Fixed deposits are still the most popular form of “investment” in Malaysia. As of June 2006, the amount in F.D. accounts attributable to individual investors stands at a whopping RM205 billion.Â
However, with the latest inflation figures still hovering above 4%, and the F.D. rates not quite catching up, the danger of negative real returns is fast becoming a reality. Still in these uncertain times, many people continue to favour this asset class to other riskier investments. As the saying goes, “cash is king”.
Besides everyone needs to maintain some “liquid” assets for emergencies and as a buffer in the event of a cashflow crunch. I experienced this first-hand when in April this year I decided to quit my comfortable job to finish off my CFP and then to take a short hiatus from working life. I worked out my expenses and everything and planned my budgets. All was well it seemed…Then I got slapped with a huge tax bill in May! 😦 My ex-employer had under-deducted my PCB contributions, and the amount was significant! Crrrruuunch!! Ouch! The moral of the story – a liquidity crunch can happen to anyone!
I’ve mentioned elsewhere that as a rule of thumb, we should all keep at least 3-6 months of our monthly expenses in the form of cash, before we look into investments, paying off any loans etc. This is an integral part of financial planing.
Here are the best available fixed deposit rates for amounts up to RM 1 million on offer at the moment (sorted according to highest rates for 12 month period):
|
No. |
Banking Institutions | w.e.f. | 1-mth | 3-mth | 6-mth | 9-mth | 12-mth |
|
1Â Â Â Â Â |
AmBank | 5/6/06 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.40 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.70 | Â Â Â Â Â Â Â Â Â Â 4.00 |
| 2 | RHB Bank | 26/6/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.90 |
4.00Â Â Â Â Â Â |
| 3 | Hong Leong Bank | 29/4/06 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.70 | Â Â Â Â Â Â Â Â Â Â 4.00 |
| 4 | Alliance Bank | 4/8/06 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.90Â Â Â Â Â Â |
| 5 | EON Bank | 1/5/06 | Â Â Â Â Â Â Â Â Â Â 3.15 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.90 |
| 6 | Nova Scotia Bank | 11/7/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.90 |
| 7 | Malayan Banking | 27/4/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.88 |
| 8 | United Overseas Bank | 17/8/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.18 | Â Â Â Â Â Â Â Â Â Â 3.38 | Â Â Â Â Â Â Â Â Â Â 3.58 | Â Â Â Â Â Â Â Â Â Â 3.78 |
| 9 | Bangkok Bank | 3/5/06 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.40 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.75 |
| 10 | Deutsche Bank  | 8/5/06 |           3.10 |           3.10 |           3.25 |           3.40 |           3.75 |
| 11 | Bumiputra-Commerce | 29/4/06 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.40 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
12Â Â Â Â |
Bank of Tokyo | 2/5/06 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
13Â Â Â Â Â |
ABN AMRO Bank | 15/5/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
14Â Â Â Â Â |
Affin Bank | 28/4/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.40 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
15Â Â Â Â Â |
HSBC Bank  | 28/4/06 |           3.10 |           3.10 |           3.25 |           3.40 |           3.70 |
|
16Â Â Â Â Â |
OCBC Bank  | 29/4/06 |           3.10 |           3.20 |           3.40 |           3.50 |           3.70 |
|
17Â Â Â Â Â |
Public Bank | 28/4/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.25 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
18Â Â Â Â Â |
Southern Bank | 23/6/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.25 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
19Â Â Â Â Â |
Standard Chartered | 29/4/06 | Â Â Â Â Â Â Â Â Â Â 3.10 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.45 | Â Â Â Â Â Â Â Â Â Â 3.60 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
20Â Â Â Â Â |
Bank of America | 27/5/03 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
21Â Â Â Â Â |
Citibank | 29/4/06 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
22Â Â Â Â Â |
J.P. Morgan Chase | 22/5/03 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.00 | Â Â Â Â Â Â Â Â Â Â 3.70 |
|
23Â Â Â Â Â |
Bank of China | 8/5/06 | Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.20 | Â Â Â Â Â Â Â Â Â Â 3.30 | Â Â Â Â Â Â Â Â Â Â 3.50 | Â Â Â Â Â Â Â Â Â Â 3.70 |
source: Bank Negara consumer website www.bankinginfo.com.my (updated 17/8/06)
Also good to keep in mind that there may be further interest rate hikes by Bank Negara before year-end. Some predict at least another 0.25%. Good to know for deciding on the tenure of your F.D.
