A quiet year for Ayam

OCBC 4% pa for 12-months FD/FD-I. Fresh funds only. Valid till 31 Jan 2017.

I understand when you say you are "tired". I too moved it to 3 yrs but into fixed income bond funds. Really tiring after several years hunting for FD. Haha.

Yes sure but need to pay for bankdraft a few ringgit.

Yes but I limit mine to within a few kilometres from home or office as I am still working full time. Malas to go too far.

I split them anyway if about in each bank is more than Rm250k (for pidm coverage)

The limit is per name per bank rite? Example 250k in MBB and 250k in RHB and 250k in BR = all under my name. This is fine rite?

And both principal and interest is not guaranteed rite? It sound like some fixed income fund. I invested in Affin Hwang Fixed Income fund too end of last year for 3 yrs. Too malas to hunt for FD every now and then but I do still have several FDs in hand just in case I need some funds. If you are sure you wont need the fund or like me, those funds have been renewed in FD year after year after year (more than 10 yrs) so thats why i move some to fixed income funds.

Glad Affin used OMG instead of LOL

I miss reading every post since Dec, haha. No money now until next maturity due in June. Sob Sob.

Their system so keng?

Thanks to people like I Am Not. Not everyone can be generous in sharing real info and some a quick to ask you to move on to another thread - which is true but its also ok to help out a little. This forum is still the best place for advise. Thanks.

Can put if rate at loan is higher than FD but not as fluid as cash/FD if you need the funds urgently. If really excess fund, then ok to clear housing loan faster for sure.

Some banks consider fresh fund as within the last 3 days, or some banks within 1-2 days. So depends on bank.

Therefore I only stick to those banks near by house or office so that convenient to place them over the counter. Like HLB good deal at 4.2% I pun tak ada masuk anything there cos no branch near me. Hehehe. Give and take la sometimes. Driving and parking also takes time to get there, so good deal to some may not be good deal to others.

Every bank have their own version of fresh fund. Some same day also can but need to top up some funds. So depends.

Never been asked before. Re-affirm means just inform the teller verbally?

Wuah ...

Maybe Im the odd one out because I prefer full interest upon maturity (usually 1 yr). At least can see lump sum money there. And maybe also my investment not like some here, ber million-million, hahaha.