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Latest Forum Topics / Fixed Deposits  Post Reply
SGD Cash Deposit
AK_Francis
Supreme
30-Jun-2010 00:32     
 
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Yells: "Happy go lucky, cheers."
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 Alert Admin 		 Because Ahmad pays extra 0.25% for snr citizen.
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FearValueGreed
Master
30-Jun-2010 00:21     
 
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Fully agreed .

 

Maybank offers on e of the most attractive interest rate in town.

 
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pharoah88
Supreme
29-Jun-2010 12:34     
 
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Malaysian Banks pay MUCH MUCH MUCH MUCH BETTER INTEREST RATES for Malaysian DEPOSITS.

MALAYSIAN  CENTRAL  BANK  SET  the MINIMUM INTEREST RATE AT 2% per annum and NOTHING LESS.

This protects the DEPOSITOR from INFLATION LOSSES on their BANK DEPOSITS.

INFLATION EFFECTIVE CENTRAL BANK POLICY TO PROTECT CITIZENS' SAVINGS
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Middle
Member
27-Dec-2008 10:49     
 
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 Alert Admin 		Think the spread between buying & selling price is more than 1%. Better check first if don't intend to keep till maturity.

moneytalk.sg      ( Date: 26-Dec-2008 15:50) Posted:



SGS bonds is definitely a better alternative than fixed deposits. It is one of the most closely kept secrets by financial insituitions that is relatively unknown to the public. If everyone knows about SGS bonds, the banks will not be able to make profits from fixed deposits. Fixed deposits are guaranteed by the government up to $20K while SGS bonds are issued by the government so it is risk-free. One advantage of SGS bonds over fixed deposits is that you can always sell your bonds in the secondary market if you need to cash it out while fixed deposits has a lock-in period.

 

Blogging at moneytalk.sg on the stock market, ETF and anything to do with money.

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moneytalk.sg
Member
26-Dec-2008 22:08     
 
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Someone has contributed a informative article on sgforums. The link is here.

 

Blogging at moneytalk.sg on the stock market, ETF and anything to do with money. 



prettylisa      ( Date: 26-Dec-2008 16:22) Posted:

Hi moneytalk,

Where do I go to buy SGS bonds? 



moneytalk.sg      ( Date: 26-Dec-2008 15:50) Posted:



SGS bonds is definitely a better alternative than fixed deposits. It is one of the most closely kept secrets by financial insituitions that is relatively unknown to the public. If everyone knows about SGS bonds, the banks will not be able to make profits from fixed deposits. Fixed deposits are guaranteed by the government up to $20K while SGS bonds are issued by the government so it is risk-free. One advantage of SGS bonds over fixed deposits is that you can always sell your bonds in the secondary market if you need to cash it out while fixed deposits has a lock-in period.

 

Blogging at moneytalk.sg on the stock market, ETF and anything to do with money.


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trader88.sg
Veteran
26-Dec-2008 17:31     
 
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Ya, CASH is KING.

Physical GOLD is queen.



SupremeA      ( Date: 26-Dec-2008 17:08) Posted:

its not totally risk free actually, the prices do fluctuate a bit. But if you are holding it to maturity it is risk free. Best to hold some cash for rainy days

prettylisa      ( Date: 26-Dec-2008 16:22) Posted:

Hi moneytalk,

Where do I go to buy SGS bonds? 
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SupremeA
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26-Dec-2008 17:08     
 
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 Alert Admin 		its not totally risk free actually, the prices do fluctuate a bit. But if you are holding it to maturity it is risk free. Best to hold some cash for rainy days

prettylisa      ( Date: 26-Dec-2008 16:22) Posted:

Hi moneytalk,

Where do I go to buy SGS bonds? 



moneytalk.sg      ( Date: 26-Dec-2008 15:50) Posted:



SGS bonds is definitely a better alternative than fixed deposits. It is one of the most closely kept secrets by financial insituitions that is relatively unknown to the public. If everyone knows about SGS bonds, the banks will not be able to make profits from fixed deposits. Fixed deposits are guaranteed by the government up to $20K while SGS bonds are issued by the government so it is risk-free. One advantage of SGS bonds over fixed deposits is that you can always sell your bonds in the secondary market if you need to cash it out while fixed deposits has a lock-in period.

 

Blogging at moneytalk.sg on the stock market, ETF and anything to do with money.


