I loled

But since he meant his serial number already.

The merit of having lots of cert is.. for some people they would still like to have the momey in and a few of it out. For eg.

Guy A put 1 cert @ rm10k

Guy B put 5 cert amounting to 10k say 2k each cert.

Now guy B can uplift 1 cert of 2k to pay credit card maybe. Or house loan. Or prost*tute lol. While the remaining 8k still in place. On the other hand guy A if he was to pay something mid month. He would have to uplift 1 cert and whole 10k.

I guess thats what most of us are doing as per Guy B. Not sure if you have understood.

For uplift, is it immediately credited to the principal account?

yes. with interest gain

Oh my goodness, confirm its 10.00 PM ONLY latest for GIA transactions. Previously saw someone mention 10.30. Was testing my luck (delaying due to stuff) and do it slightly past 10pm just now - already tutup. Hmmph..

It's not really about banks going down, GIA is investment account which your capital is not guaranteed.
Of course chances are low. But still it is important to understand the differences between FD and the risk that GIA carries, no matter how small.

That is why it is important for us to understand the product to decide whether it is suitable for your risk appetite and purpose

On personal opinion, if you dont need the money in short term, FD promo is still better. But for short term saving, this is not a bad choice

The daily operation time for this is stated in their website

You should take into consideration on that

Ya I did comment doubt abt 10.30 coz I remember is 10.. Then again I didn't went to double check. So just tried to push my luck.

Woah so many...mine is just 60+

Yes this is what i do

been using it since the rate was 4.00% p.a.

Just placed a sum yesterday evening.

So if I'm correct, I would be able to see the "a day interest" gained by today? If so will it appear under my savings account transaction history or must check in the GIA-i account view?

Thanks!

as long as you did not uplift or havent pass a month, the interest is only viewable when you attempt to uplift

It will appear when you decide to uplift in the same page when you request for TAC.

Renewable option available by default during account opening now.

Yeah, misunderstood ID for number of certs . Thought he had like 90+ concurrent

Lol maybe some really do have we dont know hahaha

I see, noted with thanks!

Hi, I'm new in FD. Last month I placed RM10k, just to try this out, and today I got RM30.5 dividend. Is it normal?

yes, rm10k is pretty much slightly less than rm1 per day

when did you place?

assuming today you uplift.

This post has been edited by cybpsych: Jan 9 2017, 01:05 PM