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Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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Ramjade
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 Nov 21 2016, 02:08 PM
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QUOTE(jasmineh2y @ Nov 21 2016, 01:54 PM) I believed the promo is rm10k? Don't know. If normal limit, see first page. QUOTE(jasmineh2y @ Nov 21 2016, 02:04 PM) Sorry, i found this in the maybank website but do not understand. Indicative Profit Rate (3.55% p.a) Profit Sharing Ratio (PSR) by Investor 70% Profit Sharing Ratio (PSR) by Bank 30% What is this means? Don't bother about that ratio. What you need to see is the profit rate. That's what you are getting. The 70% = 3.55% p.a. This post has been edited by Ramjade: Nov 21 2016, 02:09 PM |
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Ramjade
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Nov 21 2016, 02:37 PM
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QUOTE(jasmineh2y @ Nov 21 2016, 02:35 PM) Then this is really better than conventional FD.. Thx for sharing! Prinicpal and returns are not guaranteed. Keep that in mind. However so far maybank honor their part. Money never went missing. |
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Ramjade
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Nov 21 2016, 08:52 PM
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QUOTE(MinusGear @ Nov 21 2016, 08:50 PM) Just did a 12months via maybank2u as try out. Problem is how do you tell if you did it correctly? There's nothing that shows that I place under promotional campaign period. It only says rate declared on maturity. Click the promo link. That should be correct then. |
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Ramjade
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Nov 23 2016, 11:32 AM
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QUOTE(ninjawin @ Nov 23 2016, 11:29 AM) Seems like eGIA interest getting lesser..time for a change Where to? Is still the highest for 1 month. |
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Ramjade
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Nov 23 2016, 11:46 AM
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QUOTE(ninjawin @ Nov 23 2016, 11:40 AM) maybe 3 months promo renewal.. can get 3.8 to 4 CIMB/maybank Not liquid enough... |
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Ramjade
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Nov 23 2016, 12:12 PM
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QUOTE(Chrono-Trigger @ Nov 23 2016, 12:11 PM) just put in in 6 months... a bit regret, should have put in ASW Don't worry. Egia can withdraw anytime.  |
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Ramjade
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Nov 23 2016, 12:15 PM
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QUOTE(Chrono-Trigger @ Nov 23 2016, 12:13 PM) yea, need some liquidity for emergency this egia, any interest if withdraw early? Full interest calculated daily. |
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Ramjade
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Nov 25 2016, 04:46 PM
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QUOTE(yingchai @ Nov 25 2016, 04:38 PM) CASA = current account/saving account |
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Ramjade
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Dec 16 2016, 01:38 PM
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QUOTE(apathen @ Dec 16 2016, 01:13 PM) with Maybank eGIA available, why do ppl still buy money market fund ? Cause some people are lazy to login here and there which is ridiculous excuse.   This post has been edited by Ramjade: Dec 16 2016, 01:43 PM |
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Ramjade
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Dec 17 2016, 07:53 AM
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QUOTE(monara @ Dec 17 2016, 06:58 AM) Perhaps that fund insured by pidm then.. why didn't ask him to explain if really dont understand.. No need to ask why? That guy is a big showoff. |
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Ramjade
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Dec 17 2016, 08:33 AM
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QUOTE(MoneyMaker prince @ Dec 17 2016, 08:26 AM) Any idea what is GIA-i 12months and 6 months campaign? Does it still available? It only make sense to me if you intend to keep your money in GIA for short term (1-3months). For long term, some FD is still a better choice. (eg HLB 4.15% pa) Am i right? Is for those who want to park their money for 6 months -12 months. SHould be as I still saw it on display at MAyabnk counters. Not sure if can be done online. Some people might not have Hong Leong bank account. |
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Ramjade
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Dec 18 2016, 11:00 PM
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QUOTE(opticc @ Dec 18 2016, 08:21 PM) one day maybank declare gia loss all gone They are using it for loans. As long as no of people who don't default is low + maybank cash flow is healthy, no need to worry. This post has been edited by Ramjade: Dec 18 2016, 11:00 PM |
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Ramjade
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Dec 19 2016, 08:21 PM
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QUOTE(ariejbasri @ Dec 19 2016, 07:55 PM) If increase in rate. Lets say Maybank announce Indicative rate is 3.50% (PSR 50:50) but due to high performance of retail asset investment and good OPR, they give 3.60%... Does it mean that PSR also shift, 55 : 45 (customer: Bank ) too?? This is just to understand the product more. No. The rate they give you (3.55%) is the 70% part of the PSR. The 30% they keep. Is fixed. This post has been edited by Ramjade: Dec 19 2016, 08:21 PM |
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Ramjade
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Dec 20 2016, 06:58 PM
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QUOTE(ariejbasri @ Dec 20 2016, 03:54 PM) So the pre-agreed PSR of 70:30 for example, does not change ever? even when they announce a higher rate due to performing investment..? Thanks Ramjade As far as I know, it's fixed. This post has been edited by Ramjade: Dec 20 2016, 06:59 PM |
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Ramjade
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Dec 30 2016, 10:15 AM
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QUOTE(tifosi @ Dec 30 2016, 10:12 AM) Any idea why we can't add to principle for the interest gained after maturity? I like my money growing  You can. Before the final confirm page, click back. Then under the interest payment, select add to principal. |
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Ramjade
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Dec 31 2016, 08:57 AM
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QUOTE(1tanmee @ Dec 31 2016, 08:55 AM) For purchase/withdrawal, can be done via M2U, right? Yes. |
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Ramjade
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Jan 3 2017, 01:27 PM
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QUOTE(55665566 @ Jan 3 2017, 01:19 PM) Can I know what if I place RM1000 at 11pm yesterday and uplift at 8am today, will I get 1 day interest? Yes. You will get 1 day interest. However I think last eGIA-i transection is 10/1030 pm |
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Ramjade
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Jan 13 2017, 09:58 PM
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QUOTE(1tanmee @ Jan 13 2017, 09:56 PM) When is the new rate usually advertised? 15 of the month |
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Ramjade
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Jan 14 2017, 11:15 AM
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QUOTE(MoneyMaker prince @ Jan 14 2017, 11:12 AM) Previously what was the rate? 4% > 3.75% > 3.6% > 3.55% |
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Ramjade
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Jan 15 2017, 07:18 PM
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QUOTE(heavensea @ Jan 15 2017, 07:15 PM) Omg cannot invest in gia anymore?! That's promo rates. Normal one still can. |
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