Any amount more than RM 200K from KDI can put in Stashaway to earn 2.9%.
I just deposited RM 1000 to StashAway to test.
You can ask for the free ATM card that has limited usage.

The good old times (for depositors). Brochure from my time capsule, early 1980s. I liked that 15-month rates were still "negotiable" 

Wait for few days, BNM likely to increase rate. Got money park in flexi first and wait for higher FD promo rate.

here it is - CIMB fria-i, 12m 3.90%; 6m 3.70%, 3m 3.20%.

this is online FD for clicks users, not TIA 4.05% (OTC only, i think).

https://www.cimb.com.my/en/personal/promoti...imb-clicks.html

not bad, i think!

can do 6m 3.7%, see what happens by may 2023.

if hikes stopped by then, can lock in longer.

Even if there is a small risk component and also because it is not covered by PIDM, the chance of us not getting back our money or the interest promised will arise only if the Bank itself will not honour any potential shortfall in the investment which shortfall if any is never disclosed to investors. And which bank will want to fail to honour it, more so a large bank like CIMB? It would be disastrous to customer confidence in their business. I think this will only happen in a serious business failure, or in a banking crisis. In the event of a systemic banking crisis, PIDM will not be able to withstand bank runs either, to pay back all depositors.

Any views on the above?

6m is good. by may, all shud be stable, can decide if longer periods then.
if it makes sense... u may want to uplift this 3.70%, place again at 3.75%!

i gave up 1 month of previous 3.05%, go for this 3.75% 6m - better overall for next 5 months.

these changes r only possible with online transactions... if OTC, tak pakai... too much work, travel, waiting, petrol, parking...

u missed out BI 6m 4.0%
both also 12month FD right?
losing 40days of interest for an extra 0.7% is not quite worth it.
gain is only RM32 over such a long period of time, i would not  have lifted that
not worth it,
every RM100k gain only RM32 in 405 days.. too little

40D  lost is  rather long for additional 0.7% rate
Based on principal  of RM100k
on new maturity date the 3.05% FD would have earned RM668
for new FD  maturing on that day extra gain is only RM700 over the old FD
Withdraw instantly lose 40D  int =RM334
New FD gain extra RM700 after 365 +40 D=405days, maturity date 40days later
in that 40days extra your  1st FD can earn additional RM334, so  total there unseen RM668
BR is much easier for subsequent FD. 1st time not much difference.

long no update. i thought i saw someone looking for it.
this is rough reference, please share more / correct info. i will amend.

Latest 3 months FD from SCB at 4.88% OTC

Very well done. So convenient to glance thru all the rates. :thumbsup:  I wonder if you can upload the template so that everyone can participate to edit and update the forum.

Very well done. So convenient to glance thru all the rates.   I wonder if you can upload the template so that everyone can participate to edit and update the forum.

I think shouldn't be a problem. Errors can be corrected by the next person who update it.

Btw, can you add in 1 month as well? For those who want to temporary parking.
Best 1 month so far is cimb 2.5%

Both. Edited and updated.
[attachmentid=11305666]

thanks. tried both this and the fria but both doesn't let me to proceed. when i click confirm, it just says something like an error message.
will try again tmrw and lose a couple of ringgit.

eFD - only on desktop.
https://www.cimb.com.my/en/personal/promoti...t-campaign.html

fria-i - shud work on desktop and mobile.
https://www.cimb.com.my/en/personal/promoti...imb-clicks.html

if u still can't get thru, something is not right with yr devices - either firewalls too strong or antivirus or ???