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佳礼资讯网»我有话说 › 投资理财 › 保险、信托、金融 › 每周六更新 - - Malaysia FD Rate - - 2017
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每周六更新 - - Malaysia FD Rate - - 2017

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守护神9413
发表于 1-1-2017 08:41 AM | 显示全部楼层 |阅读模式
本帖最后由 守护神9413 于 23-12-2017 12:40 AM 编辑

祝各位 新年快乐 ~ {:6_378:}

欲想知道银行 FD / Promotion 资料， 请 click 银行 的名字 就可以了
若有新的资料， 请分享~
若有资料错误， 请提醒~
若各别分行有 promotion, 请分享是哪一间分行~
方便大家， 也方便我自己 ~

每周六 更新资料 ~

Normal FD

Month (%)
BANK 1 3 6 12
AFFIN BANK 3.00 3.05 3.15 3.80
AGRO BANK 3.00 3.10 3.25 3.60
ALLIANCE BANK 2.95 3.00 3.05 3.10
AMBANK 2.95 3.00 3.05 3.15
BANGKOK BANK 3.05 3.10 3.15 3.25
BANK ISLAM 3.05 3.10 3.15 3.35
BANK OF CHINA 2.90 3.00 3.05 3.20
BANK RAKYAT3.40 3.70 3.90 4.10
BSN 3.05 3.10 3.15 3.50
CIMB 2.95 3.00 3.05 3.10
CITIBANK 2.70 2.75 2.75 2.85
HONG LEONG BANK 2.80 2.85 2.90 2.90
HONG LEONG BANK FLEXI - - - - - - 3.05
HSBC 2.75 2.85 2.85 2.90
MAYBANK 2.95 3.00 3.05 3.10
MBSB 3.10 3.15 3.25 3.40
MUAMALAT BANK 3.10 3.15 3.25 3.35
OCBC BANK 2.65 2.75 2.90 3.00
PUBLIC BANK 2.95 3.00 3.05 3.10
RHB 3.00 3.05 3.10 3.15
Standard Chartered 2.70 2.85 2.90 3.00
UOB 2.70 2.80 2.90 3.00


--------------------------------------------------------------------------------------------------------------

e-FD

Month (%)
BANK 1 3 6 12
ALLIANCE BANK 2.95 3.00 3.05 3.10
AMBANK 2.95 3.00 3.05 3.15
BANK RAKYAT 3.40 3.70 3.90 4.10
HONG LEONG BANK 2.80 2.85 2.90 2.90
HONG LEONG BANK 3.00 3.15 3.20 3.30
MAYBANK 2.95 3.00 3.05 3.10
PUBLIC BANK 2.95 3.00 3.05 3.10


--------------------------------------------------------------------------------------------------------------


SENIOR FD

Month (%)
BANK NAME 1 3 6 12
AGRO BANK FRIA-I 45 PLUS - - - - 3.45 3.75
ALLIANCE BANK Alliance FD Gold (RM30k) - - - - - - 3.20
AMBANK AM50PLUS - - - - 3.10 3.20
BSN BSN SENIOR CITIZEN ( RM5k - RM50k ) - - - - - - 3.40
BSN BSN SENIOR CITIZEN ( > RM50k) - - - - - - 3.45
HONG LEONG BANK HONG LEONG SENIOR SAVERS FLEXI FD - - - - - - 3.05
HONG LEONG BANK Harvest Savings Account 3.80 - - - - - -
MBSB 49'NERS 3.20 3.25 3.35 3.50
PUBLIC BANK PB GOLDEN 50 PLUS 3.05 3.10 3.15 3.20
RHB RHB SENIOR - - - - - - 3.15
UOB GOLDEN SAVER - - - - - - - -



--------------------------------------------------------------------------------------------------------------

SENIOR e-FD

Month (%)
BANK NAME 1 3 6 12
ALLIANCE BANK e-Alliance FD Gold - - - - - - 3.20


--------------------------------------------------------------------------------------------------------------

