 PM
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QUOTE(Strike8 @ Jul 31 2017, 01:01 PM) Anyone tried the above steps already? I tried withdraw but the interest rate is much lower than expected..... it's 3.25% instead of 3.45% |
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SUSlowya
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Jul 31 2017, 05:43 PM
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QUOTE(Strike8 @ Jul 31 2017, 01:01 PM) Anyone tried the above steps already? I tried withdraw but the interest rate is much lower than expected..... if u placed during the campaign, you have to mention to the staff it was campaign rate and they will then add, if not they probably just go with the system default, don't ask me why, but their system are that kind. |
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fruitie
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Jul 31 2017, 05:47 PM
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Rise and Shine
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OK, shifted to 60 months for my friend. I straight put one placement rather than many RM 10k placements, should be OK right? She is not going to withdraw anyway until she leaves Malaysia for good. |
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Ramjade
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Jul 31 2017, 06:05 PM
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QUOTE(fruitie @ Jul 31 2017, 05:47 PM) OK, shifted to 60 months for my friend. I straight put one placement rather than many RM 10k placements, should be OK right? She is not going to withdraw anyway until she leaves Malaysia for good. Better park in FD if like that  |
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fruitie
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Jul 31 2017, 06:14 PM
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Rise and Shine
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QUOTE(Ramjade @ Jul 31 2017, 06:05 PM) Better park in FD if like that If I see good rate of FD, I will help her to shift la.  |
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Batusai
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Jul 31 2017, 06:57 PM
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if placed before 1st Aug and set to auto renewal upon maturity, do we follow the new terms and conditions upon renewal or we still get the old terms and condition ( daily interest)
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wan7075
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Jul 31 2017, 08:21 PM
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QUOTE(cybpsych @ Jul 30 2017, 07:15 PM) since you're going to uplift early, try placing 12 months to lock down the 3.25% rate. i'm getting this 3.25% rate even after +1 day uplift. note: in case somebody come again saying got 3.55% rate, i'm not putting 10k just to hit the 3.55%. my preference is between 12-14 months tenure whereby the rate is 3.25% for min RM1k. today last day d.. I also create few 1k and 3k This post has been edited by wan7075: Jul 31 2017, 08:30 PM |
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heavensea
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Jul 31 2017, 08:44 PM
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QUOTE(wan7075 @ Jul 31 2017, 08:21 PM) today last day d.. I also create few 1k and 3k omg last minute for me, gonna cr8! |
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heavensea
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Jul 31 2017, 10:39 PM
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