^ here's my strategy in using eGIA, previously shared here

you should know how much of your fixed monthly expenditure (car/house loan, bills, give parents, etc) and payment due dates, right? so, timed your placement and uplift accordingly.

dont discuss publicly anything illegal or circumventing laws/policies

click into existing placement.

website updated liao with 3.55% p.a. effective from 16 November 2016 to 15 December 2016

Click here to view Investment Account Fund Performance Report (Q3 2015)

Click here to view Investment Account Fund Performance Report (Q4 2015)

Click here to view Investment Account Fund Performance Report (Q1 2016)

Click here to view Investment Account Fund Performance Report (Q2 2016)

the rate first dropped in Q3, report not available yet

placement, take from CASA
uplift, goes back to CASA

if you have multiple CASA, each placement will ask you which CASA to transfer the fund from and drop back after uplift.


this is why this eGIA can be a pseudo-CASA to reap the profits, for short-term placement.

Q3 2016 performance report is out

Click here to view Investment Account Fund Performance Report (Q3 2016)

looks like 3.55% stays for this month. m2u app shows the same rate.

no problem doing so, i've been doing it religiously

there are few groups of key transfers that i need to do in a month, especially credit cards.

transfer 1) car loan - mid month (dont ask, cant change the date )
transfer 2) 1st group of cards with same due date, 3rd week of the month
transfer 3) 2nd group of cards with same due date, 4th week of the month + house loans

method 1:
gaji masuk, transfer all to egia immediately (same day as pay day).
uplift then transfer for car loan. make new placement from the balance.
uplift again to repay credit card group 1 due date, then make placement from balance.
uplift again to repay credit card group 2 due date + house loans, then make new placement from balance + new gaji masuk.
rinse and repeat.

method 2:
alternatively, after gaji masuk, you can split the placement according to the group of transfer to be done in the future, this way, no need to uplift-placement so many times. just uplift a specific placement just enough to transfer.

let's say my gaji bersih RM6k. transfer all to egia immediately (same day as pay day).
make placement of RM1k for car loan.
make another placement of RM1k for credit card due date #1.
make another placement of RM4K for credit card due date #2 + house loans.
come next mid-month, uplift 1st placement of RM1k. transfer for car loan.
come 3rd week, uplift 2nd placement of RM1k (repay credit card due date group #1).
come 4th week, uplift 3rd placement of RM4k (repay credit card due date group #2 + house loans).
balance + new gaji, split the placements again for next month's future transfers
rinse and repeat.




p/s: leave some cash for ATM withdrawal or duit poket. you cant uplift between 10pm until next morning 6am, so just be prepared if need emergency money middle of the night (e.g. masuk balai ke, pinjam member ke, tow truck service ke, klinik or hospital outpatient ke, etc)

This post has been edited by cybpsych: Dec 21 2016, 10:05 AM

cdm to ur SA, then perform placement online

gia-i is not SA

let me guess, later you'll ask whether can use ATM to withdraw money out from gia-i account?

should have explained this earlier mah. we don't know what u thinking. answers may not be correct.


well,can u see the money in gia account?

better sort out with the bank.

This post has been edited by cybpsych: Dec 21 2016, 06:12 PM

read the reclassification notice from maybank >> https://www.maybank2u.com.my/WebBank/term-BBGB-notice.pdf

just placed 2 placements for GIA promo 6-mth 3.90% p.a. (effective). m2u shows (!) icon incidating promo rate.

uplift tomorrow, get profit for 1 day.

it seems like hit-and-miss situation.

it's a promo for 6-month and 12-month placement for GIA

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions


try uplift and make new placement for 6-month. 12-month already no more quota.



Wadiah savings account http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts

this is most ppl having. not sure others SA. go to M2U website to find out.

This post has been edited by cybpsych: Dec 30 2016, 05:59 PM

yes no more

you should see the FD thread, loaded with GIA stuffs

until this thread is pinned and mods put up a reminder, ppl will keep bombarding gia questions on both threads.

no need to worry and hope it will work.

it does really working.

my certificate serial number count nearly reaching 90+ liao.

only tricky part are these:

1) after placement, cannot uplift the same day. need to wait next day to uplift.
2) placement n uplift only available from 6am to 10:30pm in m2u.

other than these, smooth sailing.

This post has been edited by cybpsych: Jan 1 2017, 11:29 PM