*注 :
(P) = Placement
(F) = Fresh

NOT FD

BANK Promo. End Cond. (Min) Month %
ALLIANCE BANK - - 1) SavePlus Account,
2) Min 1k,
3) RM 0 to RM 20k
- - 0.00
ALLIANCE BANK - - 1) SavePlus Account,
2) Min 1k,
3) RM 20,001 to RM 100k
- - 1.80
ALLIANCE BANK - - 1) SavePlus Account,
2) Min 1k,
3) > RM100k
- - 3.00
CIMB BANK 2017-12-31 1) new customer of CIMB Bank who opens any Conventional/Islamic Current Account or Savings  Account  
(excluding  Foreign  Currency  Current  Account/Foreign  Currency  Current Account-i) as a payroll account
2) existing CIMB Bank customer who opens any Conventional/Islamic Current Account or Savings  Account
(excluding  Foreign  Currency  Current  Account/Foreign  Currency  Current Account-i) as a payrollaccount
3) existing CIMB Bank customer who converts an existing Conventional/Islamic Current Account or Savings Account into a payroll account
4) Have his/her monthly payroll credited into the Payroll Account
5) Satisfy  any  other eligibility  criteria  determined  at  the  discretion  of  the  Bank  prior  to  the acceptance of the individual as a “CIMB@Work Customer”
 6 3.00
MAYBANK 2017-12-31 Monthly incremental Average Daily Basis >=RM 3,000 1 1.50
MAYBANK 2017-12-31 Private Banking Account,
Incremental ADB (Average Daily Balanace) min RM 20k,
>= RM 50k
 1 2.00
MAYBANK 2017-12-31 Private Banking Account,
Incremental ADB (Average Daily Balanace) min RM 20k,
>= RM 100k
 1 3.20
MAYBANK 2017-12-31 Private Banking Account,
Incremental ADB (Average Daily Balanace) min RM 20k,
>= RM 250k
 1 3.30
MAYBANK 2017-12-31 Private Banking Account,
Incremental ADB (Average Daily Balanace) min RM 20k,
>= RM 500k
 1 3.40
MAYBANK 2017-12-31 Private Banking Account,
Incremental ADB (Average Daily Balanace) min RM 20k,
>= RM 1.5 mil
 1 3.50
UOB BANK 2017-12-31 <= RM 100k in HIGH YIELD ACCOUNT - - 1.00
UOB BANK 2017-12-31 <= RM 300k in HIGH YIELD ACCOUNT - - 1.02
UOB BANK 2017-12-31 <= RM 500k mil in HIGH YIELD ACCOUNT - - 2.40
UOB BANK 2017-12-31 <= RM 2.5 mil in HIGH YIELD ACCOUNT - - 3.40
UOB BANK 2017-12-31 <= RM 10 mil in HIGH YIELD ACCOUNT - - 3.90
UOB BANK 2017-12-31 > RM 10 mil in HIGH YIELD ACCOUNT - - 4.13
UOB BANK 2017-12-31 <= RM 50k in WEALTH PREMIUM ACCOUNT - - 1.00
UOB BANK 2017-12-31 <= RM 100k in WEALTH PREMIUM ACCOUNT - - 1.30
UOB BANK 2017-12-31 <= RM 150k in WEALTH PREMIUM ACCOUNT - - 2.20
UOB BANK 2017-12-31 <= RM 200k in WEALTH PREMIUM ACCOUNT - - 2.50
UOB BANK 2017-12-31 <= RM 250k in WEALTH PREMIUM ACCOUNT - - 2.80
UOB BANK 2017-12-31 > RM 250k in WEALTH PREMIUM ACCOUNT - - 3.00


--------------------------------------------------------------------------------------------------------------


Normal FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
HSBC BANK 2017-12-31 (P) 5k,
HSBC Advance Account 		- - 5.00 - - - -
MAYBANK 2017-12-31 (P) 25k - - 3.88 - - - -
OCBC BANK 2017-12-31 (F) 10k - - - - - - 4.10
OCBC BANK 2017-12-31 (F) 10k - - - - - - 4.20
OCBC BANK 2017-12-31 (F) 50k FD,
50k Premier Save Account 		- - 5.30 - - - -
PUBLIC BANK 2017-12-31 (P) 10k - - 3.88 - - - -
PUBLIC BANK 2017-12-31 (P) 10k - - - - 3.98 4.18
RHB BANK 2017-12-31 (P) 100k,
New & Existing SME customer 		- - 3.75 3.95 - -
UOB BANK 2017-12-31 (F) 10k - - - - - - 4.20
HSBC BANK 2018-01-15 (P) 100k,
Existing HSBC Premier Customer 		- - - - - - 4.00
HSBC BANK 2018-01-15 (P) 100k,
New HSBC Premier Customer 		- - - - - - 4.28
ALLIANCE BANK 2018-01-31 (F) 10k - - - - - - 4.30
BANGKOK BANK 2018-03-11 (F) 5k - - 3.88 4.08 4.25


