Best Fixed Deposit Accounts In Malaysia - February 2024 (2024)

Best Fixed Deposit Accounts In Malaysia - February 2024

Best Fixed Deposit Accounts In Malaysia - February 2024 (2)

ringgitplus

31st January 2024 - 8 min read

Best Fixed Deposit Accounts In Malaysia - February 2024 (3)

Last update: 31 January 2024

Best Fixed Deposit Promos – February 2024

BankEffective Rate (% p.a.)Minimum DepositMaximum DepositTenurePromotion Period
Affin Bank
(Banca Deposit Campaign – requires customers to purchase selected bancassurance product)
Single premium or contribution
– 12.88 (1 month)
– 7.88 (3 months)
– 5.88 (6 months)

Regular premium or contribution
– 28.88 (1 month)
– 13.88 (3 months)
– 8.88 (6 months)

Single premium or contribution
– RM50,000 (fixed deposit)
– RM10,000 (term deposit-i)

Regular premium or contribution
– RM10,000 (fixed deposit and term deposit-i)

N/A – 1 months

– 3 months

– 6 months

1 Oct 2023 – 31 Jan 2024
Alliance Bank
(CNY Wealth and FD bundle promotion – requires customers to invest in selected unit trust products)
12.88RM1,000N/A– 3 months2 Jan–29 Feb 2024
Alliance Bank
(Alliance Privilege FD/TD-i promotion – open to new Alliance Privilege Banking customers, over-the-counter offer)
4.10RM1,000RM300,0006 months1 Oct 2023 – 31 Mar 2024
Alliance Bank
(Alliance Personal TD-i promotion – open to new Alliance Personal customers, over-the-counter offer)
4.10RM1,000RM100,0006 months1 Oct 2023 – 31 Mar 2024
Alliance Bank
(Alliance Bank Bancassurance & FD campaign – requires customers to invest in selected bancassurance regular premium products)
– 6.50 (RM10,000 bancassurance amount)

– 8.50 (RM50,000 bancassurance amount)

– 9.50 (RM100,000 bancassurance amount)

RM1,000 (FD placement amount)N/A6 months1 Oct 2023 – 31 Mar 2024
Alliance Bank
(New Investor campaign – for new investment customers on selected conventional unit trust products)
9.50RM1,000 (FD placement amount)N/A3 months1 Oct 2023 – 31 Mar 2024
Alliance Bank
(Investment and FD bundle campaign – requires customers to invest in selected investment products)

Retail securities & FD bundle
7.50

Structured investment & FD bundle
7.50

Unit trust & FD bundle
8.50

RM1,000N/A3 months1 Oct 2023 – 31 Mar 2024
Bank Muamalat
(Fixed Term Account Fantastic Pocket Campaign)
4.05RM10,000RM800 million6 months1 Dec 2023 – 31 Jan 2024
Bank Simpanan Nasional
(BSN Term Deposit-i with BSN SSP Platinum bundle campaign)
5.70 RM5,000 N/A6 months1 Jan – 30 Apr 2024
CIMB Bank
(eFD/eFD-i campaign)
Funds from CIMB current/savings account/-i
– 3.65 (6 months)
– 3.70 (12 months)

Funds from other banks via FPX
– 3.65 (3 months)
– 3.80 (7 months)

RM1,000Subject to FPX transaction limit– 3 months

– 6 months

– 7 months

– 12 months

1 Feb – 15 Mar 2024
Hong Leong Bank
(HLB eFD/eFD-i 6-month promo)
– 3.55 (3 months)

– 3.75 (6 months)

– 3.70 (12 months)

RM1,000RM200,000– 3 months

– 6 months

– 12 months

30 Jan – 29 Feb 2024
Hong Leong Bank
(HLB eFD/eFD-i 9-month promo)
3.75RM1,000RM200,0009 months30 Jan – 29 Feb 2024
Hong Leong Bank
(HLB CNY Unit Trust and FD bundle promo – requires customers to invest in selected unit trust products)
5.38N/AAny FD amount up to the unit trust investment amount3 months15 Jan – 31 Mar 2024
Hong Leong Bank
(HLB CNY Bancassurance and FD bundle promo – requires customers to invest in selected bancassurance products)
Regular premium
– 8.88 (3 months)
– 6.88 (6 months)
– 5.38 (12 months)

Single premium
– 6.88 (3 months)

