Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Feb 17 2017, 07:37 PM
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Senior Member
1,064 posts Joined: May 2016 
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QUOTE(yygo @ Feb 17 2017, 05:42 PM) unker, oni self-employed can do self contribution? NO. Please refer to the KWSP website or google for it. It is only a matter of whether the horse is willing to drink or it is an ass. |
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Feb 17 2017, 07:40 PM
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Senior Member
1,756 posts Joined: Nov 2004 From: Kuala Lumpur  
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I think hlb so far offered a better rate right now...
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Feb 17 2017, 09:33 PM
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Senior Member
1,757 posts Joined: May 2011
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QUOTE(victorboy @ Feb 17 2017, 07:40 PM) I think hlb so far offered a better rate right now... Why do you say so? |
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Feb 18 2017, 03:00 AM
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Senior Member
651 posts Joined: Dec 2009
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QUOTE(drbone @ Feb 17 2017, 09:33 PM) Why do you say so? can see from the main page:Hong Leong Bank "CNY 2017 8-month Online Fixed Deposit / Online Fixed Deposit-i Promotion". Minimum Fresh Fund RM10K. Valid until 28 February 2017 |
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Feb 18 2017, 10:13 AM
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Junior Member
104 posts Joined: Sep 2013
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For HLB FD Promotion, the T&C stated that even the targeted fund size is not met, there is possibility the bank may award Eligible customers with extra interest. I'm so curious how the bank will compute the extra interest. Probably will be (Accumulated Fund / Targeted Fund Size ) x 0.18% ? Currently, the accumulated fund has achieved more than 50% of the targeted fund size
This post has been edited by FDInvestor: Feb 18 2017, 10:16 AM |
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Feb 18 2017, 01:02 PM
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur 
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dear all, wanna ask all your opinion.... i have been saving in fd for quite some time, however, looking at the interest rate which is lowering from day to day, is it advisable to pump some of my funds into housing loan (4.15%), since end of the day, it is extra funds, and i dont really need the cash to survive?
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Feb 18 2017, 03:26 PM
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Senior Member
1,616 posts Joined: Jul 2016
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QUOTE(raptar_eric @ Feb 18 2017, 01:02 PM) dear all, wanna ask all your opinion.... i have been saving in fd for quite some time, however, looking at the interest rate which is lowering from day to day, is it advisable to pump some of my funds into housing loan (4.15%), since end of the day, it is extra funds, and i dont really need the cash to survive? depends on what type of loan flexibility that you have.. if no penalty and whatsoever then why not?Did that last year  But for 50% of the saved amount only incase lol |
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Feb 18 2017, 05:55 PM
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur
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QUOTE(Cookie101 @ Feb 18 2017, 03:26 PM) depends on what type of loan flexibility that you have.. if no penalty and whatsoever then why not? mine is a semi flexi, rm50 fees for withdrawal, today submit tmrw reimbursement... tired of playing musical chair finding better fd rates, afterall 4.15% for loan isn't that bad.. won't put 100% of my funds in it, atleast maybe 30-40% so no need fan so much Did that last year But for 50% of the saved amount only incase lol the balance just park in 1 bank...tired of musical chair after years lol |
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Feb 18 2017, 11:10 PM
Show posts by this member only | IPv6 | Post
#829
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Senior Member
1,756 posts Joined: Nov 2004 From: Kuala Lumpur
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QUOTE(drbone @ Feb 17 2017, 09:33 PM) Why do you say so? QUOTE(noname2188 @ Feb 18 2017, 03:00 AM) can see from the main page: Hong Leong Bank "CNY 2017 8-month Online Fixed Deposit / Online Fixed Deposit-i Promotion". Minimum Fresh Fund RM10K. Valid until 28 February 2017 QUOTE(FDInvestor @ Feb 18 2017, 10:13 AM) For HLB FD Promotion, the T&C stated that even the targeted fund size is not met, there is possibility the bank may award Eligible customers with extra interest. I'm so curious how the bank will compute the extra interest. Probably will be (Accumulated Fund / Targeted Fund Size ) x 0.18% ? Currently, the accumulated fund has achieved more than 50% of the targeted fund size Averagely... the bank gives out 4.0% for 8 months. I think is a good deal. One thing, closed my hlb account not long ago.do I need to open up the account for fd purpose? Any option that by opening account the annual fees for atm card service charges waive? |
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Feb 18 2017, 11:43 PM
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Senior Member
1,624 posts Joined: Apr 2011
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QUOTE(FDInvestor @ Feb 18 2017, 10:13 AM) For HLB FD Promotion, the T&C stated that even the targeted fund size is not met, there is possibility the bank may award Eligible customers with extra interest. I'm so curious how the bank will compute the extra interest. Probably will be (Accumulated Fund / Targeted Fund Size ) x 0.18% ? Currently, the accumulated fund has achieved more than 50% of the targeted fund size I think they may extend the target date on fund size for another one to two months. |
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Feb 19 2017, 12:02 AM
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Senior Member
705 posts Joined: Sep 2010
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KWSP declared 5.7% dividend. That's below my expectation...
