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Hi cybpsych,

Noticed GiA nowadays require us the following: -



Do we need to open an Mudarabah Investment account to proceed? Thanks

yep, should be yes

Is the rate of e-GIA currently only around 1.9 or 2%?

What happens if you prematurely uplift? Our interests are credited monthly so are they taking back your interests from your capital or savings or just let whatever interests given be as it is and returns you your capital?

Actually also not quite sure if the rate is applied from Day 1 to Mature Date (lock to the rate you started with) or the rate applies monthly according to the fluctuations?

I have a few e-GIA that I broken into 1k certs, have been letting it stay on auto-renewal for a few years now. I opt for the annual tenure around 12 or 13 months.
Thinking of taking it all out and try dump it into ASNB since the rate is so poor.

Should I continue or abort? My certs matures around Feb and Mar next year.

My 1st time putting into e-GIA was because of the easy liquidity where you can just uplift on the fly and that the interests come in monthly. Should I still keep it? Because ASNB also is quite liquid it seems that you can now just withdraw online.

yes General Investment Account-i | Maybank Malaysia

since your tenor is 12/13 mths, once you premature uplift, the capital will be deducted from all your profits received before.

iirc, rate fluctuate each month.

I thought this scheme RIP already? HLB e-fd offer better rates even for 3 months tenure.

not rip, just no more attractive

In MBB online account, unable to find link to GIAi ? Used to have link under "Apply" I think.

Trying to put some short term fund into the 1 mth 1.0% with flexibility of withdrawal, still getting the daily 1.0% interest.

Currently convention eFD still have different tiers? Like only 5k can put for 1 month?

And eGIA now is 1.0 interest while conventional is1.5 for 1 month?

cimb or hlb better now no? but minimum going for 3 months

yah, seems not there

https://www.maybank2u.com.my/maybank2u/mala..._account_i.page?

i park my short term $$ with VERSA now . let me know if u want referral link.

more flexible.. in and out

really missed the MBB gia days...

HLB is good for 6months

Don’t bother Frank in better terms of liquidity

Versa downhill since Oct 2021 with its returns and whenever the bonus is gone now no point already

dang it... i guess if everywheres a no go just simply put then

Just put in Frank where you can access the money anytime yet pays you 1.8%pa daily

alamak.. what is FRANK?

High Interest Savings Account (FD Rate with Flexible Withdrawal) | FRANKbyOCBC Malaysia

but but.. VERSA is suppose to be 2.4%

What is the meaning of suppose

Market changes as 2.46% was 2020 returns while 2021 is 1.9%

It was doing well until Oct the next returns drop after lifting of MCO as you can from the fund size from highest 1.5billion till now 0.53 billion hence returns are getting lower

1stly it is not FD as market rate changes daily hence don’t complain too much as it is not for returns it is only temporary parking while waiting for better opportunities