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

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TSAIYH
post Feb 17 2017, 04:43 PM

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QUOTE(fruitie @ Feb 17 2017, 03:45 PM)
I just want to know the latest rate. Last month was 3.5% as what I have seen in GIA-i page on Maybank2U. It should have a new rate recently.
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need to check on quick balance in m2u mobile app
TSAIYH
post Feb 17 2017, 06:25 PM

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QUOTE(duckaton @ Feb 17 2017, 06:11 PM)
no where to check on desktop m2u?
btw, what's the rate for now?
TQ
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Not viewable on web m2u

U need to check frOM quick balance

I do not hold any amount in there right now, so can't check for u
TSAIYH
post Feb 22 2017, 09:54 PM

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QUOTE(galaxynote259 @ Feb 22 2017, 09:48 PM)
i placed RM 5000 on 15 Jan

i want to uplift on 22 Feb

the interest should be RM 18+ right?

why m2u only shows RM 3?
?.?
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by default the profit will credit to your SA every month, check and see
TSAIYH
post Mar 16 2017, 02:10 PM

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QUOTE(WhitE LighteR @ Mar 16 2017, 02:09 PM)
not everyone has FSM account.
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You can create one just like maybank account though innocent.gif
TSAIYH
post Apr 3 2017, 04:52 PM

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QUOTE(dasecret @ Apr 3 2017, 04:47 PM)
I've been using eGIA a bit since ppl started talking about its advantages. Back then the difference between eGIA and FSM CMF is about 0.2%; it's been on downtrend lately. At the moment CMF is earning 3.374%, if eGIA continues to fall then perhaps CMF would be higher jor
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But still eGIA rate and feature is enough for liquidity saving account smile.gif
TSAIYH
post May 12 2017, 09:19 PM

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QUOTE(Nom-el @ May 12 2017, 04:24 PM)
Bank Islam has a product very similar to Maybank GIA-i called Wafiyah Investment Account. The indicative rates p.a. are: -

1 Month - 3.50%
3 Months - 3.60%
6 Months - 3.70%

More info:
http://www.bankislam.com.my/home/personal-...oducts/wafiyah/
Anyone here with experience on this account?
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QUOTE(cappuccino vs latte @ May 12 2017, 09:04 PM)
Its maturity is contracted to either 1, 3 or 6 months. In contrast, Maybank GIA-i is flexible to withdraw anytime online with profits.
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In the PDS Key T&C, there is such clause:

"""
Profit payment for premature redemption will apply the actual profit rate or the expected profit
rate prorated based on the actual number of completed days, whichever is lower (if any).
Note: The actual amount paid to the IAH will depend on the market value of the underlying
asset of which the IAH’s investment is linked to at the point of the pre-mature redemption.
Investors are advised to contact the Bank for consultation if they are considering pre-mature
redemption.
"""

So might be similar to GIA, but then is this feature available in their online banking like m2u?
TSAIYH
post Jun 22 2017, 10:13 AM

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QUOTE(sendohz @ Jun 22 2017, 09:47 AM)
Ya i think it's better than the option no.3 from Ramjade
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then if you need to put there for more than a month, not liquid enough and interest not attractive by that standard, might as well go for other avenues like FD, amanah saham or bonds

QUOTE(fruitie @ Jun 22 2017, 10:02 AM)
You mean every withdrawal once gets additional 0.25% cash back? rclxms.gif
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no, it means withdrawal will make your interest from 2.85% to 0.25% laugh.gif
TSAIYH
post Jul 6 2017, 05:01 PM

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QUOTE(Nom-el @ Jul 6 2017, 04:55 PM)
Good to know that. What if we withdraw / sell everything before the following month, the interest would be credited to the savings account then?
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From what I understand from CS, even if you withdraw all by EOM, you will still get the equivalent unit the next month into the fund, thereby withdraw from the fund as per usual (no minimum redemption amount and holding amount), but need to try out this month to verify
TSAIYH
post Jul 7 2017, 08:34 AM

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QUOTE(drew86 @ Jul 6 2017, 07:39 PM)
Tried and tested XD
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When u invest into pmmmf, how long does it take to reflect in the holding for it to be available for redemption?

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