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

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fruitie
post Nov 21 2016, 01:48 AM

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Put in a 5 figure for GIA 6 in last month. Hope I made the correct decision and hoping I could lock it for 6 months until April. laugh.gif I'm a big fan of GIA-i due to its flexibility and have been introducing close friends and family to put there for short term purpose rather than putting in SA. laugh.gif
fruitie
post Nov 21 2016, 11:06 AM

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QUOTE(Ramjade @ Nov 21 2016, 05:25 AM)
There's no locking 6 months as the rate change every month. sad.gif
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I see. Then how does it work actually? unsure.gif
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fruitie
post Nov 21 2016, 11:14 AM

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QUOTE(Ramjade @ Nov 21 2016, 11:10 AM)
I think this is the GIA promo one right?
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Yes, I supposed. Mine is this.
fruitie
post Nov 21 2016, 11:17 AM

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QUOTE(Ramjade @ Nov 21 2016, 11:15 AM)
Not sure if promo can uplift early and get that rates. Never done it before.
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Can uplift early and I roughly calculated the rate, it was around 3.60%.
fruitie
post Nov 21 2016, 04:24 PM

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QUOTE(jasmineh2y @ Nov 21 2016, 01:54 PM)
Is there any min amount?
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QUOTE(Ramjade @ Nov 21 2016, 02:08 PM)
I believed the promo is rm10k? Don't know. If normal limit, see first page.
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Yes, RM 10k if I'm not mistaken. Is it still available? unsure.gif
fruitie
post Nov 21 2016, 08:57 PM

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QUOTE(MinusGear @ Nov 21 2016, 08:50 PM)
Just did a 12months via maybank2u as try out. Problem is how do you tell if you did it correctly? There's nothing that shows that I place under promotional campaign period. It only says rate declared on maturity.
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Mine has the yellow exclamation mark next to the interest rate then click on ! and will see the description. Not sure if it's the same for you.
fruitie
post Nov 21 2016, 09:05 PM

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QUOTE(MinusGear @ Nov 21 2016, 09:02 PM)
For 6 or 12mths?
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6 months. I thought no more quota left for promo? unsure.gif
fruitie
post Nov 21 2016, 09:12 PM

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QUOTE(MinusGear @ Nov 21 2016, 09:10 PM)
That's theĀ  confused.gif thing. If no more quota, should have inform us that there is no more quota, with "do you wish to proceed" warning. Not us placing it, and making us confused.gif for 24 hours before we are allowed to uplift. Lucky just test trial with small amount, but not sure how placement is done through online.

Since you mentioned 6mths, then stillĀ  confused.gif for me since for 12mths deposit I got mixed response even from maybank staff.
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I placed mine on 20.10.16, now not sure. I usually place when my salary is out which is between 18th to 20th of the month. This month just placed normal rate stuff, for short term.

I do my Gia-i via M2U all the time, never do it OTC too.

This post has been edited by fruitie: Nov 21 2016, 09:16 PM
fruitie
post Nov 23 2016, 09:00 PM

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QUOTE(monara @ Nov 23 2016, 07:30 PM)
If place under promo rate, is it still can be uplifted anytime before maturity date?
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Gia-i can be uplifted anytime, minimum is one day.
fruitie
post Nov 24 2016, 12:52 PM

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QUOTE(12321 @ Nov 24 2016, 12:24 PM)
hi all, does this need fresh fund from others bank or frm maybank CASA will do? thanks
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CASA will do. I transfer every month from my CASA.
fruitie
post Nov 24 2016, 10:13 PM

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QUOTE(12321 @ Nov 24 2016, 08:47 PM)
thanks bro. cimb just matured. will do it asap biggrin.gif
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Not a bro though. sweat.gif I think other FD is more competitive? I prefer Gia-i because if its flexibility. biggrin.gif
fruitie
post Dec 1 2016, 11:51 AM

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QUOTE(Chrono-Trigger @ Dec 1 2016, 11:19 AM)
best investment ever.

Invested for 7 days, before withdrawing due to some circumstances, but was pleasantly surprised to be given interest for 7 days!
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They will even give you for one day. laugh.gif
fruitie
post Dec 12 2016, 11:27 PM

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QUOTE(Shah_15 @ Dec 12 2016, 11:16 PM)
hey guys, how to check the interest accrued daily?
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You mean the amount? If I want to know how much I have earned so far, I will just request for uplift, request TAC but no need to proceed further. Can abort the transaction after seeing the amount.
fruitie
post Dec 18 2016, 05:29 PM

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QUOTE(opticc @ Dec 18 2016, 04:48 PM)
thanks will read
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Interest is counted on daily basis. Can be uplifted with minimum one day and will still earn interest.
fruitie
post Dec 18 2016, 08:15 PM

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QUOTE(opticc @ Dec 18 2016, 08:12 PM)
so good, maybank give charity?
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No PIDM protection though. laugh.gif
fruitie
post Dec 18 2016, 08:30 PM

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QUOTE(opticc @ Dec 18 2016, 08:21 PM)
one day maybank declare gia loss all gone
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It will not la, not something new. Been there for years. We are talking about Maybank here, not any shabby bank.
fruitie
post Dec 20 2016, 10:30 PM

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QUOTE(ulai @ Dec 20 2016, 10:19 PM)
how high is the probability that we might lose our principal?
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Probably when Maybank is declared bankruptcy.
However, place at your own risk.
fruitie
post Dec 21 2016, 04:26 PM

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QUOTE(imnotabot @ Dec 21 2016, 04:16 AM)
I've been using this for a few months. Each time I get my salary, I place the estimated amount I will be paying for my credit cards into GIA-i. When I get my next salary, I uplift it and pay for my credit cards in full. Rinse and repeat.

Every month, I get around RM20-RM50 in GIA-i + cash rebate from credit cards.

Anyone else doing the same thing? Is it a stupid thing to do, risking the money to pay my credit cards just to get a few ringgits?
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Been doing it every month on 20th since my salary will be in on 20th or earlier. laugh.gif
Every time uplift 1k to pay for CC outstanding and balance keep for usage, in a way good to minimize my cash spending. laugh.gif
fruitie
post Dec 23 2016, 03:17 PM

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The interest is calculated on daily basis. You can click uplift without actual upliftment and can see the amount already plus interest. smile.gif

This post has been edited by fruitie: Dec 23 2016, 03:17 PM
fruitie
post Dec 25 2016, 11:03 AM

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QUOTE(huaweie5830 @ Dec 25 2016, 10:28 AM)
Hi canĀ  a foreigner open this account ?
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Can. So long he/she has M2U. All my China colleagues working in Malaysia have this after my recommendation.

This post has been edited by fruitie: Dec 25 2016, 11:04 AM

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