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Lastest S$ Deposit updates - Part 3

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Old 04-09-2018, 08:22 PM   #2206
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you missed BOC
what the BOC fd currently?

No news online for BOC alway had to walk in.
BOC doesn't update their website anymore
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Old 04-09-2018, 08:36 PM   #2207
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CIMB quite efficient, all their CSOs are friendly and helpful, they manage to amend my deposit interest to 1.84% by 7pm and interest for the FD supposely starts from today...

but i still dunno why the maturity is 4th Sep instead of 3rd Sep 2019...
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Old 04-09-2018, 09:10 PM   #2208
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You have fresh funds of $200k and above to get 1.55% pa?

Anyway, Maybank credits the base interest on the last day of the month and the bonus interest a few days into the following month. So your August bonus interest should be coming in soon.
I think i also missed this the bonus interest for SCB esaver. usually together with the interest at the start of the month. until now dont have. i think i may have missed the cycle.
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Old 04-09-2018, 09:53 PM   #2209
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Hi, i just opened maybank isavy 1.55% in august. But the insterest i received is not correct. The interest credited month end is it for the entire 1.55%?
What you have received is the base interest. The bonus iterest is usually credited on the 5th.
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Old 04-09-2018, 10:32 PM   #2210
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I think i also missed this the bonus interest for SCB esaver. usually together with the interest at the start of the month. until now dont have. i think i may have missed the cycle.
I dun have so much (200k) to pump into maybank so I moved back to eSaver (1.5%) slightly above maybank's 1.43%
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Old 06-09-2018, 06:22 PM   #2211
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Ah... thanks

What you have received is the base interest. The bonus iterest is usually credited on the 5th.
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Old 06-09-2018, 06:45 PM   #2212
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fed up with the slow rising savings interest rate...applied for DBS perpetual bond yesterday. Was informed this morning kanna 1 lot...

paying 3.98% coupon rate. IRR around 3.93%. definitely higher than FD rates averaging 1.8% nia. Those who have more than 250K rotting in FDs should consider going into bonds. But make sure its investment grade hor....else another Hyflux or Swiber story.
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Old 06-09-2018, 09:54 PM   #2213
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fed up with the slow rising savings interest rate...applied for DBS perpetual bond yesterday. Was informed this morning kanna 1 lot...

paying 3.98% coupon rate. IRR around 3.93%. definitely higher than FD rates averaging 1.8% nia. Those who have more than 250K rotting in FDs should consider going into bonds. But make sure its investment grade hor....else another Hyflux or Swiber story.
Buy fixed income funds better lah .... don't put all the eggs in one basket yo.
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Old 07-09-2018, 09:48 AM   #2214
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Buy fixed income funds better lah .... don't put all the eggs in one basket yo.
"fixed income funds" is this unit trust?
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Old 07-09-2018, 10:19 AM   #2215
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Satki. Min was $250k?

fed up with the slow rising savings interest rate...applied for DBS perpetual bond yesterday. Was informed this morning kanna 1 lot...

paying 3.98% coupon rate. IRR around 3.93%. definitely higher than FD rates averaging 1.8% nia. Those who have more than 250K rotting in FDs should consider going into bonds. But make sure its investment grade hor....else another Hyflux or Swiber story.
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Old 07-09-2018, 10:57 AM   #2216
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fed up with the slow rising savings interest rate...applied for DBS perpetual bond yesterday. Was informed this morning kanna 1 lot...

paying 3.98% coupon rate. IRR around 3.93%. definitely higher than FD rates averaging 1.8% nia. Those who have more than 250K rotting in FDs should consider going into bonds. But make sure its investment grade hor....else another Hyflux or Swiber story.
aiyo bro, why boh jio
apply 250k and got 1lot?
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Old 07-09-2018, 10:57 AM   #2217
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Satki. Min was $250k?
yep. for bond ipo wholesale 250K...
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Old 07-09-2018, 11:00 AM   #2218
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aiyo bro, why boh jio
apply 250k and got 1lot?
yep. kanna 1 lot. got to fill in form also when pass check to bond desk people...

understand price went up liao.

how to jio bro...if jio,...people might say i hao lian or what.

actually forced by circumstance,..bank rates still low tho rising. also DBS maciam gold standard for banks here...so buy 1 lot. also tikam tikam not sure can get as understand offer was super hot.
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Old 07-09-2018, 11:08 AM   #2219
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Buy fixed income funds better lah .... don't put all the eggs in one basket yo.
can share which fixed income fund giving good returns?...would be interested also. i think most are trading sideways and some under water?..also got expense ratio.

nikko am igf bonds now trading below par. also every year expense 0.3%..end up less than 3% nia..

good to diversify but sometimes if opportunity comes, just whack!..
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Old 07-09-2018, 11:39 AM   #2220
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yep. kanna 1 lot. got to fill in form also when pass check to bond desk people...

understand price went up liao.

how to jio bro...if jio,...people might say i hao lian or what.
nay, just share good lobangs here before closing date lah
If people want to say u hao lian, now they also can say u

Btw where is the bond desk u submitted your application?

bank interest rates for depositors is indeed moving at tortise rate
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