BANK Promo. End Cond. (Min) Month %
MBSB - - (P) 500 15 3.50
MBSB - - (P) 500 18 3.55
MBSB - - (P) 500 24 3.60
MBSB - - (P) 500 36 3.70
MBSB - - (P) 500 48 3.85
MBSB - - (P) 500 60 4.10
OCBC BANK 2017-12-31 (P) 50k FD, 50k Premier Save Account 3 5.5
OCBC BANK 2017-12-31 (F) 10k 6 3.80
OCBC BANK 2017-12-31 (F) 10k 6 3.90
OCBC BANK 2017-12-31 (F) 10k 15 3.90
OCBC BANK 2017-12-31 (F) 10k 15 4.00
RHB BANK 2017-12-31 (F) 25k,
CASA < RM 10k 		7 3.95
RHB BANK 2017-12-31 (F) 25k,
CASA < RM 10k 		11 4.10
RHB BANK 2017-12-31 (F) 25k,
CASA >= RM 10k 		7 4.00
RHB BANK 2017-12-31 (F) 25k,
CASA >= RM 10k 		11 4.15
ALLIANCE BANK 2018-01-31 (F) 10k 9 4.25
AFFIN BANK 2018-02-28 (P) 90% FD, 10% CASA 15 4.20
AFFIN BANK 2018-02-28 (P) 90% FD, 10% CASA 18 4.25
AFFIN BANK 2018-02-28 (P) 90% FD, 10% CASA 24 4.30
BANGKOK BANK 2018-03-11 (F) 5k 9 4.15
ALLIANCE BANK 2018-03-31 (P) 5k 5 3.88


--------------------------------------------------------------------------------------------------------------

Senior FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12


BANK Promo. End Cond. (Min) Month %


--------------------------------------------------------------------------------------------------------------

e-FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
AMBANK 2017-12-31 (P) 10k - - - - 3.80 - -
AMBANK 2017-12-31 (P) 10k,
IF FUND SIZE EXCEED RM 60M 		- - - - 4.00 - -
PUBLIC BANK 2017-12-31 (P) 5k - - - - 3.20 3.40


BANK Promo. End Cond. (Min) Month %
HONG LEONG BANK 2017-12-31 (P) 1k 13 4.20
PUBLIC BANK 2017-12-31 (P) 5k 24 3.40
PUBLIC BANK 2017-12-31 (P) 5k 36 3.40
PUBLIC BANK 2017-12-31 (P) 5k 48 3.40
PUBLIC BANK 2017-12-31 (P) 5k 60 3.40


--------------------------------------------------------------------------------------------------------------

各位， 若你手上有最新资料，
请填写

银行：
几个月：
利息 ：
地点 ：
截止日期 ：
官方网站 (若有) :

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守护神9413
 楼主| 发表于 1-1-2017 08:41 AM | 显示全部楼层
本帖最后由 守护神9413 于 16-12-2017 09:07 PM 编辑

History
NORMAL FD

Month (%)
BANK End 1 3 6 12
BSN 2017-03-14 3.15 3.15 3.20 3.35
ALLIANCE BANK 2017-04-06 3.00 3.05 3.10 3.15
AFFIN BANK 2017-05-31 3.00 3.05 3.15 3.45
OCBC BANK 2017-08-04 2.65 2.75 2.85 3.00
BANK RAKYAT unknown 3.30 3.38 3.50 3.70


--------------------------------------------------------------------------------------------------------------

eFD

Month (%)
BANK End 1 3 6 12
ALLIANCE BANK 2017-04-06 3.00 3.05 3.10 3.15



--------------------------------------------------------------------------------------------------------------

SENIOR FD


Month (%)
BANK Name End 1 3 6 12
ALLIANCE BANK Alliance FD Gold (RM30k) 2017-04-06 - - - - - - 3.25



--------------------------------------------------------------------------------------------------------------


