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 Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF

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WhitE LighteR
post Mar 16 2017, 10:55 AM

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QUOTE(cybpsych @ Mar 16 2017, 09:54 AM)
this month's rate drop to 3.45%
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the maybank gia page not yet updated. how did u know of the new rate?
WhitE LighteR
post Mar 16 2017, 11:51 AM

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QUOTE(Ramjade @ Mar 16 2017, 10:56 AM)
Maybank app.
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ic. thank you
WhitE LighteR
post Mar 16 2017, 02:09 PM

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QUOTE(Ramjade @ Mar 16 2017, 02:08 PM)
eGIA gone case there's still CMF  whistling.gif
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not everyone has FSM account.
WhitE LighteR
post Mar 16 2017, 02:12 PM

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Ya I know. But still....
WhitE LighteR
post Mar 27 2017, 03:44 PM

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QUOTE(kaikai91 @ Mar 27 2017, 03:32 PM)
Last time I chose GIA, put around 20 days then withdraw, profit.
Days ago I chose Murabahah Deposit Account (MDA-i), after 5 days then withdraw, they deduct my money! Mean no profit/interest but also deduct my money.

Wtf?!! Thought all same, damn...

bangwall.gif  bangwall.gif  bangwall.gif
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silly bearbear... of course not the same.
WhitE LighteR
post Mar 28 2017, 06:38 PM

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QUOTE(bbhing98 @ Mar 28 2017, 06:37 PM)
Hi guys
I've got some questions. If i plan to put 1k into this GIA scheme I can withdraw it anytime within the same month right? Whats the difference between the min. rm5k(1 month) and min rm1k(2 month and abv)?
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no difference.
WhitE LighteR
post Mar 28 2017, 06:44 PM

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QUOTE(kaikai91 @ Mar 28 2017, 06:30 PM)
Just trying, before put I searched the whole T&C everywhere they stated early withdrawal no profit, no state deduct $. Sad, rm25 gone.

cry.gif  cry.gif  cry.gif
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when you place the FD, did they pay you upfront profit into you account?
WhitE LighteR
post Mar 28 2017, 06:46 PM

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QUOTE(bbhing98 @ Mar 28 2017, 06:42 PM)
Thanks for the response. Btw will there be any chance that I will lose my capital money since it's not under PIDM protection? As this is my ptptn loan that I will need to use to pay my fees at the end of the semester.
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Yes, got chance. But so far no one loose money yet. So every night before sleep, pray Maybank wont gulung tikar.
WhitE LighteR
post Mar 28 2017, 07:37 PM

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QUOTE(kaikai91 @ Mar 28 2017, 07:31 PM)
OMG Thank you so much!! They paid me upfront profit once I placed the FD. Mean no deduct my money, just no profit. How can I so silly?!!

Thank you  notworthy.gif  notworthy.gif  notworthy.gif  wish you had a nice day tomorrow  notworthy.gif  notworthy.gif
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as i said... silly bear bear... laugh.gif
WhitE LighteR
post Apr 21 2017, 12:07 PM

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QUOTE(CyberKewl @ Apr 21 2017, 12:06 PM)
Hope this is not silly question - what do i benefit from putting longer tenure (say 6 months or 1 year) VS putting monthly and just put in auto renewal mode?
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No difference.
WhitE LighteR
post May 26 2017, 09:51 PM

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This is just so sad. Looks like my short term cash have to go back to savers acc. And the rest to CMF. Lucky I has FSM.
WhitE LighteR
post May 28 2017, 12:37 AM

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QUOTE(jfleong @ May 28 2017, 12:04 AM)
If you set the placement to be 60 months, the rate will be 3.55% , but you can still withdraw anytime and receive full interest because the placement was made before the 1st of August
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Not bad idea..
WhitE LighteR
post Jun 8 2017, 02:19 PM

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If those that prefer liquidity, perhaps should consider go back to m2u savers account.
WhitE LighteR
post Mar 12 2018, 07:47 PM

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At least better than basic saving account ok already. For newbie I would say no point go thru so much trouble to find a slightly better "SA". Over a period of 2-3 years while u kumpul fund for next big purchase or investment the amount u gain is negligible in all the enhance SA. So if u got Maybank, just go ahead with whatever convenient for u.

Anyway since this is eGIA thread, i think it's best to just close this thread. Since eGIA in its current form is not better than basic FD. And even more useless as "SA"
WhitE LighteR
post Jul 16 2018, 11:50 AM

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Lolz... So funny la Maybank.. this is like the Amex card case all over again
WhitE LighteR
post Jul 28 2018, 09:31 AM

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QUOTE(waeguk @ Jul 28 2018, 08:50 AM)
Strange why they do like this.

They want customers to keep putting in and withdraw every month??!?  rclxub.gif
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U obviously new to this game... u should read this thread first. Basically they are using it as a high interest savings account. In any case, it benefits maybank to gain more investors. They made their money daily too... at least this way we have a way to share the pie.
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