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

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fruitie
post Dec 30 2016, 12:53 PM

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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 tongue.gif
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QUOTE(Ramjade @ Dec 30 2016, 10:15 AM)
You can. Before the final confirm page, click back. Then under the interest payment, select add to principal.
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Yes, that's how I did it. I let it grow on its own. laugh.gif
Been doing that since my first placement. tongue.gif
fruitie
post Dec 30 2016, 02:21 PM

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QUOTE(UnknownH @ Dec 30 2016, 02:12 PM)
For real? shocking.gif
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That's the beauty of GIA-i. Can withdraw next day, it is my savings account. laugh.gif
fruitie
post Dec 30 2016, 03:47 PM

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QUOTE(samftrmd @ Dec 30 2016, 03:26 PM)
3.55 per year or per month? 5k profit for 1 month is 177.55 or 14.79?
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RM 14.79 la.. sweat.gif
RM 177.55, I wish this bank exists in this world.

This post has been edited by fruitie: Dec 30 2016, 03:47 PM
fruitie
post Dec 30 2016, 05:35 PM

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QUOTE(tifosi @ Dec 30 2016, 05:17 PM)
Thanks. Loophole/workaround like these also you guys can find out laugh.gif
*
I also learnt from others before I placed earlier. I think it was in FD thread when I learnt about this long time ago. tongue.gif
fruitie
post Dec 30 2016, 11:03 PM

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QUOTE(kd88 @ Dec 30 2016, 10:59 PM)
how to determine whether a placement is entitled to promotional rate or not?
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No more promotional rate, previous few posts already shared the news.
fruitie
post Dec 30 2016, 11:12 PM

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QUOTE(kd88 @ Dec 30 2016, 11:06 PM)
If placed on 23 Dec, 12 months tenure, entitled for promotional rate?
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If you are under promotional rate, you will see a yellow exclamation mark next to the interest rate then click on ! and will see the description.

fruitie
post Dec 30 2016, 11:29 PM

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QUOTE(kd88 @ Dec 30 2016, 11:17 PM)
I didn't see the word " interest rate"

Only see this "Profit rate: Rate as declared on maturity date"

No exclamation mark also
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Sorry, not exclamation mark. blush.gif It's an "i".
This is mine, I put for 6 months.

user posted image
fruitie
post Dec 31 2016, 12:37 PM

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QUOTE(kd88 @ Dec 31 2016, 07:29 AM)
Mine one only got this info, and no "i" aksi. Wonder why...
This is Isalamic product right, wonder why got term " interest rate"

Term: 12 months
Profit rate: Rate as declared on maturity date
Maturity date: 23 December 2017
Profit payment mode: Add to principal
Instruction on maturity: Auto renewal
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That means you didn't get the promo rate. It's the same like my normal placement.
fruitie
post Jan 1 2017, 07:18 PM

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QUOTE(1tanmee @ Jan 1 2017, 06:57 PM)
LOL i got read, but there are things that I am not very sure of. thanks for the patience biggrin.gif
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Once you do your placement, you will be given with an e-cert. You uplift according to the e-cert. So, if you put 5k for one placement, you need to uplift the whole RM 5k and not RM 1k or any amount you like.

You have asked enough, just try RM 1k. I think you learn better that way. laugh.gif
I also read in FD thread previously, then just tried with 1k to have better understanding. Itu saja. laugh.gif
fruitie
post Jan 1 2017, 10:56 PM

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QUOTE(1tanmee @ Jan 1 2017, 10:26 PM)
Hahah, I took the plunge with 5k just now, will see how it goes!
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You can try uplifting tomorrow, then you will learn better. laugh.gif

This post has been edited by fruitie: Jan 1 2017, 10:56 PM
fruitie
post Jan 1 2017, 11:40 PM

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QUOTE(1tanmee @ Jan 1 2017, 11:00 PM)
Hahhaah, what's with the laugh.gif , any suprises in store? hahahah.
Hope the uplifting and crediting money back to account is on the same day, else so suspense, ahaha
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No issue one la. biggrin.gif
Been doing it quite frequently.