RM1,000Up to the maximum amount equivalent to the annual premium size– 3 months

– 6 months

– 12 months

10 Jan – 31 Mar 2024
Hong Leong Bank
(HLB CNY promo for new Priority Banking customers)
4.08RM10,000RM500,0003 months3 Jan – 31 Mar 2024
HSBC Bank
(HSBC Time Deposit USD/MYR promo – for new Premier customers)
Time Deposit in USD
– 5.68 (with minimum asset of RM200,000)
– 6.00 (with minimum asset of RM3 million and above)

Time Deposit in MYR
– 4.00 (with minimum asset of RM200,000)
– 4.18 (with minimum asset of RM3 million and above)

– RM50,000
– USD10,000
– RM1 million
– USD200,000
6 months2 Jan – 31 Mar 2024
HSBC Bank
(HSBC Time Deposit (TD) Bundle in MYR/USD promo – requires Premier customers to invest or purchase in specified products with the bank)
TD & unit trusts bundle
– 5.28 (MYR TD)
– 6.28 (USD TD)

TD & structured investments bundle
– 5.28 (MYR TD)
– 6.28 (USD TD)

TD & foreign currency bonds bundle
6.28 (USD TD)

TD & bancassurance (regular premium) bundle
– 6.28 (MYR TD)
– 7.28 (USD TD)

TD & bancassurance (single premium) bundle
– 6.28 (MYR TD)
– 7.28 (USD TD)

Unit trusts, structured investments, foreign currency bonds
RM50,000 or USD equivalent

Bancassurance
RM20,000 or USD equivalent

N/A6 months2 Jan – 31 Mar 2024
OCBC Bank
(FD/FD-i promo – requires customers to also have an OCBC 360 savings account/-i)
4.08RM1,000 RM5 million6 months1 Jan – 3 Feb 2024
Public Bank
(PB RCB Special FD/TD-i campaign – Red Carpet Banking customers are required to maintain a minimum
aggregated deposit amount)
RCB Gold
– 3.60 (3 months)
– 3.70 (6 months)
– 3.80 (9 months)
– 3.85 (12 months)

RCB Elite
– 3.65 (3 months)
– 3.75 (6 months)
– 3.85 (9 months)
– 3.90 (12 months)

RM10,000 RM10 million– 3 months

– 6 months

– 9 months

– 12 months

1 Jan – 31 Mar 2024
Public Bank
(PB Special Fixed Deposit campaign – for PLUS Fixed Deposit)
– 3.55 (3 months)

– 3.65 (6 months)

– 3.75 (9 months)

– 3.80 (12 months)

RM5,000 RM10 million – 3 months

– 6 months

– 9 months

– 12 months

1 Jan – 31 Mar 2024
Public Bank
(PB eFD via FPX campaign)
– 3.60 (3 months)

– 3.70 (6 months)

– 3.80 (9 months)

– 3.85 (12 months)

RM5,000 RM2 million– 3 months

– 6 months

– 9 months

– 12 months

1 Jan – 31 Mar 2024
Public Bank
(50 Golden Journey campaign – only for customers aged 50 years old and above, as well as have 50 PLUS Savings account and PB Golden 50 PLUS Fixed Deposit Account)
– 3.60 (3 months)
– 3.70 (6 months)
– 3.85 (12 months)
RM5,000 RM10 million– 3 months

– 6 months

– 12 months

1 Jan – 31 Mar 2024
Public Bank
(Power Invest FD bundle campaign– requires customers to also invest in selected unit trust or bancassurance products)
Unit trust/
bancassurance + FD bundle (2:1 ratio)

RM10,000 to less than RM300,000 in FD
– 4.65 (3 months)
– 3.95 (8 months)

RM300,000 and above in FD
– 5.45 (3 months)
– 4.25 (8 months)

Unit trust/
bancassurance + FD bundle (5:1 ratio)

RM10,000 to less than RM300,000 in FD
– 9.05 (3 months)
– 5.60 (8 months)

RM300,000 and above in FD
– 13.05 (3 months)
– 7.10 (8 months)

RM10,000N/A– 3 months

– 8 months

1 Jan – 30 June 2024
RHB Bank
(Term Deposit & e-Term Deposit campaign)
– 3.80 (min placement RM1,000)

– 3.90 (min placement RM10,000)

– RM1,000 (for 3.80% p.a. interest rate)

– RM10,000 (for 3.90% p.a. interest rate)

N/A6 months– 26Jan – 31Mar2024 (Term Deposit)

– 31Jan – 31Mar2024 (e-Term Deposit)

Standard Chartered Bank
(SC CNY 2024 campaign – for Priority Banking customers who buy bancassurance or takaful products)
Up to 6.88N/AN/A12 monthsN/A

Monthly Update

Here’s a roundup of this month’s updates to the best fixed deposit accounts in Malaysia.

