Welcome Guest ( Log In | Register )

3 Pages  1 2 3 >Bottom

Outline · [ Standard ] · Linear+

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

views
     
vincabby
post Nov 8 2016, 02:26 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
thanks boss, you have to jaga two active threads some more. this and FSM. very busy!
vincabby
post Nov 8 2016, 02:28 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(christ14 @ Nov 8 2016, 02:27 PM)
topic tracked.. tenkiu sifu ts

wonder why this isnt opened earlier lel. ayam lost out alot just sitting funds at SA mega_shok.gif
*
it's ok. at least u found it now.
vincabby
post Nov 8 2016, 04:54 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(bm_kia @ Nov 8 2016, 04:54 PM)
Quick question for those that have uplifted prematurely (since I haven't done this before)

Let say you place for 6 months but do a full upliftment after 5 days. Do you still get interest for that 5 days?
*
yes
vincabby
post Nov 9 2016, 08:10 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
anyone going for the gia-i step up campaign? 10k minimum, effective rate 4.10% per annum
vincabby
post Nov 9 2016, 08:14 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(AIYH @ Nov 9 2016, 08:12 AM)
first, not sure still have quota or not laugh.gif

second, need 10k and 12 months, no money plus too long  :lol

FD forum a lot of people discussing that smile.gif
*
gia-i should discuss here! not at FD threads! dont they know the difference?? mad.gif bangwall.gif #rantover.

yea, i satisfy both of your problems too. no money and too long and no insured. kinda risky for my liking.
vincabby
post Nov 9 2016, 08:34 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(epie @ Nov 9 2016, 08:28 AM)
what is ur opinion about the risk involve?
i am confident with maybank and i think the risk is really small to none
*
everyone has a diff risk profile. low, medium, high. if you are ok with it then go for it.

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.
vincabby
post Nov 9 2016, 08:41 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(epie @ Nov 9 2016, 08:37 AM)
i see...so the situation is different
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
*
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.

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.
vincabby
post Nov 9 2016, 08:44 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
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...

just wana buka acc and my cimb got credit limit doh.gif cant top up to maybank
*
not sifu la. even my rank is junior member compared to you senior member! rclxms.gif

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. icon_rolleyes.gif
vincabby
post Nov 9 2016, 08:46 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
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 tongue.gif

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)? smile.gif
*
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.

reminds me of all those commercials about PIDM on the radio. sometimes wanna throw the shoe at it. bangwall.gif bangwall.gif
vincabby
post Nov 9 2016, 09:21 AM

On my way
****
Senior Member
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?
vincabby
post Nov 11 2016, 07:56 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(bearbear @ Nov 10 2016, 08:09 PM)
you did this on previous promo? i am on 12 months so was kind of worry.
*
if u credit to principal, somehow they cant calculate the rate. so do some manual calculations and u get the rate.
vincabby
post Nov 11 2016, 09:04 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
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. icon_rolleyes.gif
vincabby
post Nov 18 2016, 08:56 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
might as well check here for rates from people who posted them. thanks!
vincabby
post Nov 30 2016, 09:23 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(jasmineh2y @ Nov 30 2016, 09:14 AM)
is Egia works for 1-month placement or must be 6 months and above?
*
5K minimum for one month and 1k minimum for 2 months and above. some even keep one day and take out. so no lock in period.
vincabby
post Dec 1 2016, 05:07 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
i see a lot of discussion about this in fd thread. why not just discuss here?
vincabby
post Dec 2 2016, 11:32 AM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(Azurika @ Dec 2 2016, 11:11 AM)
I believe I need to open the Mudarabah Investment Account here right during the QnA. Sorry, blur sotong here.
*
do you? for what?
vincabby
post Dec 2 2016, 02:14 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(Azurika @ Dec 2 2016, 01:39 PM)
If i click dont open, it doesnt bring me to next page. Hmm .... Always same page, and when click proceed, the QnA page re-appear.
*
u tick no. then what happen?
vincabby
post Dec 23 2016, 04:25 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(jrrsim @ Dec 23 2016, 04:19 PM)
make sure credit to account for everything. i asked before as well.. this forum not always very helpful sadly.
*
and this is where your helpfulness comes in.
vincabby
post Dec 30 2016, 02:23 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
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.
vincabby
post Dec 30 2016, 02:37 PM

On my way
****
Senior Member
664 posts

Joined: Jun 2009
QUOTE(1tanmee @ Dec 30 2016, 02:35 PM)
Difference between credit to principal or account?
*
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.

3 Pages  1 2 3 >Top
 

Change to:
| Lo-Fi Version
0.0228sec    1.05    7 queries    GZIP Disabled
Time is now: 10th December 2025 - 10:16 AM