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Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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David_Yang
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 Jul 4 2021, 07:27 PM
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QUOTE(Garysydney @ Jul 4 2021, 07:35 AM) Personally i prefer efd but my wife wants the fd to be in joint names (you can't do joint names with efd). I am very reluctant to do OTC at the moment with the current Covid situation but my wife is very insistent that we have the fd in joint names (just in case something happen to me). I am already 59 now so my wife is worried that if i get Covid, i may not survive - i tell her i have left her everything in my will but she still wants the fd to be in joint names  Your wife is right. Having it in the will is one thing, getting the money out is another. Ugly stories around that it took ages until finally get the money out. |
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David_Yang
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Jul 8 2021, 10:25 AM
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Today MPC meeting. Everybody expects OPR unchanged at 1.75. Statement will come out after 3pm.
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David_Yang
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Jul 14 2021, 09:04 AM
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QUOTE(Micky78 @ Jul 13 2021, 04:15 PM) bank raykat can renew FD based on whatapp? the WA is w branch manager or HR directly? The "ice cream" advertisement flyers from BR with the 2.48, 2.58, 2.78 should include the names and whatsapp numbers of the branch staff that handles this. This renewal by whatsapp works really great, much better than the priority banking of others  |
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David_Yang
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Jul 17 2021, 11:14 PM
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QUOTE(Human Nature @ Jul 17 2021, 07:43 PM) What is your sentiment on the FD rate movement? I am a bit reluctant to put 18 months tenure as it will now mature in 2023. Psychologically it is like a 2 year wait. 2.78% 18 mths vs 2.58% 11 mths Meanwhile I tend to look into 18 mth as I don´t see any positive action from Bank Negara at the meetings in September and November. But anyway I ignored my feelings during the last months and just mixed the matured BR FDs into 11 and 18 months, so whatever happens I will think I did it right and that is more precious than a few RM interest more or less |
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