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Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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hurtedheart
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 Jan 22 2017, 05:38 PM
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QUOTE(Ramjade @ Jan 16 2017, 10:41 AM) Sifu, any other alternative to Maybank eGIA-i other than CMF? :confused:  QUOTE(cklimm @ Jan 16 2017, 10:46 AM) comparing similiar stuffs, money market funds/dana nabeel/ trust money in investment banks are the closest siblings to GIA, but still lose in term of interest and flexibility compared to mgia I placed most of my savings in bond fund & monitor on monthly basis. As long as the monthly return yields 0.5%, then it beats GIA which is equivalent to 0.3% / month, drawback is flexibility but still ok for me as I have sufficient reserve in GIA for emergency. |
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hurtedheart
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Feb 2 2017, 08:01 PM
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? So many of you closed the m2u savers account, what if emergency happens in the midnight or early morning, can't uplift the GIA..wouldn't you be afraid the emergency fund couldn't act in the event of emergency? Or is there any more flexible instrument than GIA?
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hurtedheart
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Feb 2 2017, 08:33 PM
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QUOTE(Ramjade @ Feb 2 2017, 08:13 PM) Guna la credit card. At night go sleep la.  New rate. New rate will always be released on the 15th of the month. QUOTE(fruitie @ Feb 2 2017, 08:22 PM) There's still normal savings account, for e.g. Wadiah Savings... There's CC anyway. I hardly withdraw money for emergency. Haha, thanks for the reply. Just that I was curious as some mentioned whenever have 1k then will put into GIA, but emergency 1k may not be enough. So looks like CC is the immediate recourse if unable to uplift GIA .. |
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