Recently, I treat this GIA as my "Savings" account. whenever there is income in my savings account and when it is more than 1k, i will place the whole amount minus min balance to be left in the savings account, into this GIA. Just uplift whenever i need money, whatever left over if more than 1k, place back into GIA.

Hence the m2u saver seems useless already, moreover, the RM250 min balance is really high as compared to RM1 in Maybank savings account. Maybe will keep this m2u saver account for a while, since i will not hit the RM2k min balance to earn the daily interest.

Seems like this is the calling.
I was hesitating to cancel it and keep 2k in m2u saver and the rest into eGIA.
Seems like i've made the 'unwise' decision of keeping the savers account.

? So many of you closed the m2u savers account, what if emergency happens in the midnight or early morning, can't uplift the GIA..wouldn't you be afraid the emergency fund couldn't act in the event of emergency? Or is there any more flexible instrument than GIA?

hi, i had a few k of fund that saved from angpau money since small and i never used these money instead saving it. Been putting the money in fd for 3 years. Recently came across this eGia and wondering should I move this fund in the eGia. My concern are:

1) I will definitely not using these money. But eGia is mean for flexible
2) eGia just ~0.4% higher (as for now) than the FD rate, but slightly riskier (unstable rate + no PIDM covered) than FD

Sifus, please advise 

haha, yea, you got it right, maybe i worry too much 

Yeah, it's clearly written however I find it weird that they do not show it clearly in m2u, only when one clicks on the information icon.

I also simply place only. (on desktop)
cannot see the rates any where?

need to check on quick balance in m2u mobile app

Can check from here.  Latest rate is 3.5%

i see

but why i didnt get the option "add to principal" for the interest gain?
only have credit to my saving account
and the interest rate also didnt lock yet

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now only i know
thanks for the explanation
anyway, regardless of whichever i choose, the dividen rate still the same right?

How many uplifts can be done per day?

inkambing sifu here will say wont

i think the different tenure selection is, at least, for campaign purposes, im not sure they are there for other reasons

No need M2Savers. I already listed down 3 alternatives.

From 1aug, it incl rollover gia too, nt only new placement. So better to withdraw b4 1 Aug.

June 16 if you don't want the 3% interest. You can try the loophole. Put 60 months and

I'll pull out my money all together by 1st Aug.

Even at 3%, I still like the flexibility. RM 50,000 the different for that 0.45% works out to be less than RM 30 for the 1.5 months. I'll still go for the flexibility till then. After that, most probably CMF.