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 Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF

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fruitie
post Aug 7 2017, 08:11 PM

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QUOTE(heavensea @ Aug 7 2017, 06:27 PM)
thanks, which means we still receive interest (for premature withdrawal) as long as the funds that park before 1/8/17.
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Yes.
heavensea
post Aug 7 2017, 08:24 PM

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QUOTE(fruitie @ Aug 7 2017, 08:11 PM)
Yes.
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tqvm.
galaxynote259
post Aug 8 2017, 01:09 AM

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hi guys, for philip master money market fund, how will the interest be credited? in the form of additional units?
neuro4869
post Aug 9 2017, 08:17 PM

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Noob questions, if you have different acc under same name (eg; basic, m2u savers and eGia)

If you only keep money in m2u savers and eGia, and someone stole your card can they buy anything with the money from m2u-savers and eGia(no money in the basic saving account)?
cybpsych
post Aug 9 2017, 08:27 PM

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QUOTE(neuro4869 @ Aug 9 2017, 08:17 PM)
Noob questions, if you have different acc under same name (eg; basic, m2u savers and eGia)

If you only keep money in m2u savers and eGia, and someone stole your card can they buy anything with the money from m2u-savers and eGia(no money in the basic saving account)?
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what "card" are you referring?

egia is like FD, u need to uplift first before can use the money.
neuro4869
post Aug 9 2017, 08:30 PM

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QUOTE(cybpsych @ Aug 9 2017, 08:27 PM)
what "card" are you referring?

egia is like FD, u need to uplift first before can use the money.
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Debit/atm card.

Btw, uplift = withdraw from egia to basic acc?
fruitie
post Aug 9 2017, 09:17 PM

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QUOTE(neuro4869 @ Aug 9 2017, 08:30 PM)
Debit/atm card.

Btw, uplift = withdraw from egia to basic acc?
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Yes, withdraw to savings account.
neuro4869
post Aug 9 2017, 09:38 PM

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QUOTE(fruitie @ Aug 9 2017, 09:17 PM)
Yes, withdraw to savings account.
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Meaning when paying using debit card, only basic saving acc money is linked/used? It's similar to m2u savers right? I got confused a bit about this

This post has been edited by neuro4869: Aug 9 2017, 09:38 PM
fruitie
post Aug 9 2017, 09:40 PM

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QUOTE(neuro4869 @ Aug 9 2017, 09:38 PM)
Meaning when paying using debit card, only basic saving acc money is linked/used? I got confused a bit about this
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Yes, this is what I understand, will deduct from savings account.
Sorry, I'm not a fan of debit cards, all my debit cards feature is disabled. They work as a ATM card only.

I think this question has nothing to do with eGIA-i? unsure.gif
wjleong15
post Aug 9 2017, 09:59 PM

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QUOTE(fruitie @ Aug 9 2017, 09:40 PM)
Yes, this is what I understand, will deduct from savings account.
Sorry, I'm not a fan of debit cards, all my debit cards feature is disabled. They work as a ATM card only.

I think this question has nothing to do with eGIA-i? unsure.gif
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this account look interested, wondering whether other banks have such account?
fruitie
post Aug 9 2017, 10:02 PM

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QUOTE(wjleong15 @ Aug 9 2017, 09:59 PM)
this account look interested, wondering whether other banks have such account?
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No longer interesting since 1st August, it is like a normal FD nowadays.
You are late to the party, after few years. laugh.gif
Ramjade
post Aug 9 2017, 10:02 PM

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QUOTE(wjleong15 @ Aug 9 2017, 09:59 PM)
this account look interested, wondering whether other banks have such account?
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eGIA-i sudah
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wjleong15
post Aug 9 2017, 10:11 PM

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QUOTE(fruitie @ Aug 9 2017, 10:02 PM)
No longer interesting since 1st August, it is like a normal FD nowadays.
You are late to the party, after few years. laugh.gif
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i just knew it in your sc thread
but same like fd also good right?
at least profit got it calculated daily and no premature forfeit right?
Ramjade
post Aug 9 2017, 10:15 PM

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QUOTE(wjleong15 @ Aug 9 2017, 10:11 PM)
i just knew it in your sc thread
but same like fd also good right?
at least profit got it calculated daily and no premature forfeit right?
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Normal FD means forfeit of interest if do premature uplifting. That's why fruitie said late to party.
fruitie
post Aug 9 2017, 10:16 PM

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QUOTE(wjleong15 @ Aug 9 2017, 10:11 PM)
i just knew it in your sc thread
but same like fd also good right?
at least profit got it calculated daily and no premature forfeit right?
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Interest used to be calculated on daily basis and you can place today and uplift tomorrow with profit.
However, with the latest revision, if you forfeit prematurely, no profit will be given to you.
wjleong15
post Aug 9 2017, 10:22 PM

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QUOTE(Ramjade @ Aug 9 2017, 10:15 PM)
Normal FD means forfeit of interest if do premature uplifting. That's why fruitie said late to party.
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QUOTE(fruitie @ Aug 9 2017, 10:16 PM)
Interest used to be calculated on daily basis and you can place today and uplift tomorrow with profit.
However, with the latest revision, if you forfeit prematurely, no profit will be given to you.
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then i can simply ignore it already
bye.gif
Ramjade
post Aug 9 2017, 10:39 PM

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QUOTE(wjleong15 @ Aug 9 2017, 10:22 PM)
then i can simply ignore it already
bye.gif
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Of course. BUt you can use the alternatives.

- FSM CMF2
- Phillip CMF
- OCBC 360
- RHB Bonus saver
neuro4869
post Aug 9 2017, 10:47 PM

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QUOTE(fruitie @ Aug 9 2017, 10:16 PM)
Interest used to be calculated on daily basis and you can place today and uplift tomorrow with profit.
However, with the latest revision, if you forfeit prematurely, no profit will be given to you.
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Okay im late lol just gonna stick with savers then
wjleong15
post Aug 9 2017, 11:23 PM

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QUOTE(Ramjade @ Aug 9 2017, 10:39 PM)
Of course. BUt you can use the alternatives.

- FSM CMF2
- Phillip CMF
- OCBC 360
- RHB Bonus saver
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then i stick to my current ocbc 360
brows.gif
cybpsych
post Aug 10 2017, 07:23 AM

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confirmed and tested. placed on 7 Aug, uplifted on 9 Aug. no profit given.

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