bro, putting in fd is not called investing, earning interest. investing means ut, properties, stocks etc.

But isn't the 5 years tenure a too long lock in period? But that is just me. I prefer one year fds so that we could weigh our options again and switch to other better deals (if there is any). But that is uo ti individual preferences.

If FD matured today, can uplift it tmr?

no one can tell if you will win or lose until the tenure ends. To "renew" my expired fd I have to spend 2-3 hours running around thus decided to just lock in and worry about it later.

Different bank branches and banks have different speeds to do things. While waiting at a bank, you could get some idea by timing how long it takes to handle various activities at certain times. I find this kind of collected performance info useful in planning the initial schedule and re-adjusting the timings to banks I could visit.

One solution for the opening problem is to open small FD deposits initially at a number of selected bank branches near to each other in advance when the depositor has the time to do so - maybe on a leave day. The only question is how long your FD account will remain once your FD matures, for you to re-use for another FD cert in the future when their rate is acceptable. Different banks have different operating ways about FD accounts.

Hopefully the eFD placement methods will evolve together with eCASA methods, so that we do not have to go physically to the bank to start things initially.

11 banks within 3km considered good? lol

EPF will be annoucing  the dividen tomorrow. 2015 was 6.4%. Market expects 6%. It is still good to place rm60k max for those self-employed. current bank interest rate range from 3.9 to 4.05%.

I think hlb so far offered a better rate right now...

From 3 February to 31 March 2017, the Ambank TD-i promos complete with monthly payment of interests are:-
3.68% for 8 months minimum 10k.
4.08% for 8 months minimum 50k.
Nobody said anything about 4% for 12 months when I was at Ambank today 20 February 2017.
There are also the usual bundled offers with fantastic figures.

I did not read or hear any such age condition at all, but the it is just a single piece of paper and staff talk. Anything can still happen in the nitty gritty. Ambank has a huge range of products. One interesting feature about Ambank is monthly interest for seniors as against others. However in, this promo, I believe the offer is for all. Please check - the staff could mean me - an obviously old person and not everyone as I assume she meant.

And both principal and interest is not guaranteed rite?  It sound like some fixed income fund.    I invested in Affin Hwang Fixed Income fund too end of last year for 3 yrs.  Too malas to hunt for FD every now and then but I do still have several FDs in hand just in case I need some funds.    If you are sure you wont need the fund or like me, those funds have been renewed in FD year after year after year (more than 10 yrs) so thats why i move some to fixed income funds.

sifu, ambank pb need 200k, can be in fd, not only casa.

oso, 3 posts in a roll. can be considered spamming. please use "add" reply.

cant, max 30k.

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Managed to put more than 25 pcs in a day by M2U.

I miss out on alliance bank fd gold promo 12months min 50k 4.05%. Is there any other bank providing 4.00% for FD? Thanks in advance.

Seems ok.
Some forummer mentioned that Maybank allows more than Rm30 FPX transactions but I have not verified this.

When the FD mature, how do we get back the fund if we do not have saving account in Hong Leong?

Anyone into Ambank 4.35% - 5 years promotion?

Is that good?

US going to raise rates 50 - 75 basis points this year....

Hence, BNM going to raise at lease 25 basis points....

4.35p.a is a fool hearty deal.