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Feb 19 2017, 10:57 AM
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Senior Member
1,524 posts Joined: Apr 2008
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QUOTE(elea88 @ Feb 16 2017, 05:38 PM) they called me today.... and explain promo on 10th Feb is: agreed. bank staffs already used to seeing lump sum of cash or big amount chequeminimum 500k as individual to enjoy the 4.05% gold fd. and not 50k.... Minimum 50k only if have COMPANY ACCOUNT with them or something like that... anyway i only half listen to her.. (She make my hard earn RM50k seem so so so so small...I feel so sad) She just repeated many times... I am so sorry... We are so sorry for your trouble.... blah blah... we will look into it further... the usual. Also she will look into the Records of calls on that day... thats all. to them, 5k feel like common RM5 50k juz looks like RM50 bank note only.... this feeling getting even worsen if walk in to some prestigious overseas bank like HSBC... This post has been edited by coolstore: Feb 19 2017, 10:59 AM |
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Feb 19 2017, 12:11 PM
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Senior Member
4,622 posts Joined: Mar 2007
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i have few fixed deposit done through online banking, can i proceed to bank to get the FD slip print out for me?
by the way, do we must have slip, since the FD i done is through online, thanks  |
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Feb 19 2017, 03:21 PM
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Staff
25,802 posts Joined: Jan 2003 From: Penang
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We have specific EPF topic, please head to there for anything related to EPF matter. https://forum.lowyat.net/topic/2705461/+2340
Ty. |
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Feb 19 2017, 11:26 PM
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Junior Member
453 posts Joined: Jan 2016
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QUOTE(coolstore @ Feb 19 2017, 10:57 AM) agreed. bank staffs already used to seeing lump sum of cash or big amount cheque more like Rm is devaluingto them, 5k feel like common RM5 50k juz looks like RM50 bank note only.... this feeling getting even worsen if walk in to some prestigious overseas bank like HSBC... |
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Feb 20 2017, 10:44 AM
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Senior Member
1,524 posts Joined: Apr 2008
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br last 3 days 4.08%?
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Feb 20 2017, 06:00 PM
Show posts by this member only | IPv6 | Post
#837
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(FDInvestor @ Feb 18 2017, 10:13 AM) For HLB FD Promotion, the T&C stated that even the targeted fund size is not met, there is possibility the bank may award Eligible customers with extra interest. I'm so curious how the bank will compute the extra interest. Probably will be (Accumulated Fund / Targeted Fund Size ) x 0.18% ? Currently, the accumulated fund has achieved more than 50% of the targeted fund size I totally hope so, so that all depositors efforts will not be in vain. QUOTE(gsc @ Feb 18 2017, 11:43 PM) I think they may extend the target date on fund size for another one to two months. Its still very far off from the target 888,888,888.88 as of today and its slowing down. Dont think they will extend. |
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Feb 20 2017, 06:02 PM
Show posts by this member only | IPv6 | Post
#838
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(vez @ Feb 19 2017, 12:11 PM) i have few fixed deposit done through online banking, can i proceed to bank to get the FD slip print out for me? Nope. Most banks are not giving out the slips like last time unless its a manual placement FD. You can screenshot your FD page online if you want to keep a copy of it.by the way, do we must have slip, since the FD i done is through online, thanks QUOTE(xiaobaiwm @ Feb 19 2017, 11:26 PM) more like Rm is devaluing That is confirmed already and it is devaluating as we speak.  |
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Feb 20 2017, 07:23 PM
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Senior Member
1,064 posts Joined: May 2016
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QUOTE(coolstore @ Feb 20 2017, 10:44 AM) br last 3 days 4.08%? BR staff still remind me promo last day Thursday 23 February when I took out matured FD going to EPF. Check for next on beginning March. |
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Feb 20 2017, 07:39 PM
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Senior Member
4,622 posts Joined: Mar 2007
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QUOTE(TOMEI-R @ Feb 20 2017, 06:02 PM) Nope. Most banks are not giving out the slips like last time unless its a manual placement FD. You can screenshot your FD page online if you want to keep a copy of it. ok thanks, thats the way i do it since day 1 i done online That is confirmed already and it is devaluating as we speak.  screen shot with FD accounts number |
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