  • Overall, Islamic FD products continue to offer higher interest rates compared to conventional FD products.
  • Junior savers can opt for MBSB Junior Term Deposit-i (3.20% p.a. interest for 6-month tenure).
  • The highest interest rate recorded in this month’s round-up is 3.45% (Agrobank; 12-month FD), whereas the lowest stands at 2.55% (OCBC Bank; 1-month FD).

Original article follows below.

“What’s the best fixed deposit in Malaysia?” It’s one of the most common questions we hear from Malaysians who want a stable and secure form of savings. With its combination of zero risks, guaranteed returns, and the flexibility of choosing the duration of the deposit, many turn to fixed deposits as a reliable form of short to medium-term savings.

Most fixed deposit accounts in Malaysia are also regulated by Perbadanan Insurans Deposit Malaysia (PIDM) that gives protection for your investment in the unlikely event of member bank failure. So when identifying which fixed deposit account to put your money in, the main points of consideration should be interest rates, minimum deposit amount, and if they are insured by PIDM.

Here are the highest interest fixed deposit accounts in Malaysia, arranged by duration. The tables below will be updated every month.

Top 1-month FD rates in Malaysia

Bank NameProduct NameMinimum DepositInterest/Profit Rate Profit on RM10,000Depositor’s Insurance
Bank RakyatBank Rakyat Term Deposit Account-iRM5,0003.00%RM25.00Malaysian Govt
Bank of ChinaBank of China Fixed Deposit Account-iRM5,0002.90%RM24.17PIDM
Alliance Islamic BankAlliance Islamic Term Deposit-iRM5,0002.75%RM22.92PIDM
Bank of Nova ScotiaBank of Nova Scotia Fixed DepositRM5,0002.65%RM22.08PIDM
OCBC BankOCBC MYR Fixed DepositRM5,0002.55%RM21.25PIDM

Top 3-month FD rates in Malaysia

Bank NameProduct NameMinimum DepositInterest/Profit Rate Profit on RM10,000Depositor’s Insurance
MBSB Bank MBSB Term Deposit-iRM5003.10%RM77.50PIDM
Bank of ChinaBank of China Fixed Deposit AccountRM1,0003.00%RM75.00PIDM
India International BankIndia International Bank Fixed DepositRM1,0002.95%RM73.75PIDM
Bank IslamBank Islam Term Deposit-iRM5002.75%RM68.75PIDM
HSBC BankHSBC Time DepositRM1,0002.70%RM67.50PIDM

Top 6-month FD rates in Malaysia

Bank NameProduct NameMinimum DepositInterest/Profit Rate Profit on RM10,000Depositor’s Insurance
Agrobank Agrobank Fixed Return Investment Account-iRM1,0003.30%RM165.00Malaysian Govt
MBSB Bank MBSB Junior Term Deposit-iRM5003.20%RM160.00PIDM
Bank Simpanan NasionalBSN Term DepositRM5003.10%RM155.00PIDM
Bank of ChinaBank of China Fixed Deposit AccountRM1,0003.05%RM152.50PIDM
Al Rajhi BankAl Rajhi Term Deposit-iRM5002.85%RM142.50PIDM

Top 9-month FD rates in Malaysia

Bank NameProduct NameMinimum DepositInterest/Profit Rate Profit on RM10,000Depositor’s Insurance
Agrobank Agrobank Fixed Return Investment Account-iRM1,0003.40%RM255.00Malaysian Govt
Bank RakyatBank Rakyat Term Deposit Account-iRM5003.30%RM247.50Malaysian Govt
Bank MuamalatBank Muamalat Fixed Term Account-iRM1,0003.20%RM240.00Malaysian Govt
Bank of ChinaBank of China Fixed Deposit AccountRM1,0003.10%RM232.50PIDM
Al Rajhi BankAl Rajhi Term Deposit-iRM5002.90%RM217.50PIDM

