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Banking Privilege$aver by Standard Chartered, up to 4.75%, Seems like so few people talk about it
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cklimm
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 Feb 3 2020, 06:26 PM
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QUOTE(bergstein @ Feb 3 2020, 06:15 PM) Eurobeater digimon09Thanks! Found this article when googling for more detail, yet to read in detail but the author suggest the 2% from investing unit trust/insurace is not worth it. https://medium.com/dplanners/kaypoh-cheats-...nt-9dd907a6a6db Wow, this is the most detailed review ever, but what if I deposit exactly 100k, while everything else remains the same, will the return looks better? |
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cklimm
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Feb 3 2020, 08:45 PM
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QUOTE(roarus @ Feb 3 2020, 08:37 PM) SC has changed the terms for invest portion to be 2% capped at MAB: i. RM20k for 1k invest monthly ii. RM100k for 6k invest monthly Fuhh, guess the return will be worsened alot. To counter this: 1k credit card spending onto ewallets, and withdraw back to bank. |
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cklimm
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Feb 18 2020, 10:04 AM
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Excuse me, what was the fuss about the debit card? The rate is good enough to offset any annual fee, let alone that it is free.
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cklimm
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Feb 19 2020, 12:15 AM
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QUOTE(GrumpyNooby @ Feb 18 2020, 07:01 PM) This trend will sure happen. Have you see any bank loyalty in the FD thread?  Even the coldest bank like BI, BR, MBSB and Bangkok Bank, they also storm. The loyalty is towards rate, not brand.  |
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cklimm
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Apr 2 2020, 04:16 PM
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For those who did investment, have you received your bonus interest for February?
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cklimm
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Apr 2 2020, 06:34 PM
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QUOTE(Cookie101 @ Apr 2 2020, 06:32 PM) For investment portion? |
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cklimm
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Apr 3 2020, 07:51 AM
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QUOTE(Cookie101 @ Apr 2 2020, 10:48 PM) Yes. Sometimes not sure why even I wanna reply lol » Click to show Spoiler - click again to hide... « Macam kena doubt je.
[attachmentid=10462562] It ain’t too wise to publish publicly. Everyone have different risk appetite. 😌 Thanks for the headsup, now I can tekan the bank. |
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cklimm
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Apr 3 2020, 11:45 AM
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QUOTE(GrumpyNooby @ Apr 3 2020, 07:53 AM) Before you go tekan the bank, do ensure the settlement date of your WMP that you bought falls in February and not on March. Well, placed in 24 Feb, plenty of time for them to process. My RM is now writing an email to product manager on my behalf. |
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cklimm
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Apr 5 2020, 08:30 PM
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QUOTE(zenquix @ Apr 5 2020, 05:20 PM) 2.5% at 6000 a month = total RM1800 in sales charges this year. Offset by extra 2% presumably on maxed RM100k account = RM2000. so you earn RM200.. basically RM16 a month. So you are just risking 72000 - whether you have benefit or not wholly depends on the UT you buy. If your PSA <100k the maths are even worse --- 1k a month sales charge = RM300 20k @ 2% = RM400 so clean additional RM8 a month of interest. If die die must take i would recommend sticking to 1k. 6x the exposure for 2x the gain doesn't make sense unless the UT is sure win welp, considering the new lows, the UTs are selling at a bargain |
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cklimm
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May 5 2020, 10:38 PM
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QUOTE(myownworld @ May 5 2020, 10:27 PM) Extremely unrealistic. 3.6% current rate (without the invest part) cut down to 2.1%? (without the invest part) That's a 150bps cut when BNM reduced OPR by 50bps. More likely the save portion will reduce to 1.50% from current 2.0% to a total of 3.10% without the invest part and 5.10% with the invest part. if this is the case, it makes sense to do monthly investment to boost up the savings rate by more than half fold yo. |
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cklimm
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May 7 2020, 09:12 PM
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QUOTE(leo_kiatez @ May 7 2020, 08:10 PM) What's the monthly investment of their product which is good for us? Well, 1st deposited in Jan, my RHB asian income fund with them is still losing 9%, enter at your own risk. |
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cklimm
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Aug 2 2020, 07:41 AM
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QUOTE(CPURanger @ Aug 1 2020, 09:22 PM) Ha ha. I am late to the party probably this is the last month to get good interest. Anyone invest in SC Investment (SC app) ? Good returns ? Due to the volatile market earlier this year, my investment was a failure, BUT, the bonus interest has it well covered |
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cklimm
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Aug 18 2020, 09:45 AM
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QUOTE(GrumpyNooby @ Aug 14 2020, 04:19 PM) Introduction of Paper Statement Fee for Individual Retail Clients effective 1 November 2019 (Not Applicable for Company Accounts – SME/ Business Banking & Corporate Accounts)As notified during September 2019 and November 2019 ,with a view to drive the reduction of paper consumption and to ensure you receive your statements in the most convenient, secure, and timely way possible, we have made it possible for customers to receive their bank statements via email or for download from our online banking website. We strongly encourage all our clients to enrol to eStatements as soon as possible to start enjoying these benefits. Effective 1st November 2019, a Paper Statement Fee of RM5.00 per statement will be applied for Standard Chartered/Standard Chartered Saadiq accounts as follows: • Current Accounts • Savings Accounts • Credit Card Account https://av.sc.com/my/content/docs/my-paper-...-fee-notice.pdf I've been receiving paper statements for months, why I dont see any charges? Is that because of this account? |
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cklimm
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Jan 11 2021, 06:33 PM
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It was great while it lasted. RIP PSA 2012-2021
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cklimm
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Feb 10 2023, 11:15 AM
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QUOTE(LuckyBai @ Feb 4 2023, 06:44 PM) HLB is more appealing than standchart now ??? Pay and save? |
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