Super low interest rate with high minimal amount just to earn interest.

oh that. depends which you compare to. if just compare to bare savings account it's pretty good though i agree with the high minimal amount. but i know you are pro money market funds to keep savings so of course this can't beat that.

What I see in this because of the volatility and fast cash compared to funds.
What if you need the money at this instance but you cannot liquidate your money within today?
ASNB - weekend how?
fund - few day floating?
bank - anytime, anywhere

Ramjade has no kids/wives/mistresses and stuff la, thus his views.. let's just say it's truth for himself la, not others tapi sometimes he forgets to say so heheh
Hor Ramjade hor

This post has been edited by wongmunkeong: Mar 12 2018, 01:55 PM

Keep la RM5k cash in bank account. Even your atm let you withdraw RM3k each tine
Use credit card la. As long as you have cash to pay off your credit card, it's as good as emergency cash.

It got nothing to do with truth but finding ways to maximise your cash workings.

At least better than basic saving account ok already. For newbie I would say no point go thru so much trouble to find a slightly better "SA". Over a period of 2-3 years while u kumpul fund for next big purchase or investment the amount u gain is negligible in all the enhance SA. So if u got Maybank, just go ahead with whatever convenient for u.

Anyway since this is eGIA thread, i think it's best to just close this thread. Since eGIA in its current form is not better than basic FD. And even more useless as "SA"

again.. U do know your maximization may not be the same for others with different requirements?
If U insist, of course it's your version of truth.

eg. $5K cash in bank account? U kidding me - i can blow that in 1 shot doing work or just transfering to my family.

Use credit card? heheh - some of us maxed out our cards (yes, i've >10, from >4 banks) due to biz, 0% BTs (woo free % for rolling, FD, investing, etc.), etc.

So, still wanna insist there's only "1 way fits all" to maximize? hm.. You're right, absolutely right

This post has been edited by wongmunkeong: Mar 12 2018, 09:50 PM

Unker, your lifestyle not the common Malaysian lifestyle. I am the normal Malaysian earning miserable amount. RM5k is basically more than my monthly income.

this poorfag crying while reading all off these richfag unkers

Everyone starts somewhere. You want to have more money in bank account, you need to give up something to gain something. For me, I save like crazy.

To increase your bank account numbers, you need
1) spend less/save more.
2) earn more
3) put your money to work

I still a poor fag but at least I am starting.

yes sir, egia gona mature soon lol

still thinking where those funds should go.

i think i spent too much on holidays already hahahaha

I just compared Maybank (GIA-i) and Public Bank (Term Deposit-i), rate having difference. Out of all banks, is it Maybank offer the best rate ?

Just tried placement yesterday around 4pm, principal 1k. Uplifted 10.30am today, no interest credited.
Just to check, is it only eligible if uplifted today 4pm as well for my case? Thanks in advance

Did you even read the earlier posts or maybank’s website? Egia no longer gives daily interest upon upliftmenr. Must complete min 1 mth tenure

I see sorry i miss out some info.
If this case it's about the same as FD already

No difference with eFD now actually.

i'm still happily using it due to flexibility, simplicity, and availability.

i dont care what better "savings" out there.

Alright thanks

Hi bro,
Philip money market is it 3.5pa and will pay interest if i take up anytime?

And where can i buy philip money market.
Thanks alot

It's 3.5p.a. Not per month. Not sure about payout as I haven't have time to test it out.

Eunittrust.com.my