SENIOR eFD


Month (%)
BANK Name End 1 3 6 12
ALLIANCE BANK e-Alliance FD Gold 2017-04-06 - - - - - - 3.25



--------------------------------------------------------------------------------------------------------------


网站没再显示 这 promotion， 请到附近银行问一问

NOT FD

BANK Promo. End Cond. (Min) Month %
OCBC BANK 2017-01-31 1st RM 100k, Deposit RM500 per month, pay 3 bills online per month, spend RM500 on OCBC Credit Card every month unknown 4.10
OCBC BANK 2017-01-31 Existing Customer, Introduce Friend, 1st RM 100k, Deposit RM500 per month, pay 3 bills online per month, spend RM500 on OCBC Credit Card every month unknown 5.10
OCBC BANK 2017-01-31 Deposit RM1k per month WITH NO WITHDRAWAL 1 3.55
UOB BANK 2017-01-31 > RM 10 m unknown 5.13
UOB BANK 2017-01-31 spend RM500 on UOB Credit Card or Debit Master Card, 3 bill online, Inward fund transfer RM 5k unknown 3.25
UOB BANK 2017-01-31 Wealth Premium Account,>RM 250k 1 4.00
AMBANK 2017-03-31 Deposit more than RM 300k in Ambank Signature Priority Banking unknown 3.00
OCBC BANK 2017-04-30 1st RM 100k, Deposit RM500 per month, pay 3 bills online per month, spend RM500 on OCBC Credit Card every month unknown 4.10
OCBC BANK 2017-04-30 Deposit RM1k per month WITH NO WITHDRAWAL 1 3.55
MAYBANK 2017-05-31 <= RM 5k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 1.30
MAYBANK 2017-05-31 <= RM 10k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 1.40
MAYBANK 2017-05-31 <= RM 25k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 1.55
MAYBANK 2017-05-31 <= RM 50k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 1.70
MAYBANK 2017-05-31 <= RM 100k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 2.00
MAYBANK 2017-05-31 <= RM 200k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 2.35
MAYBANK 2017-05-31 <= RM 500k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 2.45
MAYBANK 2017-05-31 > RM 500k, Maintain ADB (Average Daily Balance) 10k, Maintain IADB (ADB - balance of previous month) 3k, Min 6 Swipe Credit Card unknown 2.60
ALLIANCE BANK 2017-06-30 Min SavePlus Account Monthly Average Balance RM 10k 1 6.00
ALLIANCE BANK 2017-06-30 < RM 20,001 1 0
ALLIANCE BANK 2017-06-30 <= RM 100k   1 1.80
ALLIANCE BANK 2017-06-30 > RM 100k 1 3.00
ALLIANCE BANK 2017-08-31 1) Alliance SavePlus Account
2) Minimum Monthly Average Balance 10k		 1 6.00
ALLIANCE BANK 2017-08-31 1) Alliance SavePlus Account
2) <= 20k		 1 0.00
ALLIANCE BANK 2017-08-31 1) Alliance SavePlus Account
2) >= 20,001 and <= 100k 		1 1.80
ALLIANCE BANK 2017-08-31 1) Alliance SavePlus Account
2) > 100k		 1 3.00
OCBC BANK 2017-08-31 (F) 500, 1st RM 100k, Deposit RM500 per month, pay 3 bills online per month, spend RM500 on OCBC Credit Card every month   1 4.10
PUBLIC BANK 2017-08-31 <10k in
1)PLUS Savings Account;
and/or
2)Basic Savings Account 		4 0.00
PUBLIC BANK 2017-08-31 <=100k in
1)PLUS Savings Account;
and/or
2)Basic Savings Account 		4 1.68
PUBLIC BANK 2017-08-31 <=200k in
1)PLUS Savings Account;
and/or
2)Basic Savings Account 		4 2.28
PUBLIC BANK 2017-08-31 <=300k in
1)PLUS Savings Account;
and/or
2)Basic Savings Account 		4 3.08
UOB BANK 2017-08-31 Deposit more than RM 100k,
Spend Min. RM500 with UOB Credit/Debit Card,
Pay Min. 3 bills via UOB Personal Internet Banking,
Cumulative inward fund transfer RM5k online 		unknown 3.25
ALLIANCE BANK 2017-09-30 Monthly Average Balance >= RM 200k 1 1.58
ALLIANCE BANK 2017-09-30 Monthly Average Balance >= RM 200k,
min 2 Alliance Online Transactions / month 		1 1.68
OCBC BANK 2017-09-30 Premier Save Account/ Premier Save Account-i balances < RM 200k 1 1.00
OCBC BANK 2017-09-30 Premier Save Account/ Premier Save Account-i balances >= RM 200k 1 3.60


