thanks boss, you have to jaga two active threads some more. this and FSM. very busy!
Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF
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Nov 8 2016, 02:26 PM
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#1
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664 posts Joined: Jun 2009 |
thanks boss, you have to jaga two active threads some more. this and FSM. very busy!
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Nov 8 2016, 02:28 PM
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#2
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664 posts Joined: Jun 2009 |
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Nov 8 2016, 04:54 PM
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#3
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664 posts Joined: Jun 2009 |
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Nov 9 2016, 08:10 AM
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#4
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anyone going for the gia-i step up campaign? 10k minimum, effective rate 4.10% per annum
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Nov 9 2016, 08:14 AM
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#5
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664 posts Joined: Jun 2009 |
QUOTE(AIYH @ Nov 9 2016, 08:12 AM) first, not sure still have quota or not gia-i should discuss here! not at FD threads! dont they know the difference?? second, need 10k and 12 months, no money plus too long :lol FD forum a lot of people discussing that yea, i satisfy both of your problems too. no money and too long and no insured. kinda risky for my liking. |
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Nov 9 2016, 08:34 AM
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#6
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QUOTE(epie @ Nov 9 2016, 08:28 AM) what is ur opinion about the risk involve? everyone has a diff risk profile. low, medium, high. if you are ok with it then go for it. i am confident with maybank and i think the risk is really small to none 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. |
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Nov 9 2016, 08:41 AM
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#7
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QUOTE(epie @ Nov 9 2016, 08:37 AM) i see...so the situation is different this is how i handle my funds. i put them all in maybank2u savers with 2.xx% per annum with a balance of more than 2.5k. make gia-i for two months. i dun have any other choice...cannot put in fd my fund only available for 1 or 2 weeks in a month and i wanna make some money out of it i never compare gia with fd in your case, still doable. put in gia-i for two weeks, reap the rewards, take it all out and rinse and repeat every month. no penalty for taking it out early if that is what you are worrying. |
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Nov 9 2016, 08:44 AM
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#8
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QUOTE(christ14 @ Nov 9 2016, 08:38 AM) thanks all sifu for explaining and giving real feedback like calculations and scenarios... at least you guys are not like some others..karit knowledge and tebal kulit like on some othe sub forum lel... not sifu la. even my rank is junior member compared to you senior member! just wana buka acc and my cimb got credit limit they have their reasons not to share their knowledge. for me, i got no loss or gain telling you all this. in the end, it makes you a better handler of your money and that's great in my opinion. anyway, with your new found knowledge, hopefully you can pass it forward to everyone u know and who needs it. |
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Nov 9 2016, 08:46 AM
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#9
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QUOTE(AIYH @ Nov 9 2016, 08:44 AM) If promo FD have better rates than GIA and you have the money, by all means go for it dont be surprised some people look at that 'PIDM insured' very heavily. so they have their reasons to always go for PIDM insured stuff so that they know their money is well protected. However, just wondering, from my POV, GIA is definitely better than normal SA given they have similar function with multiple fold higher rate. Although GIA and board FD don't differ by much, GIA still better in slightly higher rates and penalty-less uplift, provide much better flexibility? My concern is that what is the bottom line for people to prefer SA (PIDM but very low interest) over GIA (no PIDM but higher rate, although risk very very very low)? reminds me of all those commercials about PIDM on the radio. sometimes wanna throw the shoe at it. |
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Nov 9 2016, 09:21 AM
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#10
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664 posts Joined: Jun 2009 |
QUOTE(christ14 @ Nov 9 2016, 09:17 AM) im not sure about this if i have not read it or not found.. but can we open like 2-3 gia acc? for example. first one 3k. not gona do anything. 2nd one open put in 1k. 2 weeks later take out pay cc. 3rd one more or less same as 2nd ? ramjade should have done it before. i think it should be ok? |
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Nov 11 2016, 07:56 AM
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#11
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664 posts Joined: Jun 2009 |
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Nov 11 2016, 09:04 AM
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QUOTE(bearbear @ Nov 11 2016, 08:50 AM) thanks, I know the rate. the worry is if they will honour the rates as the beauty of 12 months is that the better rates only kicks in at 2nd half of the tenure. if u really follow their T and C, it's up to them to change the rate. what they advertise might not be what you will get . however, the best condition is you will get what they promote. all you can do is wait it out and hope for the best. |
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Nov 18 2016, 08:56 AM
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#13
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might as well check here for rates from people who posted them. thanks!
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Nov 30 2016, 09:23 AM
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664 posts Joined: Jun 2009 |
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Dec 1 2016, 05:07 PM
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i see a lot of discussion about this in fd thread. why not just discuss here?
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Dec 2 2016, 11:32 AM
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#16
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Dec 2 2016, 02:14 PM
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664 posts Joined: Jun 2009 |
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Dec 23 2016, 04:25 PM
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Dec 30 2016, 02:23 PM
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already how many pages still ppl don't get the whole idea of this fully. need a summary in the middle of thread for this.
5k for 1 month min, 1k min 2 months and above, returns around 3.55% per annum. put in one day, take out, count interest as well. no penalty. there are options to credit to principal or account. read and choose wisely when you are depositing. |
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Dec 30 2016, 02:37 PM
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#20
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QUOTE(1tanmee @ Dec 30 2016, 02:35 PM) of course, credit to principal means it will put in your principal and if you set to renew auto, it will run with your new principal amount, if not, it will renew with initial principal and your returns send to your account. |
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