Top 12-month FD rates in Malaysia

Bank NameProduct NameMinimum DepositInterest/Profit Rate Profit on RM10,000Depositor’s Insurance
AgrobankAgrobank Fixed Return Investment Account-iRM1,0003.45%RM345.00Malaysian Govt
MBSB BankMBSB Term Deposit-iRM5003.40%RM340.00PIDM
Bank MuamalatBank Muamalat Fixed Term Account-iRM1,0003.30%RM330.00PIDM
Alliance Bank Alliance Bank Fixed DepositRM5003.10%RM310.00PIDM
Al Rajhi BankAl Rajhi Term Deposit-iRM5002.95%RM295.00PIDM

Ready to apply? Check out the RinggitPlus Fixed Deposits page, where you’ll find useful information for fixed deposit promotions available in Malaysia, as well as a useful fixed deposit calculator!

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Best Fixed Deposit Accounts In Malaysia - February 2024 (4)

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Comments (87) Best Fixed Deposit Accounts In Malaysia - February 2024 (5)

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Martin

3 years ago

I am retiring soon. Looking to park my pension Rm2m approx in a safe product with monthly devidents of Rm8k.
Any ideas?

110

Reply

Kasman Muslimin

2 years ago

Reply to Martin

Public Mutual have product called unit trust money market which provide dividend every month with no sales charge, if you interested to know further, let me know. I’m please to help

64

Reply

Anonymous

1 year ago

Reply to Kasman Muslimin

what is the name of the fund??

Reply

Anonymous

8 months ago

Reply to Kasman Muslimin

Keep in your EPF, bullsh*t just want to eat your money.

63

Reply

ckc

6 months ago

Reply to Kasman Muslimin

Although unit trusts do give dividends but the nett asset value (NAV) is adjusted to a lower value accordingly. If you reinvest the dividend, you end up with exactly the same value but with more units at a lower adjusted NAV. If you take out the dividend, your fund value becomes lower. Profits from unit trust have to come from capital appreciation of NAV due to stock or bond appreciation.

19

Reply

Anonymous

3 months ago

Reply to Kasman Muslimin

Don’t trust any unit trust package, invested for more than 10 years with poor single digit return!

13

Reply

CK LIM

2 years ago

Reply to Martin

You better off stick with EPF, which gives about 100k annual return which you want to.

95

Reply

mugun

1 year ago

Reply to CK LIM

He need monthly withdraw ….EPF can withdraw monthly?

19

Reply

Anonymous

1 year ago

Reply to mugun

Yes you can request monthly withdrawal.

7

Reply

Anonymous

1 year ago

Reply to mugun

Can

1

Reply

Anonymous

1 year ago

Reply to mugun

He can coz he is a retiree soon

8

Reply

Anonymous

1 year ago

Reply to mugun

Can be arranged with EPF .

2

Reply

Anonymous

4 months ago

Reply to mugun

Can withdraw daily, 30k per day

Reply

Kevin

3 months ago

Reply to mugun

Yes you can . Even now as long as you have > 1 million you can take the excess out any amount any time. I have 2.2 million in EPF and take 5 to 7k every month and I am 52

4

Reply

Helen Mee Tsin Ryder

1 year ago

Reply to CK LIM

Epf only accept RM60k voluntary contribution annually only… not 2M. There is no way RM8000/month with RM2M. Unless you are good in stock market. Equity and unit trusts bonds all depreciating in this pandemic period. No interests incomes can be fixed. Except conventional bank FD only. Interest rates are still very low.

12

Reply

Azizan

1 year ago

Reply to Helen Mee Tsin Ryder

Got.
There are a few depending on your risk appetite.

Reply

Anonymous

10 months ago

Reply to CK LIM

U cannot deposit 2m

Reply

Anonymous

4 months ago

Reply to CK LIM

Agree

1

Reply

James

1 year ago

Reply to Martin

If u can have 2m pension but don’t know where to park it.. U likely don’t belong to blue collar group and not have the 2m

1

Reply

Jimmy

9 months ago

Reply to James

What’s the point of saying this? 🤦🏻‍♂️

19

Reply

Naz

8 months ago

Reply to Jimmy

hahahahahhaha

Reply

Nalni Parthipan

1 year ago

Reply to Martin

All Banks and Insurance companies are regulated under BNM, instead insurance one step forwards not only given dividends and Interest . Perhaps given coverage as well.

