normally is Legacy planning.  if not should be insurance linked punya investment.

Approached by OCBC RM for structured investment for 5 years which guarantees 5% p.a. with 3 monthly interest payment , IF no CREDIT EVENT occurs. Minimum to put in is RM 250K .
Anyone else put in ?

Not klibor related. Uses standard chartered bank as the product. Some sort of an investment product.

The alternative you're speaking of is through fsm I presume ?

You can DIY your own structured product...steps below, change the figure to suit

1. Lets say you want a 100% capital guaranteed structured product for 5 years, and ready to invest RM10K
2. From the RM 10K, place RM 8,220 in FD for 5 years @ 4% (which will become RM 10K in 5 years)
3. Remaining RM 1,780 you can go punt into any high risk investment (shares, UT, Leveraged ETF, options, warrants, etc etc)
4. If you manage to lose it all, you still get back your 10K in 5 years ( hence capital guaranteed)
5. If manage to win some in 5 years then it becomes your profit (or they call it interest...)

Win 

So this is what was offered. It's a callable credit linked structured investment which uses standard chartered bank as the reference entity. 5 years to be held onto and minimum amount to put in is RM250K with multiples of RM 50 K thereafter. Provided there is no credit event that occurs, 100% of principal amount will be returned together with the interest amount at the final interest period. Guaranteed 5% p.a. Also, those who take up this investment scheme is entitled to 5.2% for FD for 3 months up to maximum of RM375K.
However returns of the product will be affected by the performance of the underlying asset .
Not insured by PIDM.

How high is possible if one puts in 1M?

depends on tenure too, right?

I have one product invested with CIMB which gives 7.5% p.a ONLY if the market performs,it's an FRNID product, it has been 5 months and I am yet to see a deposit into my account. If I can get even 3% average from this, I would be happy. LOL

Another way HNWI can get guaranteed rates higher than FD will be investing in MGS and/or AAA rated bonds.

These are usually guaranteed by government of Malaysia, (AAA are guaranteed by rock solid companies)... your RM CAN arrange to buy these bonds, but they might give lots of excuses as the fee is quite low (0.5%-1%). Each bond is traded in min RM 250K. To get the guaranteed amount you MUST hold the bond until maturity (value can fluctuate in between).

Currently MGS10Y is trading around 4.219%, AAA bonds are traded higher around 4.5%-5.5%.

Comparing purchasing through bond funds, which value fluctuates as there are no set maturity, hence value is not guaranteed AND you pay yearly fees.

U don't ask, they give it to u ! 

From what I know, the branch will draw up a list based on the amt a depositor has with the branch. Then based on their budget, they will say no. 1 to no. 20 depositors will get the gift.

So Xclusive members may not get it if there are too many heavy weights in the same branch. That is what I think. 

I was shown a list by the ABM few years ago. 

I never managed to get hampers from BR. How do you ask them? I asked the Xclusive hotline, they said they don't give so I'm thinking of calling up the branch level.
For BR Xclusive members,
This is roughly what I could catch over the phone for FD placement:
1. RM5k & above: pen
2. RM10k & above: towel
3. RM50k & above: flask
4. RM100k & above: trolley bag

To get it, call the hotline at 03-26173800, they will arrange & send the gifts to your respective branches.

Start from January 2017, Citibank increases their Priority and Citigold AUM requirements as well:
Priority: 100K
Citigold: 400k

Thanks for your clarification. How you find CitiGold service? Is it good?

I'm now considering which premier banking should I join, CitiGold's 400K seems to be to hard for me to join them.

Do you have any suggestion on PB which AUM is below 250K?

Well, only UOB, MBB and PBB is in my list that meets my requirements (especially AUM part, hehe)!

Awesome!!! Your sharing and experience is priceless. Can you share how you find UOB team is solid?

Only 100k to join Citi priority? Does it entitle poor old fags like me to enter priority banking hall+coffee+free parking?

Citi has no pure FD promo, their FD + UT promo, the sales charge alone eats up the promo interest already,
while their board rate is pathetic. 100k try for fun, okay. 400k, not cost efficient anymore

Most of my banking done online now. The only times I need to go to the bank are mostly for cheque or cash deposit and withdrawal and these are done through machines. I think the only benefit maybe is to be able to do DCI? That also unless you are doing business or have constant need to exchange into foreign currency, the savings is negligible.

ok folks, I asked Citibank if there is any free parking and drinks for citi priority (min 100k) customers,
and here's their respond:

Swiss Swatch? sounds tempting wei