--------------------------------------------------------------------------------------------------------------

Promotion HISTORY

*注 :
(P) = Placement
(F) = Fresh

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
MUAMALAT BANK 2017-01-06 (P) 5k - - - - 3.35 - -
MUAMALAT BANK 2017-01-06 (P) 50k - - - - 3.45 - -
MUAMALAT BANK 2017-01-06 (P) 100k - - - - 3.65 - -
MUAMALAT BANK 2017-01-06 (P) 500k - - - - 3.80 - -
OCBC BANK 2017-01-31 (F) 10k - - - - - - 4.00
MAYBANK 2017-01-31 (F) 10k - - - - - - 4.00
BANK OF CHINA 2017-02-28 (F) 10k - - - - 3.50 3.95
UOB BANK 2017-02-28 (F) unknown - - - - - - 3.95
AGRO BANK 2017-03-31 (P) 1k - - 3.18 3.48 3.70
BANK OF CHINA 2017-03-31 (P) 10k - - - - 3.50 3.95
HSBC BANK 2017-03-31 (P) 100k - - 4.88 - - - -
PUBLIC BANK 2017-03-31 (F) 10k - - - - 3.88 - -
MAYBANK 2017-04-12 (F) 10k - - - - - - 3.88
CIMB 2017-04-30 (P) 10k - - - - 3.90 4.10
HONG LEONG BANK 2017-04-30 (P) 10k - - - - 4.00 - -
HONG LEONG BANK 2017-04-30 (P) 10k, Rent a Safe Deposit Box - - - - 4.10 - -
OCBC BANK 2017-04-30 (F) 10k - - - - - - 4.00
BANK OF CHINA 2017-06-30 (P) 10k - - - - - - 4.10
CIMB 2017-06-30 (P) 10k - - - - 3.90 4.10
HSBC BANK 2017-06-30 (P) 100k - - 4.88 - - - -
PUBLIC BANK 2017-06-30 (P) 10k - - - - 3.80 3.99
PUBLIC BANK 2017-06-30 (P) 10k - - 3.08 3.48 - -
UOB BANK 2017-06-30 (P) 10k - - - - 3.90 4.08
MAYBANK 2017-08-17 (P) 10k - - - - 3.90 - -
OCBC BANK 2017-07-31 (F) 10k - - - - - - 4.18
MAYBANK 2017-09-08 1) (P) 9k FD, 1k Kawanku Saving Account
2) (P) 9k FD, 1k Golden Savers Savings Account
3) (P) 9k FD, 1k Premier 1 Account / Premier Savings
 - - 4.00 - - - -
HSBC BANK 2017-09-30 (P) 100k,
HSBC Premier 		- - - - 4.18 - -
OCBC BANK 2017-09-30 (F) 10k, HSBC Premier - - - - - - 4.00
PUBLIC BANK 2017-09-30 (F) 10k - - - - - - 4.01
MUAMALAT BANK 2017-10-02 (F) 1k - - 3.40 3.60 3.80
MUAMALAT BANK 2017-10-02 (F) 100k - - - - - - 4.30
BANGKOK BANK 2017-10-11 (F) 10k - - 3.75 3.85 4.15
ALLIANCE BANK 2017-10-13 (F) 100k - - - - - - 3.95
PUBLIC BANK 2017-10-25 (P) 10k - - - - 3.88 4.08
BANGKOK BANK 2017-12-11 (F) 5k - - 3.85 4.00 - -


