Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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 Feb 21 2017, 01:57 PM
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Staff
72,831 posts Joined: Sep 2005 From: KUL  
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QUOTE(suadrif @ Feb 21 2017, 01:55 PM) i see Before you confirm the placement, click "back" and you will see the add into principal option.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 [attachmentid=8508435]  |
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Feb 21 2017, 01:57 PM
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All Stars
24,380 posts Joined: Feb 2011 
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QUOTE(suadrif @ Feb 21 2017, 01:55 PM) i see You want add to principal, after clicking next, click back, add to principal will appear. You can also modify it afterwards but will require TAC.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 [attachmentid=8508435] It's normal. They don't display the interest rate. However you can find the interest rate from Maybank site. http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts |
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Feb 21 2017, 01:57 PM
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Senior Member
2,650 posts Joined: Feb 2009
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QUOTE(Ramjade @ Feb 21 2017, 01:55 PM) That's maybank agreement. So you are forced to read it. lol Well technically it create one account for you (only if you place egia). If you have no placement, that account is not seen. Under that account, you can have lots of different placement of eGIA-i which matures at different time with different amount. Nothing to be concern about. No extra charge, nothing. You cannot even see that account via atm. Account is like that.   now only i know thanks for the explanation anyway, regardless of whichever i choose, the dividen rate still the same right? |
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Feb 21 2017, 01:59 PM
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All Stars
24,380 posts Joined: Feb 2011
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QUOTE(suadrif @ Feb 21 2017, 01:57 PM) now only i know thanks for the explanation anyway, regardless of whichever i choose, the dividen rate still the same right? |
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Feb 21 2017, 01:59 PM
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Staff
72,831 posts Joined: Sep 2005 From: KUL
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QUOTE(suadrif @ Feb 21 2017, 01:57 PM) now only i know thanks for the explanation anyway, regardless of whichever i choose, the dividen rate still the same right? |
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Feb 21 2017, 02:03 PM
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Senior Member
2,650 posts Joined: Feb 2009
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QUOTE(fruitie @ Feb 21 2017, 01:57 PM) Before you confirm the placement, click "back" and you will see the add into principal option. QUOTE(Ramjade @ Feb 21 2017, 01:57 PM) You want add to principal, after clicking next, click back, add to principal will appear. You can also modify it afterwards but will require TAC. It's normal. They don't display the interest rate. However you can find the interest rate from Maybank site. http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts  miss out that trick. thanks for the info ya  anyway, will try again next time when i lock for second placement if choose period 2 months and 60 months, does it affect the dividen pay out? This post has been edited by suadrif: Feb 21 2017, 02:03 PM |
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Feb 21 2017, 02:05 PM
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All Stars
24,380 posts Joined: Feb 2011
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QUOTE(suadrif @ Feb 21 2017, 02:03 PM) miss out that trick. thanks for the info ya anyway, will try again next time when i lock for second placement if choose period 2 months and 60 months, does it affect the dividen pay out? |
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Feb 21 2017, 02:32 PM
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All Stars
65,323 posts Joined: Jan 2003
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QUOTE(suadrif @ Feb 21 2017, 01:55 PM) i see at this page, click BACK. the "add to principal" option is revealed.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 [attachmentid=8508435] |
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Feb 21 2017, 02:47 PM
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Senior Member
633 posts Joined: Apr 2014 
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folks,
the min amount is 1k, or 5k? |
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Feb 21 2017, 02:50 PM
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All Stars
24,380 posts Joined: Feb 2011
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QUOTE(champu @ Feb 21 2017, 02:47 PM) folks, If rm1k need to put min 2 months. If rm5k, 1 month ok already. However duration not important.the min amount is 1k, or 5k? |
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Feb 21 2017, 02:50 PM
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Senior Member
4,821 posts Joined: Mar 2009
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QUOTE(suadrif @ Feb 21 2017, 08:52 AM) guys it means bank's brokerage fee is 30%, if you know where they invest and u invest it directly, you would have earn 30% more from the mere so called profit that they cannot call it as interest rate.i just dont understand what does it mean by Profit Sharing Ratio (PSR) Investor / Bank 70 / 30 what does it mean? and another thing, which one did u choose? a) Mudarabah Investment Account b) Islamic Deposit Account: let say if i click "dont want to open investment account", is my transaction will be cancel? i afraid later maybank create another one additional unnecessary account for me |
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Feb 21 2017, 02:56 PM
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All Stars
65,323 posts Joined: Jan 2003
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QUOTE(champu @ Feb 21 2017, 02:47 PM) folks, just keep it simple.the min amount is 1k, or 5k? as long as RM1k and above fund, select 2 months tenure. Select "auto renewal" and "add to principal". |
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Feb 21 2017, 03:09 PM
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Senior Member
633 posts Joined: Apr 2014
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QUOTE(Ramjade @ Feb 21 2017, 02:50 PM) If rm1k need to put min 2 months. If rm5k, 1 month ok already. However duration not important. QUOTE(cybpsych @ Feb 21 2017, 02:56 PM) just keep it simple. Great. Thanks!as long as RM1k and above fund, select 2 months tenure. Select "auto renewal" and "add to principal". |
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Feb 21 2017, 03:34 PM
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Junior Member
412 posts Joined: Jan 2012
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Should I settle my car loan which is at 2.98% pa or put my money into gia-i and continue to pay by installment?
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Feb 21 2017, 03:48 PM
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Senior Member
2,650 posts Joined: Feb 2009
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QUOTE(galaxynote259 @ Feb 21 2017, 03:34 PM) Should I settle my car loan which is at 2.98% pa or put my money into gia-i and continue to pay by installment? Park lump sum figure in GIA, do a monthly uplift for your monthly loan repaymentthis is what i did to my loan |
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Feb 21 2017, 04:21 PM
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All Stars
65,323 posts Joined: Jan 2003
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QUOTE(galaxynote259 @ Feb 21 2017, 03:34 PM) Should I settle my car loan which is at 2.98% pa or put my money into gia-i and continue to pay by installment? ur hp rate is fixed rate mah, pay now or pay on schedule wont save u money |
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Feb 22 2017, 05:43 PM
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Senior Member
1,321 posts Joined: Aug 2007 From: KL | Taiwan
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Feb 22 2017, 06:14 PM
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Junior Member
173 posts Joined: Nov 2012
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QUOTE(revolution @ Feb 22 2017, 05:43 PM) This one is FD promo, different from GIA |
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Feb 22 2017, 09:48 PM
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Junior Member
412 posts Joined: Jan 2012
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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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Feb 22 2017, 09:53 PM
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Senior Member
2,526 posts Joined: Feb 2011
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QUOTE(galaxynote259 @ Feb 21 2017, 03:34 PM) Should I settle my car loan which is at 2.98% pa or put my money into gia-i and continue to pay by installment? You can check what is the rebate you will get if you settle it. The longer you are into the HP loan, the least rebate you are going to get. See Which one gives you more benefit |
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