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

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cybpsych
post Jan 29 2020, 09:35 AM

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QUOTE(delsoo @ Jan 29 2020, 09:23 AM)
any link for this ? i logon to the PBB webiste and cannot find this . I only saw 2.8% interest rate for 12 months  hmm.gif
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this is NOT efd
cybpsych
post Jan 29 2020, 10:12 AM

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QUOTE(dannyw @ Jan 28 2020, 07:11 PM)
It start tomorrow until 29 Feb 2020, min 10k for 6 months, 3.6% p.a. for existing eFD customers.

3.75% p.a. for new to eFD customers only, end 10 Feb 2020.
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QUOTE(delsoo @ Jan 29 2020, 10:05 AM)
replied to the worn gpost, sorry . Anyway , do you know which bank offer the best eFd rate right now ?
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above?


my hlconnect, am an existing efd user
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cybpsych
post Jan 29 2020, 10:21 AM

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QUOTE(kb2005 @ Jan 29 2020, 10:10 AM)
https://www.hlb.com.my/content/dam/hlb/my/i...omotion-tnc.pdf

https://www.hlb.com.my/content/dam/hlb/my/i...on-tnc-3.60.pdf
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QUOTE(delsoo @ Jan 29 2020, 10:15 AM)
thanks, max for 6 months only ?
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read above
cybpsych
post Jan 29 2020, 01:00 PM

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QUOTE(coolstore @ Jan 29 2020, 12:45 PM)
only 1 time RM10k in casa, then fd can be many separate amounts/certs?

btw clause 8 mentioned if opr changed, the rate could be revised, no sure it still valid at 4% now
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per placement la

if u have larger amount than rm10k, can consider to put in one lumpsum (if u wish to):

Example 1:
Total placement is RM 20,000.
RM 10,000 will be deposited in CASA and RM 10,000 will be placed in FD for 6 months tenure at 4.00%p.a.

Example 2:
Total placement is RM 50,000.
RM 10,000 will be deposited in CASA and RM 40,000 will be placed in FD for 6 months tenure at 4.00%p.a.



opr revision, same treatment as others. once placed, no changes to the rate.

better double-check with ABMB before placement because OPR already revised during the running of this campaign. they could've already revised down the rate.


QUOTE(donhay @ Jan 29 2020, 12:28 PM)
I am wondering how to calculate the effective rate for Alliance FD, I plan to place 900k RM. 10k into CASA, and 850k FD 4%.

Is it better if I just put 900k for 3.5%

Thanks
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the RM10k in CASA has no earmark requirement. take it out after placement lor.

This post has been edited by cybpsych: Jan 29 2020, 01:02 PM
cybpsych
post Jan 29 2020, 01:58 PM

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QUOTE(mitkey06 @ Jan 29 2020, 01:49 PM)
What is the catch with HSBC term deposit 6.88%?
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https://www.hsbc.com.my/premier/#cny-promotion
cybpsych
post Jan 29 2020, 07:25 PM

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QUOTE(TheEquatorian @ Jan 29 2020, 07:16 PM)
Any idea where Affin’s rates are after the OPR change?

Is there any tax on the interest income received from deposits?
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https://www.affinonline.com/AFFINONLINE/med...ate28012020.pdf

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cybpsych
post Jan 29 2020, 07:39 PM

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Terms and conditions: CNY Special FD | CNY Special FD-i

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cybpsych
post Jan 29 2020, 08:09 PM

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QUOTE(cybpsych @ Jan 29 2020, 01:00 PM)
Example 1:
Total placement is RM 20,000.
RM 10,000 will be deposited in CASA and RM 10,000 will be placed in FD for 6 months tenure at 4.00%p.a.

Example 2:
Total placement is RM 50,000.
RM 10,000 will be deposited in CASA and RM 40,000 will be placed in FD for 6 months tenure at 4.00%p.a.

opr revision, same treatment as others. once placed, no changes to the rate.

better double-check with ABMB before placement because OPR already revised during the running of this campaign. they could've already revised down the rate.
the RM10k in CASA has no earmark requirement. take it out after placement lor.
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QUOTE(coolstore @ Jan 29 2020, 08:07 PM)
for the alliance case, can the fd amount separated into multiple piece of certs or must only in 1 cert as lump sum?
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This post has been edited by cybpsych: Jan 29 2020, 08:09 PM
cybpsych
post Jan 29 2020, 08:40 PM

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QUOTE(coolstore @ Jan 29 2020, 08:36 PM)
that did not answer my question:

case 2: total placement 50k

10k in casa, 40k must be in ONE PIECE OF FD CERT or can be like 10k+10k+10k+10k , 4 fd certs?
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u didnt read the example properly

Example 2:
Total placement is RM 50,000.
RM 10,000 will be deposited in CASA and RM 40,000 will be placed in FD for 6 months tenure at 4.00%p.a.

