Outline ·
[ Standard ] ·
Linear+
Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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Ramjade
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 Mar 20 2017, 12:38 PM
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QUOTE(fairylord @ Mar 20 2017, 12:24 PM) sifu, CMF also non PIDM protected as eGIA, right? eGIA is better in that case? unless eGIA has descending profit ssharing (interest rate) in coming months  I choose eGIA-i over CMF for 2 reasons (i) instant liquidity (can uplift and withdraw anytime 6am-10pm eveyday) vs need to wait 2 days for CMF (ii) higher interest (extra 0.15%) Yes. Both not PIDM protected. |
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Ramjade
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Mar 29 2017, 10:41 PM
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QUOTE(maxi @ Mar 29 2017, 10:38 PM) What is the difference between this special investment account and gia? Ans is staring in your face (i) Min RM50k (ii) No dividend for premature uplifting    |
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Ramjade
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Mar 29 2017, 10:50 PM
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QUOTE(maxi @ Mar 29 2017, 10:46 PM) I thought the interest rate is better since its min requirement is 50k With RM50k, no premature uplifting better to use promo FDs |
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Ramjade
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Apr 3 2017, 04:40 PM
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QUOTE(tsssusan09 @ Apr 3 2017, 04:33 PM) Can I add on new fund to my existing GIA certificate placement without making a new placement evertime? No. |
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Ramjade
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Apr 3 2017, 04:59 PM
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QUOTE(dasecret @ Apr 3 2017, 04:54 PM) True, for those 20 days deposit while waiting for credit card due date I'd continue to use eGIA, at least earn me a free chap fan or starbucks  You miss the old days when it was at 4%  |
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Ramjade
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Apr 25 2017, 11:09 AM
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QUOTE(timetokill @ Apr 25 2017, 10:55 AM) Interest rate is getting worse. Is there other products in the market that resemble this and give better rates? Of course no la. |
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Ramjade
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Apr 29 2017, 03:46 PM
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QUOTE(MiKE7LIM @ Apr 29 2017, 03:43 PM) still got 5.8% ??? new campaign ?  Effective 3.93% only.  |
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Ramjade
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May 3 2017, 04:37 PM
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QUOTE(tonytyk @ May 3 2017, 12:46 PM) If the prorate is based on table, not worth to go for the 9 month campaign rate if one anticipates to withdraw earlier Tun the 9 month period. It is better to just deposit based on normal rate of 3.45% This is for those who want to chase FD rates. For those who want eGIA-i as normal parking then just put normally at 3.45% |
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Ramjade
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May 3 2017, 04:37 PM
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QUOTE(tonytyk @ May 3 2017, 12:46 PM) If the prorate is based on table, not worth to go for the 9 month campaign rate if one anticipates to withdraw earlier Tun the 9 month period. It is better to just deposit based on normal rate of 3.45% This is for those who want to chase FD rates. For those who want eGIA-i as normal parking then just put normally at 3.45% |
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Ramjade
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May 4 2017, 05:39 PM
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QUOTE(lch78 @ May 4 2017, 05:38 PM) e-GIA interest at 3.4% now.. Since when? Maybank eGIA-i rate is always publish on 15 of the month. |
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Ramjade
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May 7 2017, 09:00 PM
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QUOTE(christ14 @ May 7 2017, 08:57 PM) money game 35% hahahah  Actually bitcoin is not money games/ponzi. People just take opportunity to bluff gullible people. There's forex/gold/plantation scam. Are they real? Yes if you look correctly. Bitcoin is just digital currency where you can do trading/loan them to people, transfer your money overseas. |
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Ramjade
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May 7 2017, 09:39 PM
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QUOTE(christ14 @ May 7 2017, 09:16 PM) understood bro was just making a sarcastic remark haha sorry sorry Anyway, I am not invested in bitcoins but I am interested because it can save one substantial amount if transferring money overseas vs using banks. This post has been edited by Ramjade: May 7 2017, 09:40 PM |
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Ramjade
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May 13 2017, 09:52 PM
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QUOTE(Mr.Weezy @ May 13 2017, 09:34 PM) Heyy fam, how's everyone doing ? Would like to know if I can open this account through online without any need to verify anything physically in the banks ? And during period of 2 months, can my balance fall below RM1k? No need. Just need maybank account. Maybank egia can be withdraw anytime you like. If you do not have the min amount, you cannot put egia. Simple as that. |
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Ramjade
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May 13 2017, 10:05 PM
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QUOTE(Mr.Weezy @ May 13 2017, 09:57 PM) On the previous page, someone said the profit rate % is disclosed on every 15th, whIch is 2 days away. So the new and updated % takes place in the morning of 15th? Or 15th is just for announcement ? New rates will be used on the 15th of every month. |
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Ramjade
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May 15 2017, 11:07 AM
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QUOTE(Mr.Weezy @ May 15 2017, 10:53 AM) btw guys, what is uplift ? first post didn't teach  Uplift usually refers to removing FD. |
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Ramjade
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May 17 2017, 08:12 PM
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QUOTE(AskarPerang @ May 17 2017, 08:04 PM) Anyone able to uplift today? Cannot be done? Is the loophole close down my Maybank now??? Can no problem. Make a placement yesterday. Uplift it this morning. I think you musy have make placement this morning then try to lift it today itself. If like that memang cannot la. |
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Ramjade
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May 18 2017, 12:45 PM
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QUOTE(tetwoei @ May 18 2017, 12:32 PM) Can anyone explain actually why uplift daily? Could gain more? Of course. Daily uplift and replace will give you higher returns vs uplift and do it once a month. Compounding is working. Eg. Rm1000 After 1 day, you get RM1000.xx. You remove this RM1000.xx and place this as new placement. Next day you get RM1000.xx + RM0.yy |
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Ramjade
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May 18 2017, 12:54 PM
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QUOTE(AskarPerang @ May 18 2017, 12:46 PM) Today able to uplift? I didn't dare to make placement yesterday hearing rumours from a friend. He unable to uplift yesterday night. Called maybank CS and they ask him to email instead. Yes more by a few cents. Depending on the amount put in. Night after 10pm of course cannot. This post has been edited by Ramjade: May 18 2017, 01:15 PM |
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Ramjade
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May 20 2017, 02:57 PM
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QUOTE(degionz @ May 20 2017, 02:48 PM) I would like to save some money so dont know which is better Of course egia. eFD only 2.95%. eGia 3.45% |
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Ramjade
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May 26 2017, 01:06 AM
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QUOTE(kradun @ May 26 2017, 12:53 AM) Bank got so kind compound the monthly interest based on the annual interest rate? If bank really compound the monthly interest at 3.45% I think they are more happy to show their interest as 3.50xxx% p.a instead of 3.45% p.a For FD that compounded on monthly basis it suppose to compound at 3.39xxx% for 12 months then only can get the 3.45% annual interest rate. For FD with different maturity period that having the same % p.a, it will end up earn the same interest after 1 year even thought having different frequency of compounding. Nope. They really use 3.45% to count. (1000 x 0.0345 x 30)/ 365. You will get about ~RM2.84/month |
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