OK, 31st July then.

Yes, I was thinking of the same thing too. Hope our understanding is correct then I will maximize the convenience to place and uplift before 1st August.

Can withdraw anytime?

Wow, this is a good replacement. Hopefully someone can check this option.

Balance Transfer.

I got a FSM account now and I'm so lost with this CFM thingy... No wonder my Finance paper in university was my worst results, I just cannot comprehend those figures.

Never mind. I gave up on it. Any eFD option to replace GIA-i? If instant withdrawal is not possible, at least one month lo..

Thanks for assisting and I don't wanna OT so much, I will go to FSM thread if I want to.
Really appreciate your help, I just dropped RM 700 to have a feel how it works before shifting my fund there.

Yes, that's what I thought of too but need minimum RM 2k to generate interest.

Actually most of us put in GIA-i due to its flexibility, not so much on the interest. At least for me, it is.

Since my June salary is already out today, I will still park some fund there until 31st July before moving to FSM.

This post has been edited by fruitie: Jun 20 2017, 02:03 PM

You mean every withdrawal once gets additional 0.25% cash back?

I see and not that flexible ya.
OK, I stick to FSM.

So it works ya?

It only requires some efforts, I will need to put n time of 60 months.
Minimum is RM 1k?

RM 10k, got it.
Still not a bad idea. So long this amount of money can be withdrawn after 1st August and still enjoy interest.

I have started to test water with FSM. So far OK.

Yes, correct.

Shouldn't be but really need to plan ahead if you need fund. Cannot wait till last minute...

I'm going to do the same as well, better than nothing. Gotta do it in office tomorrow.


So to make it clear, whatever placed earlier and uplift after 1st August will still get profit right? How about the profit calculation from Aug onward for those placed before 1st Aug? It's a 1-month placement.
I haven't informed my foreign colleague who I have helped to put in a 6 digit placement. I'm going to break the news to her tomorrow and will teach her to put in FSM if she wants.

This post has been edited by fruitie: Jul 30 2017, 05:46 PM

Thanks. So for first option, uplift at anytime is also 3% right?

OK, then my understanding is correct. I am going to share the news with my colleague tomorrow. Let her previous placement keep in eGia-i, future ones I will help her to put in eFD since she doesn't lift them up unlike me.

Yes, I will do the same too. Thanks for the tips.
I just want flexibility for upliftment.

Great idea since she's not using this fund. Looks like I will help to do this. She can uplift anytime and still gets 3.55% right? I don't think she will still be in Malaysia for the next 5 years.