50k fund = 40k fd + 10k casa placement


if u put 4x10k fd, you need 4x10k for casa.
cybpsych
post Jan 29 2020, 09:00 PM

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QUOTE(frostfrench @ Jan 29 2020, 08:56 PM)
I place my fd with CIMB last week for duration of 12 months.

Can I cancel my cimb fd now? I have a seven figure amount and like to put in the Alliance casa+fd 4% tomorrow. I think that's better return for me
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of course you can withdraw it.
cybpsych
post Jan 29 2020, 09:00 PM

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QUOTE(frostfrench @ Jan 29 2020, 08:56 PM)
I place my fd with CIMB last week for duration of 12 months.

Can I cancel my cimb fd now? I have a seven figure amount and like to put in the Alliance casa+fd 4% tomorrow. I think that's better return for me
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of course you can withdraw it.
cybpsych
post Jan 30 2020, 11:44 AM

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QUOTE(userA123 @ Jan 30 2020, 10:01 AM)
No more 4.25% ???
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no more

https://www.hlisb.com.my/ms/personal-i/prom...nt-i-promo.html

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cybpsych
post Jan 30 2020, 12:00 PM

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https://av.sc.com/my/content/docs/revision-...oung-savers.pdf

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cybpsych
post Jan 30 2020, 07:08 PM

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QUOTE(cute_boboi @ Jan 30 2020, 06:43 PM)
If it is one entitlement, then yes, this offer happened before in HLB FD.

You can check the promo rate in the application page.
Promo = yes
duration = 6 mths
rate % = will show here

Then you will know if your second application still has the promo rate or not before you goto the FPX page. This is unlike MBB GiA which is totally unknown until the next day.
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you'll know the eGIA rate after placement. just revisit back the placement listing in m2u.
cybpsych
post Jan 30 2020, 07:10 PM

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cybpsych
post Jan 30 2020, 07:37 PM

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QUOTE(cybpsych @ Aug 28 2019, 08:33 PM)
hmm, didnt notice PBB FPX has increased to RM100k limit. not bad.  rclxms.gif

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QUOTE(rojakwhacker @ Jan 30 2020, 07:30 PM)
Do public bank FPX allow more than RM30k per transaction? Anyone can confirm this?
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cybpsych
post Jan 31 2020, 05:54 PM

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QUOTE(airtawarian @ Jan 31 2020, 05:51 PM)
Guys If placement made today 31/01 for 6 months maturity date is when
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+6 months lor

matures on 31 July 2020


you can check from the placement slip.
cybpsych
post Feb 3 2020, 02:31 PM

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PB Fixed Deposit / Term Deposit-i Campaign
- 3 February 2020

Please be informed that the promotional interest / profit rates under the “PB Fixed Deposit / Term Deposit-i” Campaign has been revised with effect from 3 February 2020.

Click here for the revised Terms and Conditions in English.

Thank you.
cybpsych
post Feb 4 2020, 07:36 PM

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QUOTE(@Adele @ Feb 4 2020, 06:12 PM)
Hi guys this TIA i investment, the 3.9% fr hongleong is just estimate not fixed ke? If incur losses how? Means makan into our funds isnt it

Looking to put some fresh funds into FD. Any suggestions appreciated thanks
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read >> https://www.hlisb.com.my/content/dam/hlisb/...nt-i-pds-en.pdf

if not comfortable, then skip this and go for normal FD/TD instead.
cybpsych
post Feb 5 2020, 01:44 PM

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QUOTE(joeblow @ Feb 5 2020, 01:25 PM)
Hi there can I check if the bank if Bangkok rate still available? Just asked HL is 3.65% I think OTC. Or at worse 3.6% both for 6 months. Ocbc 3.55% 12 months no special conditions?
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QUOTE(joeblow @ Feb 5 2020, 01:36 PM)
I will call them later to find out. Website might not be updated or they may have special requirements.
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https://www.bangkokbank.com.my/pdf/FDCampai..._Compliance.pdf
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