Reply

Azizan

1 year ago

Reply to Nalni Parthipan

Rule of thumb: Insurance/Takaful meant for coverage purposes not investment.
Yeah, there are product linked to the investment platform, but still cannot rely there to get good profits.

8

Reply

Anonymous

11 months ago

Reply to Martin

Uncle go buy ETF…average 7-10% p.a.
or leave it in EPF average 6%/p.a. roughly 120K/yr
low risk and reasonable return
or go buy a few 300k house and collect rent..reasonable yield and future house appreciation.

Good luck

8

Reply

Jimmy

9 months ago

Reply to Anonymous

Epf already can more than meet the rm8000 per month Martin requires.

-1

Reply

Elena

4 months ago

Reply to Anonymous

300k can get ard 300sf for new projects

Reply

Anonymous

9 months ago

Reply to Martin

EPF

-1

Reply

Anonymous

8 months ago

Reply to Anonymous

EPF only allowed max 60K deposit per year. For RM2M, he needs 33 years to deposit all in 😛

1

Reply

Joe

8 months ago

Reply to Martin

put in EPF…little did I expect that there are so many kind soul here asking you to park in EPF…pls listen to them…dont listen to those asking you to invest.

4

Reply

Karen

3 months ago

Reply to Martin

EPF is my best choice

-2

Reply

Patrick Liew

3 years ago

Inform me the best All FD offer by banks
Other products offer are also welcome

217

Reply

Sasa

3 years ago

ambank got new promo 2.98% 9 months until year end only

43

Reply

ALAN CONRAD CHEONG CHI LOONG

3 years ago

Hi, is the OCBC FD rate 2.9% until the end of Dec 2020?

20

Reply

Jessie

2 years ago

Hi, what is the interest rate in Public Mutual unit trust money market ?

45

Reply

Arultharuman

2 years ago

Reply to Jessie

For 200’000 rm pls inform public mutual interest rate

19

Reply

lim

1 year ago

Reply to Jessie

local banks gives pathetic interest rate. Where else overseas investment s gives 6 to 7 precent per month!!!

7

Reply

Anonymous

1 year ago

Reply to lim

Park inside EPF.

-2

Reply

Anonymous

1 year ago

Reply to lim

yah – Japan offers close to zero rate

Reply

Anonymous

1 year ago

Reply to lim

pakistan with 14% interest rate lol

-4

Reply

Anonymous

9 months ago

Reply to Anonymous

Yeah but is their central bank governing the safety of your money?
Tomorrow your money may disappear like Alibaba.

-1

Reply

Anonymous

1 year ago

Hi is it possible to put 1bil in FD for 12months?

Reply

Jan

1 year ago

Hi, for the top 1 month FD rates, is no. 1 Bank Rakyat or Bank Muamalat? Thank you.

Reply

Philip Lee

1 year ago

Latest updated & promo FD term rate.
Thank you.

20

Reply

jessy

1 year ago

hi there, pls advise best bank interest FD rates for RM 50K or RM 100K for 2 years, pls share

24

Reply

chookn

1 year ago

How about UOB?

11

Reply

Anonymous

11 months ago

Reply to chookn

uob has good rate.with monthly interest payout..

1

Reply

Pat Liew

1 year ago

The best FD rate bank offer ?

8

Reply

Anonymous

1 year ago

Affin has good promotional 6,9,12m FD rate too(I can’t find online, but visible when I apply new FD).

5

Reply

Anonymous

1 year ago

Reply to Anonymous

Why considering FD where you have the EPF who offers 6% annually?

4

Reply

Anonymous

1 year ago

Reply to Anonymous

because FD is not liquid enough la

Reply

Anonymous

1 year ago

MBSB bank giving 3.6% on 12M basis

Reply

Shu Jean

1 year ago

The FD interest rate is higher now

1

Reply

amad663

1 year ago

Reply to Shu Jean

Yup maybank offer as high as 3.85% for fresh funds. Crazy deals !!

Reply

Captain Jack Sparrow

1 year ago

Acquire a shop house and rent it out. Make sure the rental can generate RM8k a month.

-2

Reply

Anonymous

1 year ago

Reply to Captain Jack Sparrow

better return rate if buying a factory lot

-2

Reply

nis

1 year ago

If I’m nit mistaken maybank has other promos to like fresh funds (28/11-7/12) and their rates are superb

Reply

Pang Tun Yau

1 year ago

Reply to nis

Yup, saw the flash deal. Keep an eye out for our updated FD promo for December post tomorrow!

