that sounds like something that will happen in YLSM... not maybank

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

This post has been edited by HoNgZ: Feb 12 2017, 03:17 PM

Why not go for promo FDs? Definitely can get higher than eGIA-i since you won't be using the money. If you are going to use it then eGIA-i is useful.

For the risk, I don't see much issue since it's Maybank.

currently only osbc running promotions in the market given 3.90%. Others still lower than eGia. Are the any other fd promotions going on that i didn't notice?


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

Read this thread https://forum.lowyat.net/topic/4154481It have the latest information compare to other Malaysian website.

After all, you can uplift it at anytime (minimum one day).
I have helped my foreign colleague to put in 6-digit placement, she's aware of the risk but knowing it's Maybank, she has no worry.

check out HLB CNY FD promo.. but you need to do placement online and have a savings account with them

https://www.hlb.com.my/main/promotion/20170109-001-efd

Nothing new. it's been heavily discussed in FD topic.

proceed there to read.

Sorry, but what's YLSM?

there u go


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They should get this time limit off. I don't see reason why must offline 10-6.
At most they off at 12 midnight along with their daily housekeeping then okay enough.
Other banks eFD can operate almost 24 hours too.
This Maybank is really like using some old system, same thing like Public Bank.
Even the ASB topup online also cannot show the status whether success or not, while other bank can easily do that.

Ahahahhahaha!!!!!!

So what's the current interest rate like?

check your placement in m2u app. the rate is there.

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.

because it takes long time to update the site.

they can't simply update it. remember this is a bank's website, there are SOP to follow.

m2u app extract the rate directly from system. their app developer didn't hide/mask it, as what m2u web does.

This post has been edited by cybpsych: Feb 17 2017, 06:20 AM

I checked through M2U app and M2U desktop page but can't see the interest rate? Where should I check?

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