Its pidm protected, withdrawable anytime, yes, alot of works
unker is nothing here, there are more taikors around

If you swipe 500with ocbc, its higher than hlb

HLB will have 3.2%, compared to ocbc 360 2.9%, if both unswiped

Some tips for HLB Pay & Save, FPX transactions are also counted as E-payment. Can use it to top up ASNB funds or purchase UT online for e.g. So, no need to pay for the IBG fees.

For me too. I can't find smtg with 3%++ interest and instant liquidity.

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

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?

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

Not sure if this makes into your priority list.

OCBC Smart SAver deposit RM1k get 2.8%

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

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

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)

Wow, which one is true? Anyone tried before can give feedback?   

Can we uplift Gia on Public Holiday? I rmb they r certain time that we can't uplift..

HLB pay and save is proven work:

15 ibg/fpx/bill payments = 1.9%
100k balance =1.3%
2 RM30 debit card swipes=0.24%

Unker's effective rate~ 3.44%, with pidm+ atm access

I used ocbc360..use the ocbc cc for insurance payment and can easily hit 4.1%.. somemore I got the flexibility, can withdraw or transfer fund anytime anywhere..

Service/sales charge imposed for this by FSM?

I'm not sure. I haven't entered into FSM at the moment.

So this RHB CMF2 Fund works like GIA, in what sense?
GIA means (until end of this month), people can uplift within next day, and get paid interest.
CMF2 also get interest like this?

So CMF2 works like FD? Means no flunctuations and constant interest rate?
No sales charge on purchase as well?

How much is the rate btw?

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 5%( treat as 4.1-3.6 assume you can get this from cmf) ..that extra 5% is 5k per year..rm400 per month.. so you earn extra rm400 lost rm5..somemore you enjoy the flexibility of withdraw ur money anytime..you can instant transfer any time ..

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?

No. Interest will reappear in eUT Holdings, can do withdrawal subsequently.

Thanks to all posters who provide information on CMF.  Here, I compare the two CMFs.
RHB Cash Management Fund 2

- Interest Rate: 3.35% per annum
- Withdrawal takes 2 days and can only be done on Mon-Fri (have to put in sell order by 3pm).
- NAV increases on a daily basis. So, upon withdrawal, principal and interest can be obtained at the same time, 2 days later.
Phillip Master Money Market Fund

- Interest Rate: 3.49% per annum.
- can withdraw at T+0 (fund credited by afternoon same day to Maybank account if redeem before 930am).
- Interest is only credited once, at the beginning of next month. So, upon withdrawal, only principal can be obtained at the same time.
Another downside is that for Phillip Master Money Market Fund, since we receive the interest late, we cannot compound the interest, by reinvesting the interest. This is particularly true, if we choose to withdraw our principal early of the month, and have to wait for the interest to be credited next month.

Hi guys, anyone remember about the bank islam product (what's the name) that quite similar like mbb gia?

Ya gonna do it otc, but does it works (interest calculation) like gia? What's the product name ya?