Now you know. What you waitin’ for then? Get Saving! 🙂
Tips on how to manage your money 
The 3-4% returns won’t get us very far, but locking in your money helps as a store of value for sure. Otherwise I am definitely one of those who find it very hard to hang on to cash for any length of time.
Thank you for your articles that are very informative. What is your opinion on putting into FDs of Australian and New Zealand banks which give 5.9 to 7.3 % interest yearly? This is higher than our inflation rate in Malaysia.
Hi Steven, glad you enjoy the articles. NZ and Australian interest rates is definitely attractive compared to Malaysia. However pls bear in mind that the currency exposure i.e. if the Ringgit appreciates significantly against the currency in which your FD investment is denominated, it could wipe off any interest income you earn, or worse still, you could end up with less than your original investment, after converting back to RM. It depends on your view on where you see the NZ or AUD heading. You can research the trend of AUD or NZ or any other currency against the RM at this website: http://www.x-rates.com
I understand that AmBank has revised the 1 month deposit rates in Mid November.
Hi Emily,i found the infomation very usefull.
Regarding your view point about the investment in Foreign FD, could you give a more detail and firm explanation. Because it really seem very attractive. I found NZ gave the most higher % of return in saving, how this happent? TQ
hi steven,i goggled ‘fixed deposit know how’and the search engine gives your site.i have just graduated and have been working for 3 weeks.i wanted to start saving and invest as i want to have some security by the time i reach 30.i have never saved b4.i wanted to know more about FD.what different is it with ASB?i dont know how to read and interpret rates.can you explain further on that matter?i think i wanted to invest in FD but some says its a risky investment and i cant see where’s the risk?do they change the rates lower than what they offer at times?cheers
sorry i got the name wrong. ‘hi Emily’! hehe..
Hi Melissa – thanks for stopping by. As a a new investor you should first build up your “emergency fund” i.e. 3-6 times your montly living expenses in the form of cash (savings account plus fixed deposits). At the same time try to start a regular investment plan into a mutual fund. ASB is also a type of mutual fund, but because it is managed by a govt body (i.e. PNB) the returns are usually more stable. FD is not risky at all — actualy it’s probably the safest type of invesment. The main problem is that the interest rates that you get are very low (3.7% for FDs). With inflation rates running high, you may actually lose more value in your FD investment over time than what you actually receive back in interest. This is the main “risk” of investing in low interest rates investments like FDs. Try to pick up some basic books on investing…you’ll find that this is one of the most important steps towards your goal of financial freedom or financial stability. You are at a real advantage because you are still young…so time is on your side when it comes to investing. I wish I had started investing as early as you!! 🙂
I need to invest RM1.0mil in the best time deposit available in the Malaysian market. I’ve checked, none is giving more than 4% p.a. What about FD & Unit Trust fund that offers more than 30% return? Can u elaborate on that & which bank is offering such good returns.
I am Gilbert working in Vietnam. It has highest interest rate and of course high loan rates too. Inflation here is high. If you have interested party to invest and joint stock in Vietnam let me know as I have both private and government property companies looking for fresh funds. My personal email lohteanhin@hotmail.com please reassure my no spam mail.
hi guys, check this out – 6% on HSBC
http://www.hsbcdirect.com/1/2/1/offer?code=WBR0H807AS
Hi muza, for you information. ANY investement is not ‘guarantee’. Even u dump a big money in the very high interest paid out, exp..mutual funds company or banking sector. This will not help you in long term, (’cause u need to paid more than 20%-25% OF YOU EXPENSE each month after the price petrol INCREASE RM 1.61-RM 1.91). Plus, if u looking for ‘fast’ cash..now is the best time for you put in the stock market. But, think twice again!! How long u can grab the market, i should said how fast u can move out from market while the market ‘almost’in the bear condition (downturn sign) while meantime u ‘enjoying’ the profit-taking from there….THIS IS SOMETHING U NEED TAKE PRECAUTION.
Diversify you money….:)))..perhaps, u need some “free” tips from any expertise or finance consultant? they might give you more advice or suggestion to increase your money value! hahah
Here where u want to invest a slot of money when u go to fixed deposit u will earn 4% p.a.when u come down to forex trading depsot u will get high paid up to 20% p.a and there is no minium fund to deposit or maximum.So if you ready to join us plz leave me an sms or just call me 016-9823057
Thanks
Dear Emily,
Funny when I try to google “Fix deposit” the only personal review on it is only your website ( in this big malaya )
Anyway, like mellisa, I’m also new in FD and would like to try. I have done some self research and i would like to ask you if its true or not.
