Hello there, where to find the list of available FD in Malaysia? Is there any website that I can refer? Thinking of joining in the future ...

Fund Investment ..

Yup, it's better to find an agent to explain the information to me but what I'm trying to find right now is the list of current FD that available in Malaysia .. maybe with some index performance or rating for comparison so I can put an order in the list which bank to go first to listen ...

This post has been edited by Irzani: Jun 19 2009, 12:48 AM

Sorry for using the wrong term , I thought FD is for fund not matter what kind of investment . Just know it's for Fixed Deposit . Anyway, thanks for the lipper web, it's help a lot even though it's hard to choose the best one and safe. Now, currently thinking of Fixed Deposit as an alternatives to this complex fund ...

It's really tiring to go to a bank one by one to hear the current investment products (FD and unit trust), right now what interest me is the Why Wait Fixed Return Investment Account-i from CIMB.. is it true :



Does it mean I get 1.90% from my current investment every month?

Thanks

Very new in FD and trust investment thing and this is the first time I have to manage my mom retirement money 60K~100K investments ..

This post has been edited by Irzani: Jun 29 2009, 02:03 AM

Damn... I miss the p.a. thing, can't believe I miss the word ....

Today, I visited AmBank, Alliance Bank, and Maybank. Both representative from Ambank and Alliance is very good in promoting their products to me, and there's a lot of information I gained from them even though some 20 years thing is really tempting but too long.

Guess what come from Maybank officer when I asked if I can get any advice for Maybank investment product? First, she told me to go to another branch since it's not a Maybank investment bank (something like that) . Then, she asked what kind of investment I'm looking for due to my blurry face. I tell her if possible, I'm looking for a trust fund or FD for my retiree mom. She tell me those trust fund from Maybank is closed (something like that) and only usual FD (perhaps usual saving account) is available. Next, she asked me if I have ASB book and why not investing in it. I told her I'm not investing in ASB since my mom is currently invested a lot in ASB and now looking for another option to diversified her portfolio. Then, she keep telling the goodness about ASB in the current recession and urge me to do the same. Again, I asked her if Maybank have some goot trust fund or FD, or maybe some other investment that I can invest (general term - perhaps Islamic Banking, Kijang Emas Gold (Due to brochures I took at the Maybank office) or etc . And again, she tell me no such investment open right now and recommend to me to take only ASB for my moms ... then, I thank her and leave the offices .

Is it true no such investment open exist in Maybank? Only left usual saving account?


Sorry for my very bad English ..

Thanks

No wonder she keep telling me to enter ASB due to it's return... . Anyway sir, can you recommend me any name of FD/trust fund for me to check that have equal or better than ASB. Perhaps a medium or high risk one? Thinking to diversified the portfolio ...

Currently I play shares for a few years but never go into this saving things. How much the return or rate, I never care. Just check the balance only. When I bump into this topics and read some of the post, I got an interest to enter this investments to help my mom due to it's her retirement money and not mine. To play shares with 100K, die lo ..

Thanks again

Yeah, yesterday just visited Maybank again, another branch and the staff there offer the 'Pelaburan Bijak For ASB' or 'ASB Fund Financing Program' . It's really tempting to see the 4.25% loan rates per year againts the ASB,ASW,ASM,ASG,ASD that have returned rate more than 5% per year . .. . Now I need to find any personal financing that can beat the 4.25% rate from Maybank, need to revisit every bank again ..

Thanks for the advice sir ..

This post has been edited by Irzani: Jul 2 2009, 09:44 AM

Thanks for the info sir. Right in time since my mom just rejected the ASB financial loan programs (including the usual ASB savings due to she already invest a lot in it and looking for another alternatives) and I need to find another kind of investment like trust funds... now researching on those PFETIF, PCTF, PNREF, PFECTF, PAGF, PSmallCap funds.

Thanks again

Due to I didn't know where to open a topic to get an advice, I'll start here since there's so many financial expert I can asked for help here ..

Objectives : Investment for A Gov Retiree (56 years old)
Cash Available For Diversified Portfolio: 100 K
Current Investment/Savings : 50K (ASB/Stock Market/Maybank)
Monthly Wages (Pensioner) : RM 2100 (lifetime)
Potential Add-Up Investment From Other Family members : ++130 K
Liabilities : No

What am I looking : FD/Trust Funds/Gold Investment or anything legal from respective bank . If there's any loan for financial investment purpose, that's also can be accepted . Example : ASB - Pelaburan Bijak From Maybank . 4.20% per year rates againts ASB dividend rates up to 8~9% .. don't worry about the guarantor, my sis and bro can help it ..

Term : The maximum is 5 years due to her old ages and after some years , I want her to spent all the money for whatever purpose she want since she deserved it and it's her money anyway . Just because she prefers Maybank FD for easier purpose and never care about the dividends rates, I try to help her to get any potential investments.

Deadline : 31 August 2009 (Take a longer time . Need to do a very detailed research .. will be early if I'm so tempted )

I have already visited some of the bank (70% of the commercial banks) but for some reason, there's some unexplanation information due to a short time and lacking of (brochures, prospectus, new staff, new products) . I do get a long but very good and understandable explanation from Alliance Bank, Bank Muamalat, Hong Leong Bank , Maybank, RHB, PublicMutual consultant but still hunger for new information. Anyway, my bad experience is with a bank consultant from UOB Klang . Just because I represent my mom, she's explaining with no interest and mockingly me with some words and her actions . Even though she's a senior executive there and have a good experiences, perhaps next time I should call my mom and asked her to talk directly or show the bank books/cheque so she will serve me as the real customer

So, can anyone advice me where to invest? What is the good ratio to diversified it?

Thank you Sir/Madam for the help

P/s: If there's any agents/bank workers/bank consultant/ or anything related want to contact for easy purposes or sending any master prospectus/brochures/investment ad. Please do not pm me. Please send an e-mail to: mypensionerfund@yahoo.com . I prefer a short info or answer so I can do a research first and I'll reply back once it match what I want .. .

This post has been edited by Irzani: Jul 8 2009, 08:57 AM

Still observing the price .. . But I hope I'll not miss the low price to enter later ...

Thanks for the advice

It's been a month my mom 100K in the current bank savings but still it's hard for me to choose the right investment to diversify .. . The best choices I see right now is :

1) ASB Loan - problem with inheritance .. and the guarantor
2) Unit Trust - Public Mutual or anything high rated from Lipper (too many funds .. )

Bank FD is too low except the long term one .. 15-30 years (CIMB MaxInvest) or Alliance 20 years .. is there any new FD promotion in this month (August)?

Thank you

This post has been edited by Irzani: Aug 4 2009, 05:50 PM

After a years, time to review back my ASB investment ( >1xx K ) ... is there any funds, FD, investment with a mid risky that can beat ASB investment? Since I played stock, the price is quite high nowadays and I also was advices by some friends who worked in certain bank (not agent) .... that I need to wait the price slow down a little bit

I have went to >7 bank previously (2009 & 2010) just to know what kind of opportunities I can grab but still stick to ASB due to it's flexibility to take out money if emergency happen. And those 15-20 years investment with high income, that's too long ... But this year, I'm a bit tired and busy liao to go 1 by 1 just to know what's new

any good, reliable portal or blog should I read so I can do a comparison?

Thanks guys