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发表于 29-3-2011 10:28 PM
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哇～win兄，我才几天没上来你就升到版主了，恭喜！恭喜！
是什么版的？ |
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发表于 30-3-2011 04:25 PM
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想请各位大大帮忙，我在柔佛，想做些投资，该如何做呢？我希望在退休时有比资金和收入，已有定下目标，但单靠薪水不足于达到。。。目前有做每月定存（以复利率的方式自行增加本金）。。但利率太低，恐怕无法赶上通膨。。。
有考虑股票，但我毫无概念，想先学习了在投资。。。所以目前我还能做些什么投资呢？
有没有什么投资计划可分享？
谢谢~ |
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发表于 1-4-2011 12:23 AM
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6-8個月fd 是 2.9%
9-11個月fd 是 3.0%
12,15個月fd 是 3.1%
win20282002 发表于 21-2-2011 10:47 AM 
1个月和3个月的利息是多少? |
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发表于 1-4-2011 12:31 AM
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1个月和3个月的利息是多少?
boscomen 发表于 1-4-2011 12:23 AM
1個月到5個月的定存利息是2.75% (AXBANK) |
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发表于 1-4-2011 10:32 PM
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虎头星期一launch新的FD promotion...
Multi-tier rate...
Term：4 & 6 mth only..
平均起来 ...
4mths - 3.1% pa
6mths - 3.2% pa
upon maturity, will back to normal rate...
min placement - individual RM10k
有兴趣的可以去邻近的虎头问~
不敢写太多...@@ |
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发表于 3-4-2011 09:56 PM
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本帖最后由 kteng7739 于 3-4-2011 10:08 PM 编辑
update maa 的 fde
Fixed Dividend Endowment Plan (FDE)
Description
Fixed Dividend Endowment is designed to provide you with a stable income for the period of investment because dividend is paid annually.
This is a single premium, non-participating endowment policy designed to give the policyholders a specific guaranteed fixed dividend, or yield on maturity (similar to a fixed deposit with a bank or finance company). The benefit will be payable upon survival, death or surrender. The maturity period ranges from 1 to 5 years.
Benefits
Guaranteed Fixed Annual Dividend Rates*
Maturity Term (year/s) Fixed Annual Dividend
1-year
3.25%
2-year
3.35%
3-year
3.60%
5-year
3.80%
* May change from time to time
Death Benefit Coverage
In the event of death of the Life Insured during the policy term, a sum assured of 125% of the Single Premium is payable.
Dividend will be paid annually to policyholder
Accessibility
You are encouraged to invest in a longer-term plan to enjoy the high dividend rates.
Early withdrawal is allowed at any one time according to this formula;
Surrender Value(SV) = 99% x SP x (1.025) k/365
k = no. of days from last policy anniversary date to surrender date.
e.g. RM10,000 policy, surrender after 200 days
Surrender Value = 99% x 10,000 x (1.025) 200/365
= RM10,034.86
Plan Highlights
Guaranteed high fixed dividend rates on your investment
Life insurance coverage up to 125% of the Single Premium
No service charge and management fees
Hassle free investment managed by professional investment team
All proceeds from FDE are tax-free
It is a capital & dividend guaranteed plan.
Eligibility
Minimum
Maximum
Insured
30 days
60 years
Policyowner
18 years
No limit
Application Amount (per life)
Minimum is RM10,000
Maximum is RM4 million
No medical examination is required for applications up to RM1 million.
Rollover Options
2 months prior to maturity, MAA will send out the letter to all policyholders with the following options:
a) withdraw dividend only
b) withdraw ALL
c) rollover at prevailing rates
If a “NO” reply is received by MAA from the policyholders, MAA will execute your preference as indicated in your proposal form. Note that the current rate is not a guide to future rates which may be different and have no bearing to current rates. Future rate may rise or fall.
https://www.maa.com.my/MAAAS/Pages/Index.aspx
保障，利息不会输saving plan,要几时withdraw 也可以， |
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发表于 3-4-2011 10:45 PM
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发表于 3-4-2011 10:56 PM
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本帖最后由 kteng7739 于 3-4-2011 11:29 PM 编辑
回复 168# win20282002
1) 它的利息是和bank 的利息做调整， 上下follow bank negara guide
2) 他的利息算法，那个 （99% * amount）*利息 *day 的那里清楚写了
e.g. RM10,000 policy, surrender after 200 days
Surrender Value = 99% x 10,000 x (1.025) 200/365
= RM10,034.86
3）agent 的fees 10k, rm10 
4)保险是 （99%*amount* 利息* day/365 ）+12.5k (max) |
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发表于 4-4-2011 01:33 PM
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发表于 4-4-2011 01:55 PM
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发表于 4-4-2011 02:05 PM
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发表于 4-4-2011 08:59 PM
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回复 win20282002
没有办法， 保险公司也要赚钱， 还有更臭的是，如果你在存的时侯，利息上调了（上), ...
kteng7739 发表于 4-4-2011 02:05 PM
這樣子看來, 它唯一較大的好處豈不是只剩保障而已?
但諷刺的是, 會申請這保單的人, 主要都不是為了它的保障! |
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发表于 4-4-2011 10:02 PM
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回复 173# win20282002
东西两边看咯。。。 如果一个人健康有问题，买不进保险，可以试试走漏洞。。。。。 |
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发表于 4-4-2011 10:14 PM
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发表于 4-4-2011 10:18 PM
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本帖最后由 kteng7739 于 4-4-2011 11:09 PM 编辑
回复 175# win20282002
老兄， 你熟trust, 如果换一个方式想。 你看到它的好除吗？
虽然它comission 少， 如果我分一年4次， 然后client 的amount 很大， commission 也不少。。。。
加上再拿他的利息去滚。。。其实赚的commision 不会输saving plan  |
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发表于 4-4-2011 11:21 PM
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本帖最后由 win20282002 于 4-4-2011 11:23 PM 编辑
回复 win20282002
老兄， 你熟trust, 如果换一个方式想。 你看到它的好除吗？
kteng7739 发表于 4-4-2011 10:18 PM
的確好處有好幾些:
- 避開債權人的糾纏. (只要這保費在繳交時沒有欺騙的企圖)
- 無需醫藥檢查 (保額在1百萬之內) 即使身體健康不如意, 也有機會獲得保障.
- 可以成為信託保單, 無需另外做遺囑.
如有不對的地方, 懇請糾正!
明白了! 謝謝版主不吝指導! |
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发表于 5-4-2011 12:25 AM
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发表于 5-4-2011 10:43 AM
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回复 178# alexsuen
sample 是以 2.5% 来算（我是copy and paste 的) 不好意思 |
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发表于 13-4-2011 11:23 AM
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爬贴果然让人·受益不少 |
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发表于 22-4-2011 11:15 PM
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本帖最后由 winnie616 于 22-4-2011 11:18 PM 编辑
大众银行现在利息2.85%p.a.,我在存入1k FD后才知道RHB3.1%p.a.,气死我也。。还好我放半年罢了。。到底哪个银行的利息最高哦？ |
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