破产是欠债者被法庭判入穷籍，名下所有的资产都会交由报穷局管理，不得进行割名程序，而当局可以拍卖相关资产，并将所得款额还给债主。一旦接获破产令，在没有获得法庭批准的情况，破产者的财产都不能随意“更动”，而他的财产将由破产总监 (Director General of Insolvency) 接收及管理。同时，破产总监将成为破产者所有存摺、信函及相关文件的拥有者。
If you want to stabilize , and certainly not a loss-making investment, then the bank’s fixed Deposits or FD is the choice. Malaysia’s commercial banks and Islamic banks are members of the PIDM, so if a bank fail, we can still get back our fixed deposits. Here’s the list of the most recent Fixed Deposit promotions.
Hong Leong eFD Online Time Deposit Promotion
Promotion Period: September 1, 2019 – September 30,2019
Minimum deposit: RM10,000
Tenure: 6 months
Effective rate: 3.90% pa
How to store: Only for Fresh Fund and via FPX transactions on the Internet
Link: eFixed Deposit / eFixed Deposit-i Promotion
The following picture shows the deposit method for Hong Leong Bank:
Image may be NSFW. Clik here to view.
RHB Term Deposit Time Deposit Promotion
Promotion Period: From now till September 30, 2019
Minimum deposit: RM10,000
Tenure: 10 months
Effective rate: 3.90% pa
Conditions: Fresh Funds only and must deposit over the bank counter
Link: RHB Term Deposit Campaign
RHB e-Term Deposit Online Time Deposit
Promotion Period: From now till September 30, 2019
Minimum deposit: RM5,000
Tenure: 3 months
Effective rate: 3.50% pa
Conditions: Limited to Fresh Fund and via FPX transactions on the Internet
Link: RHB Term Deposit Campaign
PB Fixed Deposit / Term Deposit-i
Promotion Period: From now till September 30, 2019
Minimum deposit: RM10,000
Tenure: 3 months / 6 months
Effective rate:
3 months: 3.45% pa
6 months: 3.60% pa
Conditions: Limited to Fresh Funds at the bank counter
Link: PB Fixed Deposit/ Term Deposit-i Campaign
PB eFD Campaign
Promotion Period: From now till September 30, 2019
Minimum deposit : RM5,000
Tenure: 3 months / 6 months / 9 months
Effective rate:
3 months: 3.15% pa
6 months: 3.20% pa
9 months: 3.25% pa
Conditions: Limited to Fresh Fund and via FPX transactions on the Internet
Link: PB eFD Campaign
Bangkok Bank FD Promotion Time Deposit Promotion
Promotion Period: From now till September 30, 2019
Minimum deposit: RM5,000
Tenure: 3 months / 6 months / 9 months / 12 months
Effective rate:
3 months: 3.65% pa
6 months: 3.70% pa
9 months: 3.70% pa
12 months: 3.80% pa
Conditions: Fresh Funds only and must deposit over the bank counter
Link: Bangkok Bank Fixed Deposit
Image may be NSFW. Clik here to view.
The above fixed deposits rates are for special offers. When we want to deposit, we need to confirm the participation in the relevant promotion. Most of the promotion is also limited to Fresh Fund or deposit via FPX transactions.
In order to allow everyone to compare the fixed deposit rate of Malaysian banks, I have prepared the following charts for your reference and comparison.
FD is a low-risk investment tool with a certain amount of interest. Usually, we keep a fixed amount of money with a bank over a period of time on which we can earn some money from that. Although it is impossible to get rich if rely on FD. Investment in FD allows us to cultivate the good habit of saving.
Fixed deposit is known to be one of the most secure investment but with a lower return. If you like to invest your money in the fixed deposit you may choose from the list below to maximize your return.
The table below is the latest conventional fixed deposit rate as of September 2019.
From the above chart, the highest interest rate is given by Affin Bank (3.90%) and other banks are 2.85% – 3.10%. However, some banks will give special offers at certain times, and interest will be a little higher than the above interest.
In addition, Bank Rakyat’s interest rate is also very good, but Bank Rakyat is not a member of PIDM.
In general, Commercial Bank and Islamic Bank are members of PIDM. PIDM protects your bank deposits and will promptly reimburse you on your insured deposits should a member bank fail
Amanah Saham is a unit trust funds for Malaysian which offered by Amanah Saham Nasional Berhad (ASNB). There are two types of such trust funds, one is a fixed price fund. The other is a floating price fund or variable price fund.
Currently, there are total 14 types of Amanah Saham. 6 types funds in these trust funds with fixed-price at RM1.00 per unit.
The other 8 funds are floating prices. The price ranges from RM0.60 to RM1.20, and the prices are up and down.
Image may be NSFW. Clik here to view.
The table below is the historical Amanah Saham Wawasan 2020 (ASW2020), Amanah Saham Malaysia (ASM) and Amanah Saham 1Malaysia Dividend Rate from 1997 to 2019.
