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

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SUSlowya
post Dec 30 2016, 02:46 PM

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QUOTE(cybpsych @ Dec 24 2016, 02:31 PM)
just placed 2 placements for GIA promo 6-mth 3.90% p.a. (effective). m2u shows (!) icon incidating promo rate.
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strange, i placed but no icon show promo rate, not even mention of rate!
SUSlowya
post Dec 30 2016, 05:50 PM

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QUOTE(cybpsych @ Dec 30 2016, 02:52 PM)
it seems like hit-and-miss situation.
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what do u mean? the m2u never mention promo rate, how to confirm or redo it?
SUSlowya
post Dec 30 2016, 06:30 PM

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QUOTE(cybpsych @ Dec 30 2016, 05:56 PM)
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.
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the problem is the system never mention of quota, they just accept without mention what rates they giving.
SUSlowya
post Dec 30 2016, 06:31 PM

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Campaign Period: From 16 Oct 2016 till 15 Feb 2017

Note: Due to the overwhelming response, we have fully utilized the GIA-i campaign limit for both 6 and 12 months. We thank you for your continuous support. Stay tuned to enjoy other great deals.

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

no more promo?
SUSlowya
post Feb 3 2017, 07:18 PM

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the GIA term say 12months is quite redundant isn't it?

as you can choose interest (in GIA case they call it profit) to be credited back into principal.
SUSlowya
post Feb 21 2017, 02:50 PM

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QUOTE(suadrif @ Feb 21 2017, 08:52 AM)
guys

i just dont understand what does it mean by

Profit Sharing Ratio (PSR)
Investor / Bank
70 / 30
what does it mean?
and another thing, which one did u choose?
a) Mudarabah Investment Account
b) Islamic Deposit Account:

let say if i click "dont want to open investment account", is my transaction will be cancel?
i afraid later maybank create another one additional unnecessary account for me
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it means bank's brokerage fee is 30%, if you know where they invest and u invest it directly, you would have earn 30% more from the mere so called profit that they cannot call it as interest rate.
SUSlowya
post Jun 17 2017, 01:26 PM

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eGIA if select 12 months at 3.85% (current campaign rate), but withdraw 2 weeks later still got interest? any penalty?
SUSlowya
post Jun 17 2017, 03:58 PM

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QUOTE(AskarPerang @ Jun 17 2017, 03:29 PM)
There is no eGIA at such rate. Or you meant eFD?
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just saw the campaign rate after click GIA > add placement.

one thing i hate about GIA is they never mention the rate the give you in the summary page. How do u even know they will give u that rate in the end, no proof, nothing at all.
SUSlowya
post Jun 17 2017, 03:59 PM

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QUOTE(lowya @ Jun 17 2017, 01:26 PM)
eGIA if select 12 months at 3.85% (current campaign rate), but withdraw 2 weeks later still got interest? any penalty?
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anyone can confirm pls?
SUSlowya
post Jun 17 2017, 06:40 PM

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QUOTE(cybpsych @ Jun 17 2017, 06:17 PM)
show where does it say 12mth 3.85%

the promo inside M2U is stated eFD not eGIA. maybank website has the full T&Cs for this eFD.
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its 3.83% for 12m, i just saw it's eFD, what is the difference between eFD and GIA?




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SUSlowya
post Jun 19 2017, 09:01 AM

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QUOTE(Amaru @ Jun 18 2017, 10:17 PM)
eFD pays at the end of your placement period - no monthly interest payment.
This eFD promo rate for 12 months is also higher than 3.45% for GIA.

I chose to place the eFD promo because eGIA rates keep getting lower.
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GIA pays monthly interest right? if only half month do they pay interest by daily calculation?
SUSlowya
post Jun 21 2017, 05:36 PM

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QUOTE(Ramjade @ Jun 19 2017, 05:42 PM)
Yes. FD without PIDM.
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massive GIA withdrawal soon on last day of July, probably also RIP date of GIA.
SUSlowya
post Jul 20 2017, 12:57 PM

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QUOTE(aeiou228 @ Jun 19 2017, 11:33 AM)
Maybank is patching up the loopholes, you still can enjoy any time withdrawal with full interest paid until 31 July 2017.
1st Augst onwards, game over.
hi bro, is above statement still valid? now already end of july.
SUSlowya
post Jul 20 2017, 02:09 PM

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QUOTE(jack2 @ Jul 20 2017, 01:29 PM)
Where got end of July? Today is just 20 July. Your calendar definition calls this as End ah? laugh.gif
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yes.
SUSlowya
post Jul 20 2017, 08:02 PM

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QUOTE(aeiou228 @ Jul 20 2017, 07:46 PM)
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.
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i guess i will just uplift it anyhow without putting it back as there are FD 4.3% elsewhere.

Once GIA lose the flexibility option, its time to say goodbye and hello to other FD promo.
SUSlowya
post Jul 31 2017, 05:43 PM

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QUOTE(Strike8 @ Jul 31 2017, 01:01 PM)
Anyone tried the above steps already?
I tried withdraw but the interest rate is much lower than expected.....  sweat.gif  sweat.gif
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if u placed during the campaign, you have to mention to the staff it was campaign rate and they will then add, if not they probably just go with the system default, don't ask me why, but their system are that kind.
SUSlowya
post Nov 2 2017, 02:17 PM

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withdrawn all already because no interest for premature withdrawal.

But is there any reason to stay on that i might have overlooked?
SUSlowya
post Nov 2 2017, 02:53 PM

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QUOTE(ytan053 @ Nov 2 2017, 02:38 PM)
If you dont need the money yet, can still leave it there. As long as you have placed the money in GIA prior to 1 August 2017, the interest is still calculated daily until the day you withdraw.
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no point leaving there as pidm coverage fd offer 4.2%. just asking if there is any reason to put new fund for short term reason.
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