No issue. Do this all the time. Just don't do FPX FDs to Maybank. Not like their rates are attractive anyway.

It is nevera wise move to get that 0.x% more by investing in crap Unit Trusts. You're better off buying stocks on Bursa and NYSE yourself. Everything can be done on your phone nowadays. It's almost a sure lost in the end, you're stuck with UT cannot sell when price is low.

This is straight FD or split CASA thing?

FDs can be part of safe portfolio, but need to diversify out to stocks. Just FDs alone is very dangerous and not productive enough. Unless you have like RM10 million then ok lah, no eye see. Every year 2% FD also RM 16.7K/mth.

Say the Bank Islam 4.15% is OTC or eFD? I check online like don't have this rate.

I straight do one 3.8% for 5 years at MBSB two months back. Rates will definitely go down slowly.

Not sure. But i foresee rates will drop to 3% by end of this year.

It is monthly interest. If take quarterly interest can get a bit higher at 3.85% i think.

Updated: It is still available.

https://www.mbsbbank.com/consumer-banking/d.../term-deposit-i

This post has been edited by CommodoreAmiga: Apr 1 2024, 05:36 PM

OPR won't go up lah. Gov no balls to do so.

Btw, found another strange thing....got 2 FDs...one at CIMB and one at Public. Same amount, rate and period. CIMB FD get one extra sen. Lol. Public songlap my 1 cent.

I was actually involved in the Bank project to prevent future one cent thief..... The guy show off his expensive cars on TV...and his boss only drive a Honda....Hahaha!

This post has been edited by CommodoreAmiga: Apr 19 2024, 06:35 PM

Also i dunno why, the BI staff like all muka masam only. Maybe because i am Cinapek? Uplifted the other day. Also service slow as fark. Took like 1 hours plus just to uplift and make 2 transfer out to other banks. WTF. And i am the only customer when i arrived!!!!

Hmm...can anyone tell me how to get the MBSB 4%? I tried transfer money out and back in. But still 2.8%??

Oh, OTC? I thought it's online...haiz...

Is it? didn't realized this. Because the mobile version can't. Anyway, i have to transfer exceed limit anyway, so might as well go counter. Thanks.

Alliance got this 3.9% for 12mths? Can't seem to find the link. Only found 3.8% for 6 mths.

Although in principle i agreed with you, its a waste of time trying to argue. I would rather spend my time more productive elsewhere to earn that RM10 back. Not to mentioned no other bank can even come close right now.

I have 2 PBB FD matured recently. Same amount, same rate, same period, one i a day earlier than the other. The 2nd FD received 1 cent less compare to the first one which matured a day earlier.

I am just amused and move along.

Aeon Bank got limit for 3.88%? I don't trust GX Bank, ever since GRAB scam me RM20 and never return back to me. Topup money to their ewallet. RM 20 missing transferred from Bank but not received in their e-wallet. After multiple complaints, still no action. This is my son's account, for some reason, can never top up.

This post has been edited by CommodoreAmiga: May 27 2024, 07:44 AM

Ambank 3mth 3.6%

Code: BEST3

Despite being idiot, their stock price very gooding, almost RM10 now....make me a bit of money. LOL. When in doubt, invest in the idiot!

What is all these complaining...haiz...enough lah. MBSB 4% or 3.99% still highest in market right now. Tak suka can put 3.7% everywhere else.

Save your energy complaining can make back that RM20 starbucks drink already.

Actually, i did check my previous MBSB FDs calculations. More or less seems there. I don't bother liao.