Divided / Return
ASW 2020
ASM
AS1M
1997
10.10
-
-
1998
9.80
-
-
1999
8.20
-
-
2000
8.80
-
-
2001
7.25
7.80
-
2002
7.25
7.00
-
2003
6.60
6.60
-
2004
7.00
7.00
-
2005
7.10
7.20
-
2006
6.80
6.75
-
2007
8.00
6.80
-
2008
7.00
7.80
-
2009
6.30
6.25
-
2010
6.35
6.30
6.38
2011
6.50
6.38
6.50
2012
6.60
6.50
6.60
2013
6.70
6.50
6.70
2014
6.60
6.60
6.60
2015
6.40
6.60
6.40
2016
6.30
6.30
6.10
2017
6.00
6.00
6.00
2018
6.00
6.25
6.00
2019
5.00
5.50
5.00
However, beginning 15 October 2018, the Amanah Saham Wawasan 2020 (ASW2020) would be known as Amanah Saham Malaysia 2 Wawasan (ASM2 Wawasan). The Amanah Saham 1Malaysia (AS1M) would be known as Amanah Saham Malaysia 3 (ASM3).
Toyota Innova 2.0X 的路税需要 RM439.20, Toyota Hilux Double Cab 2.4 L 需要 RM754.40, Toyota Vellfire 2.5 路税 RM835.20, Toyota Hilux Double Cab 2.8 L 的路税就高达 RM1248！
There are many banks in Malaysia that provide children’s savings accounts for children under the age of 18. Junior Saving Account, which has higher interest on savings accounts than general deposits, and even higher than fixed deposits.
If you have children under the age of 18, you can take them to open this account. In addition to high interest rates, there are other benefits for junior savings accounts, including free insurance, performance rewards, and more! MisterLeaf is here to share with you the junior savings accounts of 6 local banks.
1. Affin Junior Saver Account
Savings interest: up to 3.05% pa
Personal accident coverage for FREE up to 5x your savings amount, up to RM50000
Opening an account with a minimum deposit of RM1
2. Maybank Yippie Savings Account
Savings interest: up to 2.90% pa
Free personal accident insurance rewards up to RM70000
3. Ambank AmGenius Savings Account
Savings interest: up to 3.20% pa
Opening an account with a minimum deposit of RM1
The interest is calculated daily and is credited to the account every month.
4. RHB Bank Junior Savings Account
Savings interest: up to 2.95% pa
Free up to RM50000 for personal accident insurance
Opening an account with a minimum deposit of RM1
5. CIMB Bank Junior Savers Account
Savings interest: up to 2.95% pa
Deposit RM100 per month for additional bonus interest
6. Public Bank WISE Savings Account
Savings interest: up to 2.95% pa
If you do not withdraw funds during the month, you will receive a bonus of 5% per month.
In order to allow parents to compare the savings accounts of Malaysian banks, I prepared a chart. (Compare Junior Saving Account).
Banks in Malaysia continue to launch fixed deposit promotions and campaign in October 2019. You can choose a suitable fixed deposit depending on the situation.
HSBC Time Deposit Promotion
Promotion Period: From now till December 31,2019
Minimum deposit: RM10,000
Tenure: 6 months
Effective rate: 4.00% pa
Conditions: Fresh Funds only and must deposit over the bank counter
Link: HSBC Time Deposit Promotion
Hong Leong eFD Online Time Deposit Promotion
Promotion Period: September 1, 2019 – November 30,2019
Minimum deposit: RM10,000
Tenure: 6 months
Effective rate: 3.90% pa
Conditions: Only for Fresh Fund and via FPX transactions on the Internet
Link: eFixed Deposit / eFixed Deposit-i Promotion
The following picture shows the deposit method for Hong Leong Bank:
Image may be NSFW. Clik here to view.
Affin Bank Fixed Deposit Promotion
Promotion Period: Start from now
Minimum deposit: RM500
Tenure: 12 months and above
Effective rate:
3.90% pa (12 months)
3.90% pa (more than 12 months)
Conditions: Fresh Funds only and must deposit over the bank counter
Link: Affin Bank Fixed Deposit
PB Fixed Deposit / Term Deposit-i
Promotion Period: From now till December 31, 2019
Minimum deposit: RM10,000
Tenure: 3 months / 6 months
Effective rate:
3 months: 3.50% pa
6 months: 3.70% pa
Conditions: Limited to Fresh Funds at the bank counter
Link: PB Fixed Deposit/ Term Deposit-i Campaign
CIMB CASA Bundle Campaign
Promotion Period: From now till October 31, 2019
Minimum deposit : RM10,000
Tenure: 3 months
Rate: 4.70% pa
Conditions: Ratio is FD 75%, CASA 25%.
Link: CIMB Bundle with CASA
Image may be NSFW. Clik here to view.
Standard Chartered CASA Bundle Campaign
Promotion Period: From now till SOctober 31, 2019
Minimum deposit: RM70,000
Tenure: 6 months
Rate: 4.70%
Conditions: Ratio is FD 70%, CASA 30%.
Link: Standard Chartered Bundle with CASA
Image may be NSFW. Clik here to view.
The above fixed deposits rates are for special offers. When we want to deposit, we need to confirm the participation in the relevant promotion. The average interest rate of the CASA Bundle fixed deposit promotion is relatively high, but it is necessary to deposit part of the money into the ordinary savings account or the current account, so the effective interest rate is not as high as expected.
