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

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cklimm
post Dec 1 2017, 09:46 AM

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QUOTE(Prop.Observer @ Nov 30 2017, 05:17 PM)
Are you sure?pls guide me if can done by online.
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https://www.hlb.com.my/en/personal-banking/...ve-account.html

It can be done online via link above, no, unker is too old and malas to guide anyone
cklimm
post Dec 8 2017, 04:39 PM

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QUOTE(gsc @ Dec 8 2017, 10:44 AM)
Anybody makes withdrawal on CIMB unfixed deposit? How does it work?
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the withdrawn amount will lose interest, while the remaining are still earning interest at agreed rate
cklimm
post Dec 10 2017, 07:08 AM

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QUOTE(gsc @ Dec 9 2017, 08:06 PM)
Do you mean those interest credited for the withdrawn portion has to be returned to bank?
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yes, you may not receive the full amount upon withdrawal
cklimm
post Jan 1 2018, 12:35 AM

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HLB 4.2018% for 6 months

https://www.hlb.com.my/en/personal-banking/...ar-special.html


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cklimm
post Jan 3 2018, 01:19 PM

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QUOTE(gsc @ Jan 3 2018, 12:57 PM)
Misleading statement...it is FD interest plus  the gold plated dog
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https://www.rhbgroup.com/~/media/images/mal...aign-final.ashx

Dude, its 50k into CASA, RHB has some above 2% casa which is decent though.
cklimm
post Jan 27 2018, 01:19 PM

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QUOTE(attentional @ Jan 27 2018, 01:18 PM)
Anyone?
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No, unless you are allowed to make bullet payment in the end.
cklimm
post Jan 28 2018, 07:15 PM

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QUOTE(rainbird @ Jan 28 2018, 07:09 PM)
Once FD matured, how you guys withdraw or transfer to new FD in another bank?

Withdraw by cheque or IBG?
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I have seen someone withdraw in coins whistling.gif
cklimm
post Feb 6 2018, 02:26 PM

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QUOTE(icannotevenbrain @ Feb 5 2018, 10:47 PM)
Sifus, can i get advise on how you handle your fd parkings?

Is it okay to change fd bank every year (means this year i park xx amount Bank A, next year got better rate i shift to Bank B? will the bank raise eyebrow if i transfer large cash sum (>50k) from same name account from Bank A to Bank B?

Or should i just park my FD at the same bank every year?
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Dont worry
Bankers are busy, they wont even bother about 7 figures transfer.
cklimm
post Feb 14 2018, 11:22 AM

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Latest from KFH,
the effective rate can be much higher due to
1. upfront profit payment which you can reinvest in another fd,
2. higher rate in the last month.

No, unker too lazy to calculate, count it yourself.


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cklimm
post Feb 14 2018, 08:18 PM

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QUOTE(cybpsych @ Feb 14 2018, 07:58 PM)
Closure of Mach by Hong Leong Bank Branches [ HLB ]
Kuala Lumpur, 12 February 2018


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They had really good online FDs half a decade ago, how time flies cry.gif
Even 4% was considered god sent back in 2013


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cklimm
post Aug 3 2018, 02:00 PM

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QUOTE(BoomChaCha @ Aug 2 2018, 07:59 PM)
I got this FD info from counter
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Unker, which branch? My local branch tak tau wei
cklimm
post Mar 5 2019, 02:51 PM

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QUOTE(guy3288 @ Mar 1 2019, 09:21 PM)
Bank Islam gift like this only
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Gosh, is that a Lego? Kids sure like it
cklimm
post Apr 25 2019, 11:25 PM

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QUOTE(Johnslow @ Apr 24 2019, 11:24 AM)
was looking at HSBC advance, why got RM10 fee every month? Any other extra cost compared to regular savings account?

Can put FD then 6 months promo lapse close account.
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RM 10 for those having <30k
cklimm
post May 11 2019, 10:35 PM

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QUOTE(cybpsych @ May 10 2019, 09:44 PM)
PB Enterprise FD Campaign
- 10 May 2019

Please be informed that the promotional interest rates for “PB Enterprise FD” Campaign will be revised with effect from 13 May 2019.

Click here for the revised Terms and Conditions in English.

PB Fixed Deposit/Term Deposit-i Campaign
- 10 May 2019

Please be informed that the promotional interest / profit rates under the “PB Fixed Deposit / Term Deposit-i” Campaign will be revised with effect from 13 May 2019.

Click here for the revised Terms and Conditions in English.

3-Month 3.45% (from 3.80%)
6-Month 3.60% (from 4.00%)
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OPR drop 0.25, they drop 0.40 dry.gif

This post has been edited by cklimm: May 11 2019, 10:36 PM
cklimm
post May 13 2019, 08:54 PM

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People, ever seen FD rate as low as 2.5%?

https://www.hlb.com.my/en/personal-banking/...rest-rates.html

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cklimm
post Jul 1 2019, 08:40 PM

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QUOTE(whycanot323 @ Jul 1 2019, 08:18 PM)
hlb digital day is normally on what date? refer to previous years
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7 July, dont expect too much this year
cklimm
post Jul 2 2019, 11:20 AM

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QUOTE(mamamia @ Jul 1 2019, 09:29 PM)
My guess will be either 7 months step up FD or 4.07% the max..
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QUOTE(Wong Kit yew @ Jul 1 2019, 09:37 PM)
HLB Digital Day
7  7  2019  1 day eFD  4.07% 10k  for 3 months and the rest of the day 3.77%.
https://www.hlb.com.my/en/personal-banking/...l-day-2019.html
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It turns out to be decent smile.gif
cklimm
post Aug 6 2019, 09:59 AM

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QUOTE(bigfanofcars @ Aug 5 2019, 08:01 PM)
ambank got promo bundle with Amanah saham.  must split half in amanah half in fd. amanah will be charged 5% one time service fee. fd interest rate 5% for 12 months.
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Good deal, if can bundled with ASM1 2 3
cklimm
post Aug 23 2019, 07:45 AM

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QUOTE(saintmikal @ Aug 22 2019, 03:21 PM)
Just received additional details
1. 3 year fixed short term savings plan with Prudential
2. 4.15% first year, 4.0% second year, 4.0% third year
3. Principal and returns guaranteed from Prudential
4.  If uplift early, interest forfeited
5. If uplift year 1, 95% principal returned
6. If uplift year 2, 97% principal returned
7. If uplift year 3, before maturity, 99% principal returned
8. Interest paid yearly
9. If you die before maturity, your nominated beneficiary gets 101% payout of sum deposited
10. Min RM 20k, max RM 2.0 mil

Looks safer than Bank Rakyat or any other 'Bank' not protected by PIDM. Also, sum guaranteed by Prudential significantly higher than the RM 250k offered by PIDM.

Attractive for long term lock in provided you do not need the Capital and wanted higher interest rates since it looks like interest rates will be falling soon.
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QUOTE(Free Spirit @ Aug 22 2019, 04:21 PM)
With FDs, you only lose the interests if you uplift before maturity.

With these savings plans, you lose your principal as well.
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Well, although the rate is no way better than FDs, and subject to principal losses prior to maturity, should it is purchased using Maybank Amex, it makes 100k treat points yo.
Disclaimer: I have lost my Amex and have it cancelled.
cklimm
post Aug 23 2019, 07:45 AM

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**duplicated post**

This post has been edited by cklimm: Aug 23 2019, 07:45 AM

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