QUOTE(cybpsych @ Jan 1 2017, 11:28 PM)
no need to worry and hope it will work.

it does really working.

my certificate serial number count nearly reaching 90+ liao. laugh.gif

only tricky part are these:

1) after placement, cannot uplift the same day. need to wait next day to uplift.
2) placement n uplift only available from 6am to 10:30pm in m2u.

other than these, smooth sailing.
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Mine only 40+, still newbie. blush.gif
Regretted that I only put in for 6 months promo, should have opted for 12 months. sad.gif
fruitie
post Jan 1 2017, 11:45 PM

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QUOTE(cybpsych @ Jan 1 2017, 11:43 PM)
I also tried 12mth placement, didn't get promo rate. then later retry 6mth, gotten the (i) promo rate. split to 2 placements, just in case need to uplift some didn't before maturity.
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Oh is it? Then I won't feel bad. laugh.gif
Hope the promo will come back soon. My promo placement will mature in April. laugh.gif
fruitie
post Jan 2 2017, 12:16 PM

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QUOTE(Refuzed @ Jan 2 2017, 12:01 PM)
Sorry for being a noob but can anyone explain the exact meaning of 'uplift' that had been mentioned countless times here? Thanks!
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Placement = put in money
Upliftment = take out money
fruitie
post Jan 2 2017, 12:50 PM

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QUOTE(Refuzed @ Jan 2 2017, 12:47 PM)
Thanks both of you!

Will probably place some funds into this and shall monitor the outcome.  smile.gif
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Just treat it like a savings account and earn much higher interest than savings account. smile.gif
fruitie
post Jan 2 2017, 08:23 PM

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QUOTE(drbone @ Jan 2 2017, 08:12 PM)
Just placed for 6 months few minutes ago but did not see the (i) promo rate... ohmy.gif
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Promo already fully utilised. smile.gif
fruitie
post Jan 9 2017, 11:05 PM

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QUOTE(ps007 @ Jan 9 2017, 10:46 PM)
Damnnnnn...
Mine with tenure 6 months was placed on 29 Dec 2016, the 3.6% was showing. Now i check again it become "Rate as declared on maturity date".
Whyyyy sad.gif
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Hmm. Mine still has the "i" sign. Anyway, news about quota depletion only shared in this thread on 30th Dec, not sure when it was fully depleted, it could be earlier.

This post has been edited by fruitie: Jan 9 2017, 11:06 PM
fruitie
post Jan 11 2017, 11:05 AM

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QUOTE(jasmineh2y @ Jan 11 2017, 10:54 AM)
meaning no more promotion rate?
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No more.
fruitie
post Jan 25 2017, 09:38 PM

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I still have until April, should be able to OK to tahan until then. biggrin.gif
fruitie
post Jan 26 2017, 04:53 PM

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QUOTE(wan7075 @ Jan 26 2017, 04:35 PM)
why I can't see my profit rate but is written Rate as declared on maturity date?
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This is for promo rate only.

QUOTE(MGM @ Jan 26 2017, 04:41 PM)
Anyone has tried uplifting Gia using MBB apps? Possible?
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Not possible. If there is, please share, gotta be helpful.

I helped my expat colleague to do this GIA-i, she trusts me a lot so let me see her balance.
I helped her to do 6 digit placement, though fixed deposit could be better but she wants something flexible and doesn't really bother about the amount of interest. So long it generates some cash for her. laugh.gif I showed her how to do upliftment yesterday, wow the interest for 1 day is pretty good for her. tongue.gif Didn't uplift anyway, just showing only.

Any better deal than GIA-i for Maybank that is easy to withdraw? tongue.gif
fruitie
post Jan 26 2017, 08:06 PM

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QUOTE(sendohz @ Jan 26 2017, 05:26 PM)
Consider charging her service charge biggrin.gif
OR a cup of drink
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No la, she already said, every month we can go for a nice dinner. biggrin.gif
Though she chose to add interest into her principal but she said she can treat me. biggrin.gif

QUOTE(MGM @ Jan 26 2017, 06:21 PM)
Since she trusts u so much, put into ASx but under your name ,6 +%.
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No no, I don't want to deal with people's money.

QUOTE(monara @ Jan 26 2017, 06:48 PM)
Wow! 6 digit, if just 100k already about rm10 perday right..
looks like that person want something flexible, which asx cant offer i guess.
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Yeah, about RM 10 per day for 100k.
Yes, need flexible.

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