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发表于 4-8-2011 02:21 PM
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请问现在哪家的FD利息是最划算的？
打算帮我家人拿个rm30k 做FD！！！
麻烦各位朋友告知与建议一下！！
谢谢！！ |
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发表于 4-8-2011 04:10 PM
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请问对于一对退休月消费2k的保守夫妇，300k的现金应该如何管理最适当？ |
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发表于 5-8-2011 08:44 AM
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回复 245# 900215
把部分现金放进稳定的 fd ... |
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发表于 6-8-2011 01:55 PM
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我的是分散投资，45%放进定期，30%基金，25%股市与期货。财富要有规划，鸡蛋不可放在同一篮. |
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发表于 18-8-2011 11:51 PM
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回复 241# youngone
例子:RM100k 3% 放一年
放了一年后, 就是RM 103k
条件是当中一年内不能动用这笔钱,如果硬要取出..可以但会依可银行所定的条款需支付某些费用...
其实我想说,大多数银行的定期利息都差不多一样...
-->我建议如果已决定要放定期..选择一间里你家方便又靠近的,服务态度友好的就可以了..
-->还有其实如果自己资金并不松动,你可以把定期分期
例子: 100k
50k 放一年
25k 放半年
15k 放四个月
10k 放三个月
等等..万一需要钱, 可以较flexible..(看自己的风险与现金流而决定) |
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发表于 19-8-2011 12:02 AM
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回复 245# 900215
300k 讲多其实并不多..
考虑的地方有
300要用几久?两位?到几岁?
保险?保健?紧急费用?
我个人觉得不够...
一样需要了解自己能承担的风险多少而决定如何运用...
如果真得非常保守...flexi FD 可能是你的选择...
例子: HLB flexi FD
12 months 3.25%
定期其实不能取钱出来,可是有flexi FD这个东西..hlb flexi fd 允许你有条件的取出钱,每次一定rm3000
请向到你附近的银行了解..senior flexi fd 这个东西. |
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发表于 19-8-2011 12:08 AM
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回复 244# Jay-e0605
要了解定期存款的目的..其实30k 并不多.
例子: 30k fixed deposit 3 个月 , 3% (应该在2.9%-3%) 如果能用父母的名,可以选择senior fd 利息较高
三个月后, formula = rm3000+3000*3/100/12*3 = rm3225 (大概)
可以浏览www.bankinfo.com |
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发表于 19-8-2011 01:40 PM
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回复 249# zercousy
据我所知HL Flex FD 现在一年是3.8%（目前所有银行里最高）对吗？AFFIN是3.6%p.a.
如果一对夫妻只有300k，无负债，快退休，每月消费2k可以用几久？不善投资，那该如何分配？ |
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发表于 19-8-2011 04:14 PM
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回复 zercousy
据我所知HL Flex FD 现在一年是3.8%（目前所有银行里最高）对吗？AFFIN是3.6%p.a ...
900215 发表于 19-8-2011 01:40 PM 
简单计算，300k/24k= 12.5年。 |
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发表于 19-8-2011 05:36 PM
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回复 252# [风]少爷
但如果+利息3%，-5%通膨只够用8-9年而已。 |
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发表于 19-8-2011 08:45 PM
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回复 [风]少爷
但如果+利息3%，-5%通膨只够用8-9年而已。
900215 发表于 19-8-2011 05:36 PM
不好意思。。简单算嘛 。。 |
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发表于 21-8-2011 01:58 AM
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回复 251# 900215
是的，这是最新的promo...哈哈
http://www.hlb.com.my/promo/pfs/dep_flexiFD5/index.jsp?s=promo
是不是最高，我没研究 |
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发表于 3-9-2011 11:08 PM
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请问：
如果我想提出部分的FD出来放在current account,应该在mature date那天还是过后几天提出来？
提出的话可以要求bank开支票的吗？(FD 和current account在不同的bank.)
麻烦大家为我解答，谢谢 |
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发表于 4-9-2011 12:34 AM
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我是在mature date后一天。提出的话是可以要求bank开支票或bank draf的。 |
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发表于 4-9-2011 11:22 PM
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回复 257# 900215
噢，谢谢你的回复。请问提出的时候需要带什么证件？当初存款的receipt需要带去吗？ |
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发表于 5-9-2011 08:40 PM
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回复 258# 忠于自己
存款者本人去，带IC和FD cert去就可以了 |
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发表于 17-9-2011 06:42 PM
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假如我拿5k来放fd，是不是100%就能拿到信用卡？ |
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发表于 18-9-2011 01:38 PM
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老虎银行...
FD/IFD-i Malaysia
Celebrate 48 years of togetherness with two great choices of FD tenures, offering high profit payments of up to 4.18% p.a. This exciting campaign will commence from 9 September 2011 until 9 October 2011, a one month campaign period or upon reaching the set target, whichever is earlier.
Further info on our latest campaign informations are as below:
Eligibility
•Individual customers
•SME customers
•Business Banking customers
Campaign Period
Launch Date: 9 September 2011 until 9 October 2011
Exclusive for Private Banking & Priority Banking : 9 September 2011 - 15 September 2011
All Branches (Inclusive of Private Banking & Priority Banking) : 16 September 2011 - 9 October 2011
Minimum Placement
•RM20,000 for Individuals
•RM50,000 for SME
•RM50,000 for Business Banking
Maximum Placement
•No limit for Individuals
•RM 3.0 million for SME & Business Banking
Rates Applicable
The promotional rates are as follows:
Tenure Tiered Promotional Rates
4 Months 1st & 2nd Month 3.10% p.a.
3rd Month 3.25% p.a.
4th Month 3.88% p.a.
6 Months 1st & 2nd Month 3.10% p.a.
3rd to 5th Month 3.25% p.a.
6th Month 4.18% p.a.
Mode of Placement
Over the counter only.
The special rates are offered only for new placements. Automatic Rollover of FD certificates from previous period will not be entitled to this special rate.
Disclaimer
Maybank reserves the right at its sole discretion to vary, supplement, delete, amend or modify any of these Terms and Conditions from time to time by giving 14 days of prior notice. The notice, listing the variations, supplemental, deletions, amendments or modifications, as the case may be to these Terms and Conditions and the new varied amended, supplemented and modified Terms and Conditions will be posted on the www.maybank2u.com or by any other mode of publication.
Terms and Conditions apply. |
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发表于 18-9-2011 11:06 PM
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回复 260# mimi8888
没记错BSN银行应该可以。请去BSN询问确认。^ ^ |
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发表于 20-9-2011 01:29 AM
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目前FD,把rm10k放在哪个银行回酬最高？affin,hong leong? |
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