BANK Promo. End Cond. (Min) Month %
UOB BANK 2017-02-28 (F) unknown 4 3.68
UOB BANK 2017-02-28 (F) unknown 8 3.80
MAYBANK 2017-02-28 (F) 10k 10 3.91
HSBC BANK 2017-03-31 (P) 5k, HSBC Advance Account 3 5.00
AMBANK 2017-06-30 (F) 10k 4 3.60
PUBLIC BANK 2017-06-30 (P) 10k 9 3.95
UOB BANK 2017-06-30 (P) 10k 4 3.70
UOB BANK 2017-06-30 (P) 10k 8 4.00
AMBANK 2017-08-31 (F) 10k 5 3.30
AMBANK 2017-08-31 (F) 50k,
AmBank Signature Priority Banking 		10 3.825
OCBC BANK 2017-08-31 (F) 10k 9 3.85
OCBC BANK 2017-08-31 (F) 10k 15 4.00
MUAMALAT BANK 2017-10-02 (F) 1k 9 3.70
BANGKOK BANK 2017-10-11 (F) 10k 10 4.00
ALLIANCE BANK 2017-10-13 (F) 100k 24 4.20
HONG LEONG BANK 2017-10-31 (P) 10k,
CASA balance > RM 10k 		10 4.10
HONG LEONG BANK 2017-10-31 (P) 10k,
CASA balance > RM 10k,
hold / apply other active product(s) 		10 4.20
OCBC BANK 2017-12-15 (F) 10k 12 4.20


--------------------------------------------------------------------------------------------------------------

Promotion Senior FD HISTORY

BANK Promo. End Cond. (Min) Month %
AMBANK 2017-04-30 (F) 10k 60 4.35


Promotion e-FD HISTORY

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
MAYBANK 2017-07-31 (P) 10k - - - - 3.69 3.83
HONG LEONG BANK 2017-09-07 (P) 10k - - - - 4.10 - -
AMBANK 2017-09-30 (P) 10k - - - - 4.00 - -
HONG LEONG BANK 2017-10-07 (P) 10k - - - - - - 4.20
AMBANK 2017-10-31 (P) 5k - - - - 4.00 - -
HONG LEONG BANK 2017-11-07 (P) 2k - - - - 4.00 - -


BANK Promo. End Cond. (Min) Month %
HONG LEONG BANK 2017-02-28 (P) 10k 8 4.00
HONG LEONG BANK 2017-04-30 (P) 10k, Not Tuesday apply 9 4.05
HONG LEONG BANK 2017-04-30 (P) 10k, Tuesday apply 9 4.15
HONG LEONG BANK 2017-12-07 (P) 1k 13 4.20




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守护神9413
 楼主| 发表于 1-1-2017 08:42 AM | 显示全部楼层
本帖最后由 守护神9413 于 1-1-2017 08:46 AM 编辑

1st Maturity = promotion rate, 过后就是 跟 board rate


example:
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (3 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (3 months) 3% p.a.

2016-04-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate
你的 FD = 10,000 + 3 x (10,000 x 4%) / 12
= 10,000 + 3 x (10,000 x 0.04) / 12
= 10,000 + 100
= 10,100

2016-07-01
你的 FD = 10,100 + 3 x (10,100 x 3%) / 12
= 10,100 + 3 x (10,100 x 0.03) / 12
= 10,100 + 75.75
= 10,175.75

2016-10-01
你的 FD = 10,175.75 + 3 x (10,175.75 x 3%) / 12
= 10,175.75 + 3 x (10,175.75 x 0.03) / 12
= 10,175.75 + 76.32
= 10,252.07

2017-01-01
你的 FD = 10,252.07 + 3 x (10,252.07 x 3%) / 12
= 10,252.07 + 3 x (10,252.07 x 0.03) / 12
= 10,252.07 + 76.89
= 10,328.96
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守护神9413
 楼主| 发表于 1-1-2017 08:42 AM | 显示全部楼层
本帖最后由 守护神9413 于 1-1-2017 08:47 AM 编辑

Situation 1
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (4 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (4 months) 3% p.a.

2016-05-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate
你的 FD = 10,000 + 4 x (10,000 x 4%) / 12
= 10,000 + 4 x (10,000 x 0.04) / 12
= 10,000 + 133.33
= 10,133.33

2016-09-01
promotion 已过， 所以跟回 board rate
你的 FD = 10,133.33 + 4 x (10,133.33 x 3%) / 12
= 10,133.33 + 4 x (10,133.33 x 0.03) / 12
= 10,133.33 + 101.33
= 10,234.66

2017-01-01
你的 FD = 10,234.66 + 4 x (10,234.66 x 3%) / 12
= 10,234.66 + 4 x (10,234.66 x 0.03) / 12
= 10,234.66 + 102.35
= 10,337.01

Situation 2
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (4 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (4 months) 3% p.a.

