After sell house?

Which way will get best interest rate?

The amount might be reused for next house purchase.

Tq for the insights in advance.

bank la mana lagi?

EPF.

split into few baskets

some in FD, some in digital banks, if your risk appetite is high, 5/10% in BTC

Which bank has decent interest rate?

Can withdraw anytime for home purchase?

Between these 2 which one higher?

EPF always can withdraw for home purchase.

Short term: FD
Mid term: FD, MMF, blue chip dividend stock

depends tenure, nowadays FD rates have improved ignore that, mbb still giving shit rates @ 2.55% for 60 months

funds in digital banks can be withdrawn up till the daily limit

digital banks giving 2%pa[grab, daily crediting] to 3.3%pa [boost, weekly crediting] need check rates for tng

This post has been edited by hightechgadgets8: May 30 2025, 01:32 PM

bank islam 4% @ per anal thier app BeU

ouch........

Thanks. Any amount cap for withdrawal?

Must lockin 1 full year? or like digital bank interest paid per day/week basis?

6month 3.9%..must lock in,,mature only get,,,but if urgent need money then up to u lo

not sure, long time no put FD, I invest only :X

but these few years, bank will ask those FD customers who wana renew the cert to put their money in their funds :X

When you self contribute into EPF, only 25% of it will go into Acc 2 & 3 that you can use for home purchase. 75% will go into Acc 1 and locked until retirement.

Also, there's a max limit of 100k self contribution per year.

This post has been edited by poweredbydiscuz: May 30 2025, 02:30 PM

100k EPF
ASNB 4+%
6 mths 12mths FD 4%
Floating Digital Bank 3.3 3.5%

If you not using the money
Take a portion and others hoot into epf which way better return compare to FD

If u might needed the money n not sure of investment
Put into FD, not unit trust , bank will persuade u to put into unitntrust but reject it

Buy blue chip stocks , but if u heart weak and not familiar better don’t touch it

only EPF Acc2 can withdraw for property purchase, so dont park in EPF if you need to use this fund

BSN offer good rates.

Pump into shares earn dividends

I have seen ppl earning about 30k by investing about 2m. So, basically 30k x 4 (given that dividends are paid quarterly). Can also be a daily trader to earn a little from the drop and up trend.



This post has been edited by malz89: May 30 2025, 05:19 PM

kdi save MMF, first 50k is 4% no fees if im not mistaken.