I went to 2 ambank branch, with 50k for 5 years both quoted me 4.32%

if you are getting lesser then you should stop visitting that branch.

This post has been edited by bearbear: Feb 4 2017, 07:46 AM

same, just let it sleep there rather than running around every year.

kepong (near wai sek gai)

rawang

at rawang they even show me their internal doc with list of tenure & rate.

but they are very particular with "fresh fund", if you withdraw cash fron your ambank acc they cannot process the FD until the next day. at kepong they willing to let me utilize my fund in my saving for FD provided I top up at least 30%

no one can tell if you will win or lose until the tenure ends. To "renew" my expired fd I have to spend 2-3 hours running around thus decided to just lock in and worry about it later.

it is very common they play with words.

you want long term, better dump your money into EPF.

short term fund any better flexibility option? other than placing them on 1 month efd to roll