Reply

Henry Lim

10 months ago

Reply to Pang Tun Yau

Foreigners can apply for Sg Gov Treasury Bill for 6 months or 12 months, In Dec I placed S$600k in treasury bill at 4.4% cut-off year, equivalent to 4.5% per annum.

1

Reply

dania

1 year ago

Reply to nis

that one with 3.85%? yeaaaa that deal is very tempting, might place funds on maybank soon

Reply

Lmp

1 year ago

Reply to dania

Deal for 6 months

Reply

Bathe

1 year ago

Reply to Lmp

AM Bank 4.5 for 18mnths

1

Reply

fateh12

1 year ago

For sure will go maybank bcs I heard that it is shariah compliant + their rates is 3.85%, who wouldn’t want that?

Reply

ENCIK NIK

1 year ago

I AM SO HAPPY FOR THE DETAILS FIX DEPOSIT INFORMATION AND I ANALYSIS FIRST ,THANK YOU.

Reply

G.P

1 year ago

Which is best investment platform FD or Unit trust? with low risk

Reply

Jimmy

9 months ago

Reply to G.P

Lowest risk is FD. So depends on your appetite

2

Reply

Ren

1 year ago

Hi Agrobank have promo until 24/2/2023. 4.25% for 12 months, 4.1% for 6 months.

1

Reply

Pat

11 months ago

Reply to Ren

Are all the banks now asking to register CRS before u can place a fix deposit ? And why ?

Reply

Shirley Erndt

1 year ago

Life is too short the world is wide.. I would’ve spent some.

2

Reply

Jimmy

9 months ago

Reply to Shirley Erndt

Do spend in Malaysia. Thank you

Reply

Anonymous

6 months ago

Reply to Jimmy

Malaysia is boring sh*t place. I will rather stay at home turn on air cond and watch Netflix. Just spent RM30k in Japan for Sakura season this year. Worth every cent.

1

Reply

Anonymous

9 months ago

MBSB Bank offrering 4.3 % effective rate as of now April 25th 2023

Reply

Anonymous

8 months ago

Reply to Anonymous

Now BSN is High rate 5.8% untill 15 ogos 2023.

Reply

Sindy

9 months ago

Can someone explain about the 6months & 12 months FD which one is better?

2

Reply

Retiree

7 months ago

Your best option is to leave them in EPF. Visit EPF to apply a fixed monthly of your choice and that’s it.

Reply

Nona

6 months ago

Reply to Retiree

What’s min epf Fixed monthly?

1

Reply

Tin

6 months ago

Current safe and best bet for you monies still keep them safe in your EPF, unless the EPF changed their policy to force everyone and allow only monthly widrawer and No more One lump sum and flexible widrawer any Time you want like current practise.If government can suka suka change their policy,then better keep your hard earned monies outside of EPF.

3

Reply

Yumi

6 months ago

Is it safe to deposit of over RM2m to public bank fd personally?

Reply

Anonymous

6 months ago

Reply to Yumi

You will be marked for kidnapping….

-2

Reply

Anonymous

6 months ago

The above is outdated. PB is only 3.8% for 12mths since 12th July 2023

Reply

Anonymous

4 months ago

why all fixed deposit for individuals no companies ?

Reply

Chon

2 months ago

Alliance offer FD 4.2% pa, this should be the quite high rate the list with no investiment requirement. Why this is not call out in author’s summary? Just wonder.

Reply

Soh

1 month ago

Reply to Chon

For Alliance you need to place FD with other investment product.

Reply

Bird

1 month ago

6 month not accurate. I calculated BSN Term Deposit-i + SSP platinium campaign is still the highest at almost 4% p/a

Reply

Anonymous

1 month ago

Reply to Bird

5.88%

Reply

Anonymous

8 days ago

Try to put in bank’s FD, I was told banks’ VIP got good FD rate so you don’t have to switch banks for it’s FD Promo… but put in EPF is a better options cause now FD around 3-4% and EPF got average 6%. Don’t recommend unit trust myself cause you don’t have control.

Reply

Ben

1 day ago

Reply to Anonymous

if you guy have children, put your money in SSPN ( joint acct with your Children ). T
he return is much better the bank FD rate at the same time you can get tax rebate.

Reply

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