Yes you can. Technically, you don't have to transfer the money back to Hong Leong. Just start a new placement, then "pay" for the placement using fpx, like making online payment.

GIA no more liao. Can't premature uplift and lower interest effective 16 June.

http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal

It's not that confusing... Just need to really understand it. Plus, step up FD means you get the interest earlier rather than at the end. So the actual effective rate is slightly higher due to time value of money

No they don't. But you can immediately invest or use the money ma.

Darn, HLB didn't have its usual payday FD promo this month... just when I need to make a placement

TODAY went to CIMB Wisma Genting to uplift FD.

Counter said have FD promotion 12 months 4.15%, no deadline for expiry of offer. No need fresh funds. Min 10k.

Yeah. Last time I try to put FD in CIMB, the CIMB officer try to hardsell me unit trust...

HLBB e-FD promotion.

12M - 4.25%
6M - 4.05%
3M - 3.95%

https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html

If I am not wrong, unfixed deposit allows you, after a certain period, to prematurely withdraw a portion of the deposit (multiples of RM1,000) without affecting the accrued interest of the remaining fixed deposit.

So, if you placed RM20k and after maybe 6 months, you decide that you need to withdraw RM1K, you only forfeited the interest of the RM1k. The rest of RM19k keeps all of the interest earned in the 6 months and still continue earning the 4.3%.

In terms of the rate, 4.3% is considered quite a good rate for 12 months.

Can share the link also? Thanks!

Thanks! Successfully placed the FD despite being unable to see the banner

Need to keep trying the link. Sometimes, it will say Page is missing or something similar. Keep pasting the 1st link until the page prompts you for your CIMB login details

This post has been edited by ZeaXG: Oct 29 2018, 12:34 PM

Since CIMB eFD 1 year 4.3% no more liao, can consider HLBB e-FD 6M 4.2%

https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html

Guys, I just did 2 FPX transactions to place e-FD for HLB 6 mths 3.9% promo. The first one was successful but the second one status is "accepted for processing" and it is not reflected in my FD account. I thought FPX is instant, anyone have experienced this before?

Alright thanks, will check again in the afternoon

I placed at 9.40am today. Until now, still not reflected.

Yes, you need to have savings account for interest crediting upon maturity.

OK, FD in liao... whew