Let say interest rate of 1 month is 3.1% and 3 month is 3.3%.
So if I deposit RM 10 k for 1 month FD, the return will be RM RM 25.83
If I deposit RM 10 k for 3 month FD, the return will be RM 27.50
My question is, if my calculation true then it will be more profitable to play FD base on 1 month and continue to play for 3 month because at the end of the day you’ll get RM 25.83 x 3 = RM 77.49
Or actually, the 3 month FD is RM 27.50 x 3 = RM 82.50?
I wonder the longer period of FD will be more profitable than the frequency of the FD.
Thank you in advance.
Muza Says:
February 23rd, 2007 at 1:42 am
I need to invest RM1.0mil in the best time deposit available in the Malaysian market. I’ve checked, none is giving more than 4% p.a. What about FD & Unit Trust fund that offers more than 30% return? Can u elaborate on that & which bank is offering such good returns.
*why not u invest to fixed dividen provide by MAA.just invest for one year 4.0%,it better than other bank give.
for info email me :rosidin.fw27@cmss.maa.com.my
hi..i’m only want to doublin’ my late parents money..and i dont want to lose…please advise me…i realy need it…please who can help me give me a call..016-6827745..sarawak area…please..i only can invest max RM70k only…
Hi mytoda5, I’m not a practising investment adviser but am sure there are a few readers out there who could assist you. Here are my 2 sen worth though: it’s good to know you have a target. Doubling your money should not be a problem…but you must be realistic on the time frame. You should decide your investment profile – are you an aggressive, moderate or conservative investor. You see, no one sets out to lose money – but there are those who may be willing to put their money in more volatile investments for a potentially higher return (> 8%). Safer investments would be fixed deposits, which gives you around 4% returns currently and Amanah Wawasan and similar issues from PNB, whose returns vary but currently are around 7%-8%. At 4%, it will take you roughly 18 years to double your money. At 7%-8%, around 9-10 years. For more info on ASW see my earlier post: https://mywealthplanner.wordpress.com/2006/08/25/wawasan-bond-time-again/ or click on the Amanah Saham link under the Topics section of this site. Good luck.
Dear Emily Wee,
i love the explaination of your ways to do investment, it realy a good Financial Planer thinking, it totally correct way to keep away from inflation and double up our assets. can u share your opinion to my mail box?
Ahmad:
Your mistake was in converting between APR (Annual Percentage Rate) and monthly interest rate, and again in converting to the 3-month interest rate.
A 1-month FD, in your example, has the APR of 3.1%, which translates to the monthly interest rate of 0.2547% instead of the 0.2783% that you calculated.
A 3-month FD with the APR of 3.3% likewise give the monthly interest rate of 0.2709% instead of the 0.2750% that you calculated.
The idea is, you cannot simply take the APR and divide it by 12 to get the monthly interest rate–that would be true only of “simple interest,” which is never used by banks. In the world of “compound interest” (where the interest earned from the previous month adds to the principal that is entitled to interest the following month), the following formula should be used instead:
i = exp(1/12 * ln (1 + APR)) – 1
where:
“i” is the monthly interest rate
“exp” is the exponentiation function
“ln” is natural logarithm
Similarly, you cannot take the interest earned per month and simply multiply it by 3 to get the interest earned for a 3-month period. The 3-month interest rate is calculated as follows:
j = (1 + i)^3 – 1
where:
“i” is the one-month interest rate
“j” is the 3-month interest rate
“^3” means “raised to the third power”
And the answer to your concluding question is: the one with the higher APR always gives better yield. And that’s the whole point of using the APR as a standard yardstick to measure the interest yields of different FD’s of different lengths..
After turning the 1-month FD over 3 times, you will have received rm76.62 in interest, versus rm 81.50 for the 3-month FD.
I realize this comment came a year after the original post. But I still hope it helps.