2016-05-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate,
此时 有新的 promotion rate (4 months) 4.1 % p.a. (promotion end: 2016-06-01) (条件 : Placement 10,000)
你的 FD = 10,000 + 4 x (10,000 x 4%) / 12
= 10,000 + 4 x (10,000 x 0.04) / 12
= 10,000 + 133.33
= 10,133.33

2016-09-01
2016-05-01 的 promotion, 你没去更新 FD, 所以跟回 board rate
你的 FD = 10,133.33 + 4 x (10,133.33 x 3%) / 12
= 10,133.33 + 4 x (10,133.33 x 0.03) / 12
= 10,133.33 + 101.33
= 10,234.66

2017-01-01
你的 FD = 10,234.66 + 4 x (10,234.66 x 3%) / 12
= 10,234.66 + 4 x (10,234.66 x 0.03) / 12
= 10,234.66 + 102.35
= 10,337.01

Situation 3
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (4 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (4 months) 3% p.a.

2016-05-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate,
此时 有新的 promotion rate (4 months) 4.1 % p.a. (promotion end: 2016-06-01) (条件 : Placement 10,000)
你的 FD = 10,000 + 4 x (10,000 x 4%) / 12
= 10,000 + 4 x (10,000 x 0.04) / 12
= 10,000 + 133.33
= 10,133.33

2016-09-01
2016-05-01 的 promotion, 你有去更新 FD, 所以是 跟 promotion rate 4.1% p.a.
你的 FD = 10,133.33 + 4 x (10,133.33 x 4.1%) / 12
= 10,133.33 + 4 x (10,133.33 x 0.041) / 12
= 10,133.33 + 138.49
= 10,271.82

2017-01-01
promotion 已过， 所以跟回 board rate
你的 FD = 10,271.82 + 4 x (10,271.82 x 3%) / 12
= 10,271.82 + 4 x (10,271.82 x 0.03) / 12
= 10,271.82 + 102.72
= 10,374.54
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神垂死
发表于 1-1-2017 10:15 AM | 显示全部楼层
头香，promotion FD有那些超过4%的？

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yellowman88
发表于 1-1-2017 10:48 AM 来自手机 | 显示全部楼层
神垂死 发表于 1-1-2017 10:15 AM
头香，promotion FD有那些超过4%的？

我也想知道

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神垂死
发表于 1-1-2017 11:09 AM | 显示全部楼层
yellowman88 发表于 1-1-2017 10:48 AM
我也想知道

应该有。。但感觉楼主每次都没有最新的~

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守护神9413
 楼主| 发表于 1-1-2017 04:00 PM | 显示全部楼层
神垂死 发表于 1-1-2017 10:15 AM
头香，promotion FD有那些超过4%的？

不好意思，
现阶段暂时还没有 ~
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huenyichong
发表于 1-1-2017 05:17 PM | 显示全部楼层
FD帖
好事来的

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gorson
发表于 5-1-2017 02:20 PM | 显示全部楼层
好东西，留步感谢！

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投资小新手
发表于 5-1-2017 09:58 PM | 显示全部楼层
神垂死 发表于 1-1-2017 10:15 AM
头香，promotion FD有那些超过4%的？

Maybank 4.1 Fresh Fund 有quote 每个月一号 才有机会
Bank Rayat 4.3 i

Affin

FD Combo

1) 2 months - 3.58% + 15 months 4.28% (Avg. 4.20%)

2) 4 months - 3.68% + 15 months 4.28% (Avg. 4.15%)

3) 6 months - 3.88% +  15 months 4.28% (Avg. 4.17%)

Minimum Fresh Fund 20K (10K + 10K)

没了

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神垂死
发表于 5-1-2017 10:00 PM | 显示全部楼层
投资小新手 发表于 5-1-2017 09:58 PM
Maybank 4.1 Fresh Fund 有quote 每个月一号 才有机会
Bank Rayat 4.3 i

Affin

FD Combo

1) 2 months - 3.58% + 15 months 4.28% (Avg. 4.20%)

2) 4 months - 3.68% + 15 months 4.28% (Avg. 4.15%)
...