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Alligator
Veteran
26-Dec-2008 16:47     
 
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You may like to read up SGS bond at fundsupermart.

link is http://www.fundsupermart.com/main/sgsInfo/sgsIntro.tpl#
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prettylisa
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26-Dec-2008 16:22     
 
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Hi moneytalk,

Where do I go to buy SGS bonds? 



moneytalk.sg      ( Date: 26-Dec-2008 15:50) Posted:



SGS bonds is definitely a better alternative than fixed deposits. It is one of the most closely kept secrets by financial insituitions that is relatively unknown to the public. If everyone knows about SGS bonds, the banks will not be able to make profits from fixed deposits. Fixed deposits are guaranteed by the government up to $20K while SGS bonds are issued by the government so it is risk-free. One advantage of SGS bonds over fixed deposits is that you can always sell your bonds in the secondary market if you need to cash it out while fixed deposits has a lock-in period.

 

Blogging at moneytalk.sg on the stock market, ETF and anything to do with money.

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trader88.sg
Veteran
26-Dec-2008 16:19     
 
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 Alert Admin 		Yep, pressured by regional central banks who guaranteed 100% deposits, MAS imposed full guarantee on all deposits. So local deposits are as safe as SGS bonds for now! 

OneSharer      ( Date: 26-Dec-2008 15:59) Posted:



Tks moneytalk.sg; but, think now can guarantee above $20K...at least 'til 31 Dec 2010: 

http://www.mas.gov.sg/news_room/press_releases/2008/MOF_and_MAS_Joint_Press_Statement.html 
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OneSharer
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26-Dec-2008 15:59     
 
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Tks moneytalk.sg; but, think now can guarantee above $20K...at least 'til 31 Dec 2010: 

http://www.mas.gov.sg/news_room/press_releases/2008/MOF_and_MAS_Joint_Press_Statement.html 
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moneytalk.sg
Member
26-Dec-2008 15:50     
 
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SGS bonds is definitely a better alternative than fixed deposits. It is one of the most closely kept secrets by financial insituitions that is relatively unknown to the public. If everyone knows about SGS bonds, the banks will not be able to make profits from fixed deposits. Fixed deposits are guaranteed by the government up to $20K while SGS bonds are issued by the government so it is risk-free. One advantage of SGS bonds over fixed deposits is that you can always sell your bonds in the secondary market if you need to cash it out while fixed deposits has a lock-in period.

 

Blogging at moneytalk.sg on the stock market, ETF and anything to do with money.
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OneSharer
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26-Dec-2008 14:36     
 
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 Alert Admin 		All ears....Smiley

SupremeA      ( Date: 26-Dec-2008 12:53) Posted:

consider singapore govt bonds?
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SupremeA
Veteran
26-Dec-2008 12:53     
 
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 Alert Admin 		consider singapore govt bonds?
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OneSharer
Veteran
26-Dec-2008 09:23     
 
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Think the new Jurong Point branch also offer other promo.    

But better call first to double check on promotional validity before going down.  



Middle      ( Date: 30-Nov-2008 22:56) Posted:


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Middle
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25-Dec-2008 23:23     
 
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Capital Plus 2% - promo ends 30/12:

http://www.income.com.sg/promo/CapitalPlus/

 
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scotty
Senior
01-Dec-2008 20:33     
 
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I saw Bank of East Asia advertise on newspaper for fixed deposits...

This was the bank that had bank run recently in HK.
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Middle
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30-Nov-2008 22:56     
 
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Maybank promotion

http://info.maybank2u.com.sg/wmc/deposits_sgdtd_promo.asp

 
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HLJHLJ
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17-Jun-2008 23:23     
 
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I did all these  before. My conclusion is don't use your money to bless the banks. They pay you peanuts. You money got locked in as well! I'm no more searching for higher interest FD. Quite a hazzle and small gains. Of course, you won't lose.

I'm now putting more into blue chips and some into trading. In the long run, I'm sure i can beat the FD interests.

If you are not a risk taker, put  you money into OCBC, DBS, UOB, SMRT, POST, SPH, ConfortDelgro, Transit etc, i'm sure you can beat the banks in the long run. Of course, you have to time your investment as well.

One sign i've notice is also when banks start calling for funds using higher interest rate, there is a reason for it. It could mean market is going to rally or inter-bank rate is going to increase etc. They are are actually using your money to invest or to reduce their loan liability.
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Davvyy
Member
17-Jun-2008 23:06     
 
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Standard Chartered is offering JUBILEE SERIES 8 NOTES (3.15% p.a). You have to park ur fund for 2.5 years. Offer until 27 June 08



taybc1071      ( Date: 05-Jun-2008 08:44) Posted:



Which bank is offering best FD rate to park fund temporarily in view of the dull market?

 
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