Do you think is worth to forgo the PIDM protection for SA and board FD in favor for GIA profit?

Not sure what will others think about this, may be can use this point to spread this product to your peers

Unless there is another party who can offer similar feature and better rates (besides ASx FP)

everyone has a diff risk profile. low, medium, high. if you are ok with it then go for it.

some of us just feel it's too much risk for that extra few bucks compared to FD. compromise some of us come up with is put in two months, let it run. then next round reconsider our options.

as ramjade sifu said, short term, not long term. benefits are the same whether you put in long or short term. except for that step up campaign of theirs.

I'm saying my certificate serial number, not the count of certs I'm holding.

u uplift and make new placement, serial number will be incremental.

I loled

But since he meant his serial number already.

The merit of having lots of cert is.. for some people they would still like to have the momey in and a few of it out. For eg.

Guy A put 1 cert @ rm10k

Guy B put 5 cert amounting to 10k say 2k each cert.

Now guy B can uplift 1 cert of 2k to pay credit card maybe. Or house loan. Or prost*tute lol. While the remaining 8k still in place. On the other hand guy A if he was to pay something mid month. He would have to uplift 1 cert and whole 10k.

I guess thats what most of us are doing as per Guy B. Not sure if you have understood.

Still valid.

Please uplift GIA on 31st July to lock-in the profit, then place it back again on the same day. Try test uplift on 1st August without requesting the TAC and see if the system calculate the 1 days interest or not. If yes, that means all GIA placements before 1st August will still entitle to "any time upliftment with full daily profit payment" for the very last time.

I've just test uplift a 10k, 60 months yesterday's placement this morning. Yes, GIA calculated RM10,000.97. Still getting 3.55% one day profit if i uplift it today.
Made a new 1k 12months placement for another test tomorrow to confirm the new GIA TnC.

In FD sections?
Or may be would be more easy to view on m2u Apps, but unable to uplift via Apps

If you have money >20k, UOB E-Account > GIA

UOB E-Account:
>20k - 3.0%
>50k - 3.5%

GIA
2.5% - but can put low amount like 5k

daily interest counted, even on early withdrawal

Do you park that amount less than 1 month all the time?

Just to share.
One thing I did previously is, I place 1k 2 months fd each month, by the end of several months,. I would have a few placement of fd of 1k to take out as it mature at different timing.

That was before I know eGIA, but after that since my house loan is full flexi I just dump into house loan.

Hi, is it true that i still can earn interest eventho i park my money here into GIA for about a week? Need to park about rm30k for about a week.

then you are comparing the wrong reasons

ppl opt for eGIA is for flexible withdrawal, not for the rate.

you came here posting FD rate instead.