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

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Ramjade
post Oct 6 2017, 11:38 PM

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QUOTE(besiegetank @ Oct 6 2017, 11:25 PM)
Well these 3 are quite attractive indeed to convince me to make the switch, thanks again for the info!
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Keep in mind for
1) If you 0% service charge for UT, then use Phillip
2) If you 0% platform fees for bond funds use Phillip

You need to fork out RM5k to buy/topup funds during promo period. No RM5k, no talk tongue.gif
Ramjade
post Oct 9 2017, 11:38 PM

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QUOTE(besiegetank @ Oct 9 2017, 11:09 PM)
Is there anyway to change the username? It is so hard to remember their assigned username for my eunitrust account...
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You can try using a password manager. I am using Lastpass.
Ramjade
post Oct 18 2017, 05:19 PM

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fruitie, any idea when I try to submit my IC, it gave me a "500 - Internal server error". How to go about it?
Ramjade
post Oct 18 2017, 05:39 PM

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QUOTE(drbone @ Sep 8 2017, 03:44 PM)
Fill up the the following :
1) A signed Account Opening Form (which can be obtained from the website)
2) Photocopy of one's IC (both sides in one page)
3) A signed CRS Form

Scan all these documents and email them at eunittrust@poems.com.my
I did these yesterday morning and I received my user id and password by 3 pm.

If all else fails, call and speak to Anita at 03 20231174
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Can I know the account opening form, is it this?
FUND MASTER FORM

Also, when I tried signing up via https://www.eunittrust.com.my/, I am unable to complete my application . Is that normal?
Ramjade
post Oct 18 2017, 06:59 PM

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QUOTE(fruitie @ Oct 18 2017, 05:57 PM)
Upload your IC you mean?
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Yeah. Try to submit via eunittrust.com.my
Ramjade
post Oct 18 2017, 07:35 PM

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QUOTE(fruitie @ Oct 18 2017, 07:05 PM)
I followed below post.
Where to get that? I cannot find that Account Opening Form.

This post has been edited by Ramjade: Oct 18 2017, 07:36 PM
Ramjade
post Oct 19 2017, 08:31 AM

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QUOTE(drbone @ Oct 19 2017, 08:03 AM)
Managed to find the forms advised by fruitie ?
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Yup. Found it. Thanks.
Ramjade
post Oct 22 2017, 08:36 AM

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QUOTE(poor man @ Oct 22 2017, 08:26 AM)
UOB ONE ACCOUNT 4.28%
With UOB ONE Account, you've got two ways to gain – earn when you spend and gain when you save. And it's so easy, all you need to do is what you would usually do every month. The only difference is that you will now switch to ONE Account to get both the benefits.

WEB http://www1.uob.com.my/sites/personal/save...t.page#benefits
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*Maximum effective interest rate (E.I.R.) of 3.48% p.a. is calculated based on RM50,000 deposits balance in ONE Account. whistling.gif whistling.gif
Ramjade
post Nov 8 2017, 04:22 PM

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QUOTE(wan7075 @ Nov 8 2017, 03:03 PM)
Upliftment - Step 4 of 5

Confirmation of upliftment.

Product type:  General Investment Account-i (GIA-i) 
Account number:  261145021833 
Cert reference no.:  00000158E 
Term:  2 months 
Maturity date:  22 Nov 2017 
Current balance:  RM1,000.00 
Name: 
Closing amount:  RM997.53

something wrong, why I withdraw GIA then is lesser than my principal amount? cry.gif
even no interest suppose get my full principal back..
FYI, this is old GIA placed before 1/8 but I think it was renewed on 22 September due to expiry term is 2 months.
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There you go. Renewed on Sept 22. That's why you have have less money. Maybank deduct your money for uplifting before the date

Ramjade
post Nov 8 2017, 06:31 PM

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QUOTE(wan7075 @ Nov 8 2017, 05:37 PM)
Premature withdrawal prior to maturity of tenure is subject to the following conditions:

1) For withdrawals within 3 months of the investment tenure, the customers shall agree to waive the right to receive all of the attributed profit;
2) For withdrawals after 3 months of the investment tenure and before the maturity date, the customers shall agree to waive the right to receive 50% of the attributed profit.

you mean I have receive the interest from 22/9 till 22/10. so if I withdraw now, then they will took back the interest for October right?
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That's right because you set to auto renew. Had you set it to expire 60 months, you would not kena.
Ramjade
post Mar 12 2018, 08:31 AM

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QUOTE(sl3ge @ Mar 11 2018, 10:26 AM)
Hi guys
So sad GIA-I no more pay interest before mature.
can recommend place to parking which pay interest daily?
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Phillip money market. Amanah saham fixed price fund.

QUOTE(55665566 @ Mar 12 2018, 08:18 AM)
For me, the nearest is the m2u savers
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M2U savers nowadays sucks. Avoid at all cost.
Ramjade
post Mar 12 2018, 10:05 AM

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QUOTE(vincabby @ Mar 12 2018, 09:50 AM)
suck how?
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Super low interest rate with high minimal amount just to earn interest.
Ramjade
post Mar 12 2018, 06:32 PM

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QUOTE(55665566 @ Mar 12 2018, 01:44 PM)
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
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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.

QUOTE(wongmunkeong @ Mar 12 2018, 01:54 PM)
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
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It got nothing to do with truth but finding ways to maximise your cash workings.
Ramjade
post Mar 12 2018, 11:15 PM

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QUOTE(wongmunkeong @ Mar 12 2018, 09:48 PM)
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.. hmm.gif You're right, absolutely right  laugh.gif
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Unker, your lifestyle not the common Malaysian lifestyle. I am the normal Malaysian earning miserable amount. RM5k is basically more than my monthly income.
Ramjade
post Mar 13 2018, 08:53 AM

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QUOTE(christ14 @ Mar 13 2018, 04:02 AM)
this poorfag crying while reading all off these richfag unkers
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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.
Ramjade
post Mar 15 2018, 08:04 PM

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QUOTE(sl3ge @ Mar 15 2018, 06:56 PM)
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
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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
Ramjade
post Apr 25 2018, 12:16 AM

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QUOTE(1tanmee @ Apr 24 2018, 11:26 PM)
So,

GiA: 3.20% | no interest for early uplift | not covered by PIDM.

What's making anyone retain with GiA then? If not, what other FD instrument comparable to GiA that Maybank offers?
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People who put multiple eGIA before maybank close the loophole.

Phillip money market fund. 3.5x%
Ramjade
post Apr 25 2018, 02:54 PM

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QUOTE(1tanmee @ Apr 25 2018, 02:37 PM)
I meant to say if there are other Maybank FD instrument that is similar to GiA, i.e. online and easy upliftment...
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No maybank stuff, look for other alternative. Phillip money market fund is fully online
Ramjade
post Apr 29 2018, 11:05 PM

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QUOTE(paogeh @ Apr 29 2018, 10:40 PM)
@Ramjade

following u from the OCBC360 ,

seem like philip 3.5%  is good deal ....

but now , it seems to be buying fund ?
buy fund , got lock in period ?
the interest/dividen calculate daily ?
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See my edited reply in ocbc thread with eg of calculations.
No lock in period. You can sell anytime you like. Not very sure about calculated daily as I am not exactly sure how they count.
Ramjade
post Apr 29 2018, 11:23 PM

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QUOTE(paogeh @ Apr 29 2018, 11:20 PM)
looking at eunittust.com.my , at philip mutual fund .....the fund NAV fluctuate .
and there are sales charges too .....

am i looking at the right place ?
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No you are not.
https://www.eunittrust.com.my/Home/FundDetail/?fcode=001100

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