偶自从上一年存款从FD拿了出来就一直放在ATM卡，每个月都损失掉500多块利息，现在想到都暗垂，然后利息降回3%多，都没什么兴趣放了。。

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投资小新手
发表于 5-1-2017 10:11 PM | 显示全部楼层
神垂死 发表于 5-1-2017 10:00 PM
偶自从上一年存款从FD拿了出来就一直放在ATM卡，每个月都损失掉500多块利息，现在想到都暗垂，然后利息降回3%多，都没什么兴趣放了。。

哪不是 不要放 其实也就差哪一点罢了

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神垂死
发表于 5-1-2017 10:16 PM | 显示全部楼层
投资小新手 发表于 5-1-2017 10:11 PM
哪不是 不要放 其实也就差哪一点罢了

其实6年多里偶不重视那个FD，然后自己又不会投资，全部钱放在ATM卡，前前后后偶算了利息有10多千飞掉了，尤其素2016年偶没放FD了，因为不得空搞FD，每个月利息没了500利息，1月1号偶看银行给atm存款多少利息才200多罢了，所以不能小看这个FD，可以累积成多~

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投资小新手
发表于 5-1-2017 10:21 PM | 显示全部楼层
神垂死 发表于 5-1-2017 10:16 PM
其实6年多里偶不重视那个FD，然后自己又不会投资，全部钱放在ATM卡，前前后后偶算了利息有10多千飞掉了，尤其素2016年偶没放FD了，因为不得空搞FD，每个月利息没了500利息，1月1号偶看银行给atm存款多少利息才200 ...

这个是目前看到 最高的 但是 自己 要去问 清楚
AmBank Interest Plus  7%

AmBank Interest PlusMake your money work harder. A short-term investment a combination of Fixed Deposits and Unit Trust Investment for double the benefits.

    • RM2000 minimum deposit
    • Auto-Renewal
  • [td]
    You DepositDeposit PeriodEffective Interest Rate
    more than RM100001 month30% p.a.
    more than RM20003 months11% p.a.
    more than RM20006 months7% p.a.



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神垂死
发表于 5-1-2017 10:24 PM | 显示全部楼层
投资小新手 发表于 5-1-2017 10:21 PM
这个是目前看到 最高的 但是 自己 要去问 清楚
AmBank Interest Plus  7%

AmBank Interest PlusMake your money work harder. A short-term investment a combination of Fixed Deposits and Unit Trust Inv ...

不得空问，工作都很忙，偶都素看楼主的贴后去银行放的，偶只放FD，那种什么要申请信用卡才拿到高的FD一切通通都不看~

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投资小新手
发表于 5-1-2017 10:28 PM | 显示全部楼层
神垂死 发表于 5-1-2017 10:24 PM
不得空问，工作都很忙，偶都素看楼主的贴后去银行放的，偶只放FD，那种什么要申请信用卡才拿到高的FD一切通通都不看~

这个是 投资信托 结合 一起 FD 的 有兴趣的一定要 自己去 问清楚
要放便 Bank Rayat 的 i-deposit 4.3 目前是最高的了

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神垂死
发表于 5-1-2017 10:30 PM | 显示全部楼层
投资小新手 发表于 5-1-2017 10:28 PM
这个是 投资信托 结合 一起 FD 的 有兴趣的一定要 自己去 问清楚
要放便 Bank Rayat 的 i-deposit 4.3 目前是最高的了

其实银行的信托基金值得投资吗？？

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投资小新手
发表于 5-1-2017 10:37 PM | 显示全部楼层
神垂死 发表于 5-1-2017 10:30 PM
其实银行的信托基金值得投资吗？？

自己去问吧 钱是自己的 赚和亏 都是你的

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守护神9413
 楼主| 发表于 7-1-2017 10:16 AM | 显示全部楼层
投资小新手 发表于 5-1-2017 10:21 PM
这个是目前看到 最高的 但是 自己 要去问 清楚
AmBank Interest Plus  7%

AmBank Interest PlusMake your money work harder. A short-term investment a combination of Fixed Deposits and Unit Trust Inv ...


不好意思， 请问你有没有 link
或许我看漏了 ?

Affin Bank
http://www.affinbank.com.my/General/Promotions.aspx

Ambank
http://www.ambank.com.my/eng/promotions


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