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 Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only

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ericlaiys
post Dec 8 2023, 09:41 PM

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QUOTE(jananan @ Dec 8 2023, 04:45 PM)
Rize only first 5K right go get 5% the remainder still at 4 ?
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but u must have a strong heart when use rize. u can check out FB and forum on what happened on 1st dec
ericlaiys
post Dec 20 2023, 10:33 AM

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QUOTE(fencheong @ Dec 20 2023, 10:19 AM)
I should take out HLB 3.95% 12 months and put it into MBSB 4.4% 12 months.
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my fd just got renewed on mbsb. only 3.2% so i've opt out

This post has been edited by ericlaiys: Dec 20 2023, 10:33 AM
ericlaiys
post Dec 21 2023, 06:44 PM

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QUOTE(joeblow @ Dec 21 2023, 05:29 PM)
Thanks for info. Do you know how MBSB deal with FD maturity on Sat or Sun or PH? Will the FD date automatically move to the next working day? ie if 8th Feb 2025 matures on a Saturday will the FD straight away to go 10th Feb maturity? Or you will burn the weekend interest?
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next working day
ericlaiys
post Jan 5 2024, 11:08 PM

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QUOTE(virtualgay @ Jan 5 2024, 09:07 PM)
slighly out of topic - do you think malaysia OPR will cut if US were to cut? or we will just continue with our current OPR since US raises and we did not raise. if we CUT our FD rate will be like around 3.5% sad.gif
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my opnion is no as several times fed increase rate however we dont.
ericlaiys
post Jan 8 2024, 03:23 PM

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QUOTE(gamenoob @ Jan 8 2024, 03:10 PM)
MBSB offering 3.9% for up to 5yrs if anyone interested
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no benefit if lock down too long. plus if you withdraw, u lost 5 years interest. not worth it
ericlaiys
post Jan 12 2024, 11:24 AM

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QUOTE(spreeeee @ Jan 12 2024, 11:19 AM)
hi all.. good day.. i'm trying do online for new fd placement in hlbb portal

i have existing fd which still active..

why there is a need to select and link to existing fd, for this new placement?
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u need to select account of your FD. like mine i got 2, so i can select to which acc
ericlaiys
post Jan 12 2024, 01:15 PM

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QUOTE(spreeeee @ Jan 12 2024, 12:43 PM)
thanks for this!
8mth promo 3.9% now..  thumbup.gif
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next week or next 2 week going to release cny fd. why u put so fast?

ericlaiys
post Jan 14 2024, 10:37 AM

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QUOTE(CommodoreAmiga @ Jan 14 2024, 10:33 AM)
Legend has it...lazy people don't make money...
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correct is ...no pain, no gain...lol
ericlaiys
post Jan 21 2024, 01:08 PM

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QUOTE(mavistan89 @ Jan 21 2024, 11:59 AM)
When, sure got meh
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some bank already started, check previous post
ericlaiys
post Jan 24 2024, 04:26 PM

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time for bank to release cny fd rate:
https://worldofbuzz.com/just-in-bnm-maintai...4xUgkYNyvGgdDhQ
ericlaiys
post Feb 1 2024, 07:33 AM

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QUOTE(ruudygh @ Feb 1 2024, 02:47 AM)
I dont understand... why are the FD rate for over the counter higher than online?

Why are banks encourage us to go to Bank when it can easily be done online?
Is it their counter staffs have nothing to do? Or is it they want many people to squeeze inside the bank to make the bank looks very busy and lively?
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traditional bank concept. forever crowded and inconvenient. now waiting for digital bank to change and replace traditional method
ericlaiys
post Feb 6 2024, 05:09 PM

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QUOTE(chinkw1 @ Feb 6 2024, 05:04 PM)
The HLB eFD, must fpx from other bank only?
If our $ is already in hlb, how?
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normal rate. must from other bank
so u transfer out from hlb and then do efd.
a bit dumb but it work
ericlaiys
post Feb 9 2024, 04:05 PM

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HLB CNY FD Promotion
https://www.hlb.com.my/en/personal-banking/...otion-2024.html
ericlaiys
post Feb 9 2024, 04:17 PM

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QUOTE(BenChiew @ Feb 7 2024, 07:12 PM)
Maybank Islamic is running a promo with 3.7% for 6 months. Anyone have further information as to when the promo ends?
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FD 3.75% -MBB
Refer to https://www.maybank2u.com.my/maybank2u/mala...kxoCeJ4QAvD_BwE

This post has been edited by ericlaiys: Feb 9 2024, 04:18 PM
ericlaiys
post Feb 12 2024, 01:11 PM

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QUOTE(chinkw1 @ Feb 12 2024, 01:08 PM)
ASNB vs. FD

ASNB interest/dividend seems slightly higher than FD, whats you guys think about these 2?
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asnb can get 3 month, 6,9 month interest? asnb hard to buy and sell. always no unit
ericlaiys
post Feb 12 2024, 02:41 PM

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QUOTE(chinkw1 @ Feb 12 2024, 01:15 PM)
Oic, its not go to bank & terus can invest one meh?
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online also can do
ericlaiys
post Feb 12 2024, 06:35 PM

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QUOTE(N9484640 @ Feb 12 2024, 05:22 PM)
Need some advise. Which would you take -
6m - 3.65%
12m - 3.75%

Should I take 6 months and hope the rates will go up later half of the year or just take 12 months now? Amount is 150K
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hlb -3.75 for 6 month
ericlaiys
post Feb 17 2024, 09:12 AM

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QUOTE(cclim2011 @ Feb 17 2024, 08:48 AM)
more to nag is losing interest for a couple of days. someone need to bear the cost.
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what to nag? consider happy when got back money. else crying
ericlaiys
post Feb 18 2024, 11:40 AM

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QUOTE(blue litmus @ Feb 18 2024, 09:29 AM)
Hi have a question here...the interest that I suppose to get frm mature HLB efd is short of 1 cent... different from the selling price stated in bank statement. Should I make a complain?
I called twice and both promised to call back but no news.
Then 3rd time, the CS agent told me to withdraw the day after maturity to avoid certain interest being deducted...I'm quite confused...
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1 cent forget it. next time set credit to account. no need renew auto. dont forget 366 days rather than 365 days

This post has been edited by ericlaiys: Feb 18 2024, 11:41 AM
ericlaiys
post Feb 26 2024, 10:11 AM

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QUOTE(cckkpr @ Feb 26 2024, 09:48 AM)
Yeah, I missed that.!Renewal due from next month onwards. Not sure what’s the rate then. Probably 3.7 to 3.8 or lower. Will probably shift a big portion to EPF n ASM, if possible.

Public Mutual keep sending reminders to invest in China funds. The 5% sales charge is a big no no. May go for Versa Growth
Fund again.
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i checked efd- did not get that rate. wonder this rate is for otc?

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