[…] 20, 2007 at 9:10 am. hi steven,i goggled ???fixed deposit know how??and the search engine gives …https://mywealthplanner.wordpress.com/2006/08/28/best-fixed-deposit-rates-in-malaysia/Asia grapples with inflation as Indonesia raises rates – Yahoo …Malaysia. Asia Pacific. World. […]
hi guys, have u all heard about Guaranteed Retirement & Annuity Plan which is offered by OCBC Group and also Great Eastern Life insurance company. Usually FD only got 1 type of interest but this plan got 3 interest and 1 bonus from itself. This saving plan is looks alike FD which u can even join your account together with another person ( wife/husband/son/daughter,etc )
Let’s say
1st Years u save (24k)
after 10th Years Means U Accumulate ( 240K )
The 1st month of 10th Years U get your 1st interest which is ( 33k )
Ok, on the 11th year OCBC will pay out a cheque for you which is 5-8% from your capital ( minimun is 12k as your capital is 240k ).
This is the 2nd type of interest u get which is call as annual interest.
Let’s say on the 11th year and 12th years, u do not wish to take out your money yet, then OCBC will compound 5% interest for your total of 1st interest + annual interest. ( this might solve the inflation as well ) The compound 5% which is also called as compound interest which is the 3rd interest as i mention.
While you enjoy your interest every year until 87 years old, your capital ( the 240k ) will have the (1-3% bonus). This bonus is for your withdrawal of your capital after the maturity.
The Benefits
– Let’s say u are in the 2nd year of the payment and u are infected by 36 critical dread disease, the following 8th years ,Great Eastern and OCBC will bare the rest payment and the 10th years 1st month u still get your interest and every year u still get the payment till your are 87 years old.
– The interest is 5-8% no risk as company will bare the risk ( traditional plan ) Compare to worldwide interest
– Free Insurance Coverage 163k ++ ( means after your 1st year payment u already got the free insurance coverage. Every single year, the insurance will +5% so that this insurance will more than your capital) if you are passed away , the money that u save will be return to you under OCBC cheque.
Objective
– Retirement Plan
– Annuity Plan
– Estate Planning
– Gift to your husband/wife/son/daughter/
( If The Details that i list out is not so clear, pls kindly contact me for more details : Kar Hock 016-4561213 , fate_chris1222@hotmail.com. For those who are interested for more details please do let me know… If u guys found out the bad of this plan pls give advice as well. Thanks … ALl Da Best!!!!!
It’s good to have around 6 months of your salary in F.D as an emergency fund.But I don’t see the logic in keeping too much money (>6 months) in F.D for young working adults.Inflation will eat up the value of your money.It’s better to put more money into EPF (up to 16% deduction).Another strategy is to put the extra money into dividend stocks and undervalue stocks.I’m a CFA and over the time,i will introduce value stocks in my blogs.Stay tune.
Jus wanna tell ahmad that the interest rate is per annum. Tat’s means if you are putting F.D for 1 month, u shud use the interest rate (say 3%) divided by 12. If you deposit 20k in the bank as FD, 1 month later, your interest earn is only 20,000 x .03/12 = 50!!
Dear Emily, I’m a fresh grad from college and just started to work. I heard that FD is a very good and safe investment. But the thing is i have totally no idea on how the calculation work.
Lets say I put RM20k in FD now for 6months and the interest rate is 3.50% so how much do i get in totally after 6 months?
Please advice
Investors had put their money in Oppenheimer’s Core Plus Fixed Income Strategy, one of the Bright Start Savings Program’s 21 mutual funds.
For best FD rates please contact me, up to 5% per annual. Guaranteed Cash Payment is 112.5% plus Maturity Fund is 110%. Only five years investment. But this only offered until 25th March! Please check it out with me for more details.
I have a lump sum of RM450,000 to deposit for savings and growth without any risk.Which would be the best vehicle to do this with in Malaysia.I am currently out of the country and return in about 12 months.I dont need this money instantly as I have access to another RM100,000 anytime I want to.I hold a savings account and current account with RHB.But due to my absence from Malaysia and inactivity for over 1 year , my current account has been frozen out, which I can activate on my return only.Recently, when I tried to deposit some money into the current account, it was ‘lost for a few days’ and subsequently put into my savings account!SO which is the best bank/ account to deposit that RM450,000 please?
Magnificent web site. A lot of useful info here. I am sending it to several buddies ans also sharing in delicious. And of course, thank you for your effort!
I discovered in 2012 that Maybank and AmBank have higher rates than other local banks FD rates (I think)…which of these are better?
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Yes I agree the fixed deposits is one of the popular investment in Malaysia. Great information with fixed deposit interest rates. If the Fixed deposits rates data is updated up to date, it would be better. You may read about the A Safe and Secure Investment Strategy for Fixed Deposits in the below link.
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