Finally, a dedicated thread for GIA-i. Already 4 pages after only 2 days. Well done, AIYH.    Thanks for sharing my blog article as well.

One thing about GIA-i, you won't only risk losing your capital if Maybank goes bankrupt. It can happen too if the investment is losing money. The risk is very low though as the money is invested by Maybank in providing loans to its customers. It has not happened before so far, just to want to highlight it here to clarify any doubt. As for risk level, I would say the risk is lower than money market funds and bond funds but higher than FD / CASA (even those without PIDM protection from institutions like Bank Rakyat, MBSB etc. because the principal & interest are guaranteed by those institutions, only not insured by PIDM).

I think it is important to calculate the profit / interest to ensure we are getting the rate we assume we are getting. That way, we will know if the rate dropped or if we lost any capital. If you see the amount you get is less than initial amount, then & only then, you should start to worry if Maybank is really in trouble. Then, can decide if want to continue with it or not. But, so far, so good.