Thanks !

Checked my link, it is the same. Anyway tried using the link u gave, after log in a while, the antivirus kicked in again.

Downloaded HL Connect app. But cannot find the TIAi after log in. May have to miss the TIAi renewal for at least a day until I resolve this issue.

try disable antivirus

probably the antivirus/firewall is blocking the portal from completely loading

this may happen when the antivirus signature updates somehow erroneously filter certain data from loading.

try disable antivirus

probably the antivirus/firewall is blocking the portal from completely loading

this may happen when the antivirus signature updates somehow erroneously filter certain data from loading.

Thanks for the suggestion. I think will try that tomorrow. Don't want to get online acct blocked due to too many times issues.

Luckily today small amount TIAi matured. Able to see it in HL Connect app but unable to renew the TIAi. Saw eFD link only.

Thanks for the suggestion. I think will try that tomorrow. Don't want to get online acct blocked due to too many times issues.

Luckily today small amount TIAi matured. Able to see it in HL Connect app but unable to renew the TIAi. Saw eFD link only.

I always opt for no renewal for HL TIA, and at any placement that have such an option. This is to prevent any money loss due to to total penalty loss of daily interest after auto renewal at current normal rate instead of promo rate in case cannot access or forgot the maturity date. At least get some savings interest rate instead of dead loss. This is one of the things to do to avoid losses  and maximise gains because of how eFD, FD and TIA works.

All my HL TIAi also no auto renewal.  In case other better promo come along, also for splitting or combining purpose

Anyone knows that can we cancel our RHB FD through online, if the FD PLACED otc

Thanks for the suggestion. I think will try that tomorrow. Don't want to get online acct blocked due to too many times issues.

Luckily today small amount TIAi matured. Able to see it in HL Connect app but unable to renew the TIAi. Saw eFD link only.

So you were actually having trouble in making a NEW placement application if your matured TIA principal and interest was opt to be creditted into your CASA account, besides having trouble loading the HLConnect?.

Sharing about splitting and combining purpose, I usually place a principal that will mature with the interest (full interest or periodic monthly or step interest) that is internet transferable on maturity date. This depends on the daily maximum transfer limit of the bank. In particular, MBSB has a small RM 9,000 daily transfer limit. The idea of placing bigger principal and going personally to do OTC transfer at the bank is best avoided in Covid times.

The placing of these type of principal over various days instead of in one day by internet banking also allows us to experiment and check on the effect of transferring in and placing at different times to determine cut-off times and weekend effects of various banks. This is the kind of operating info I use nowadays to handle Covid and internet banking versus previous OTC operating procedures for getting the best deals in promo musical chairs, timing of cashflow and dispersion.

AFAIK you can only do TIA-i subscription through web version only. I've only done it through web as well.

If I remember correctly, I tried to place for this when this firecracker Chinese New Year TIA-i promo was mentioned. However, I aborted as the placement as the promo was cut short in only a few days and the rate dropped to 2.40 % instead of the advertised 2.45 % for 11 -26 Feb 2021.
I believe by 17 Feb 2021, the HLIB TIA-i p0m6 rate was already down to 2.40 %.
For RM 5,000, you should get exactly 5000 x 181/36500 x 2.4 = RM59.50. You will not get RM 59.51 because HL Bank is one of the banks that uses the Round Down Nearest Sen (rdns) method for rounding, compared to other banks that use Round To Nearest Sen (rtns) method. If you keep proper records and calculation, you can discover how each bank calculates profits/interests.
If somehow you can prove in the receipt that it was 2.45 % at the time of placement, then you can ask the bank to correct it.
You can then get 5000 x 181/36500 x 2.45 = RM 60.74 rdns and not RM 60.75 rtns as profit.

There are 181 IBD from Effective Date 17 Feb 2021 to 17 Aug 2021, and HL uses 365 divisor for all years.

Effective Rate is simply a rough guide and always off (wrong) because it is a simplification that does not take into account the distorting nature of calculating interest  based on Interest Bearing Days (IBD). This is one of those instances where the common understanding/calculation is always 100 % wrong all the time because it is just arithmetically impossible.

What you are trying to determine is not called Effective Rate which is a  %  per annum. It can be termed Actual, Real, Paid, Collected, Return or Yield rate on your principal (depending which math, finance book, or author you read or follow}.

tried hlb TIA 2.45% 6months 10k
received iA-i profit 121.49 which is equal to 181/365 * 2.45/100 * 10000

Cimb preferred TIA campaign  (fixed rate) 2.45% for 12 months tenure.
Non campaign rate is subject to change

AFFIN Invikta..12 months promo 2.55%
Minimum amount per certificate 50k

I have tested  and can confirm the requirement to hold certain amount in the Invikta current account doesn't seem to be mandatory. My Invikta balance has been at RM 2.19 for past few months

oot. was offered invikta but rejected. holding basic saving acct now. how much yearly invikta charge?

Received call n said they have escalate my issue (due to system issue) n shall receive the shortfall interest within 1-2 weeks time..