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

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monara
post Nov 8 2016, 07:11 PM

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Good job TS, finally have its own thread! πŸ˜πŸ‘
No need to tumpang other thread anymore lol.
monara
post Nov 8 2016, 08:52 PM

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QUOTE(AIYH @ Nov 8 2016, 05:24 PM)
If you decide to opt for tenure longer than a month (say 6 months) and let it stay idle for more than a month, then the profit is paid monthly to either casa or add into principal (whichever you choose) smile.gif

-This 1 suppose add into principal is better right? Automatically compounding it.

However, if you decide to uplift prematurely (which is how most of us do anyway laugh.gif), then you will get the profit upon upliftment smile.gif
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-If do this then the deposit plus interest will all transferred to other casa?
monara
post Nov 8 2016, 11:13 PM

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QUOTE(AIYH @ Nov 8 2016, 09:25 PM)
In theory it should be smile.gif

But i have yet to try since I uplift most of my cert weekly  laugh.gif
Used to be, but ever since I get to know ASx and FSM, i put some into ASx FP while the rest dump into Asnita liao laugh.gif

Still, given eGIA-i special nature, I treat it as my quasi saving account dy tongue.gif other SA and FD all not practical to compete liao (to me at least) laugh.gif
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If more hardcore can do it daily then.😁
Just wanna ask about the interest declaration, its is monthly based right?
As example, this month interest will be declare early dec?
So if uplift before that, are they using the indicative rate or what?
monara
post Nov 23 2016, 07:30 PM

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QUOTE(AIYH @ Nov 23 2016, 02:05 PM)
Do you place your eGIA under board or promo?

If promo kindly refer to the promo rate

If board, kindly refer to the product website or refer 1st post smile.gif
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If place under promo rate, is it still can be uplifted anytime before maturity date?
monara
post Dec 6 2016, 07:53 AM

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Guys, what is MMF?
monara
post Dec 17 2016, 06:58 AM

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QUOTE(apathen @ Dec 16 2016, 04:54 PM)
ok that make sense  nod.gif  ... because i was approached by one public mutual agent told to put cash in money market fund, then i asked got maybank eGIA so flexible why the need to buy money market fund anymore, i understand he can make some commission out of it but for us depositor what extra benefit we got? he said i don't understand  ranting.gif  doh.gif
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Perhaps that fund insured by pidm then.. why didn't ask him to explain if really dont understand..
monara
post Jan 26 2017, 06:48 PM

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QUOTE(fruitie @ Jan 26 2017, 04:53 PM)
This is for promo rate only.
Not possible. If there is, please share, gotta be helpful.

I helped my expat colleague to do this GIA-i, she trusts me a lot so let me see her balance.
I helped her to do 6 digit placement, though fixed deposit could be better but she wants something flexible and doesn't really bother about the amount of interest. So long it generates some cash for her. laugh.gif I showed her how to do upliftment yesterday, wow the interest for 1 day is pretty good for her. tongue.gif Didn't uplift anyway, just showing only.

Any better deal than GIA-i for Maybank that is easy to withdraw? tongue.gif
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Wow! 6 digit, if just 100k already about rm10 perday right..

QUOTE(MGM @ Jan 26 2017, 06:21 PM)
Since she trusts u so much, put into ASx but under your name ,6 +%.
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looks like that person want something flexible, which asx cant offer i guess.
monara
post Jan 27 2017, 01:26 AM

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QUOTE(1tanmee @ Jan 26 2017, 08:36 PM)
If 100k can get RM10 daily, I kinda boleh agak-agak how much i can get daily from my 1k placements. keke
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Its 10 cents then😁.. At about 3.60% per year, its around 0.01% per day.
well, sikit2 lama2 jadi bukit. After all, considered high compared with normal CASA.
monara
post Feb 26 2017, 08:39 PM

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Agreed πŸ‘†, a day is until midnite indeed.
Means if deposit today 6pm, no need to wait until 6pm tomorrow to uplift, can start do in morning.
monara
post Jun 12 2017, 08:12 PM

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Guys, with the recent announcement that dividen will be reduced after 16 June, means better to uplift before that date and re placement back after that, or just maintain, before uplift when 1st august? Providing still wanna use Gia account.
monara
post Jun 13 2017, 07:11 PM

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Oh i see, since its daily rated its still the same whether maintain or uplift-replace on that 16 june, as long before 1st august, where no interest for early uplift. Tq guys.
monara
post Sep 2 2017, 11:44 PM

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Already past 1 month after the new rule, anyone checking the bank revenue whether have drastic withdrawal or not lol.

 

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