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The Futurizts Profile picture
@TheFuturizts
Apr 3, 2023 • 8 tweets • 4 min read • Read on X
Scrolly
Best Fixed Deposit Rates (Apr 2023 edition):

- Affin: 4.25% pa, 12 months, min RM10,000

- Alliance: 4.20% pa, 12 months, min RM1,000

- RHB: 4.10% pa, 6 months, min RM5,000

- CIMB: 4.05% pa, 12 months, min RM1,000

- Public Bank: 4.05% pa, 12 months, min 5,000

Links 👇
1) Affin Bank eFixed Deposit/eTerm Deposit-i Campaign (ends 30 Apr):

Minimum Deposit: RM10,000
Yield: 4.25% pa
Tenure: 12 months

Link:
affinalways.com/en/promotions/…
2) Alliance Bank Dash4Cash eFD Campaign (ends 30 Jun):

Minimum Deposit: RM1,000
Yield: 4.20% pa
Tenure: 12 months

Link:
alliancebank.com.my/promotions/ban…
3) RHB Term Deposit & e-Term Deposit promo (ends 31 May):

Minimum Deposit: RM5,000
Yield: 4.10% pa
Tenure: 6 months

Link:
rhbgroup.com/fd/index.html
4) CIMB Bazar Siberturahim promo (ends 9 May):

Minimum Deposit: RM1,000
Yield: 4.05% pa
Tenure: 12 months

Link:
cimb.com.my/en/personal/pr…
5) Public Bank eFD via FPX promo (ends 30 Jun):

Minimum Deposit: RM5,000
Yield: 4.05% pa
Tenure: 12 months

Link:
pbebank.com/Personal-Banki…
We hope this post was helpful!

If there are better FD rates the ones already listed above, please suggest them in the comments below. 👇

Over 500+ readers receive actionable insights on the markets from us every week.

Subscribe for free:
thefuturizts.beehiiv.com
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More from @TheFuturizts

The Futurizts Profile picture
Apr 30
It’s not just Nasi Lemak.

White Rice: +73.7%
Chicken Satay: +113.7%
Roti Canai: +71.1%
Beef Meat: +98.6%
Cockles: +400.3%
Big Onion: 139.4%

🧵 Image
Image
1. Meanwhile, the reported national inflation rate during this period (2011-2024) was 28.7%.

The annual average was 2.05%. Image
2. But the national inflation rate tracks a wide basket of goods and services.

For a more accurate comparison, we have to look into the inflation rate of Food & Beverages.

In this case, the group experienced a 47.9% increase in the past 14 years, averaging 3.42% per year. Image
Read 10 tweets
The Futurizts Profile picture
Apr 5
What are tariffs anyway?

And what does Trump aim to do with them?

If you have no clue of what’s happening and how it will impact you, read on to understand more.

🧵
1. Tariffs are a tax placed on foreign goods entering the country.

They are usually implemented to protect local producers and strengthen domestic supply chains.

This is why buying local stuff is (usually) cheaper than imported goods.Image
2. Who pays these tariffs?

The companies that import foreign goods into the country will have to pay the tax.

However, these companies can choose to

• pass some (if not all) of the cost to consumers, OR

• import fewer goods.
Read 15 tweets
The Futurizts Profile picture
Mar 25
I read the financial statements of 4 different insurance companies.

Can you guess how many made net profits and declared millions in dividends in 2023?

🧵
The answer: All FOUR of them.

Prudential
• Revenue: RM5.07 billion
• Net profit: RM963 million
• 2023 dividend: RM451 million
prudential.com.my/en/.galleries/…

AIA Bhd
• Revenue: RM7.22 billion
• Profit after tax: RM1.41 billion
• 2023 Dividend: RM582 million
aia.com.my/content/dam/my…
(CONT)

Great Eastern
• Revenue: RM7.49 billion
• Net profit: RM1.12 billion
• 2023 Dividend: RM975 million
greateasternlife.com/content/dam/co…

Allianz
• Revenue: RM2.17 billion
• Profit after tax: RM319 million
• 2023 Dividend: RM97.7 million
allianz.com.my/content/dam/on…
Read 21 tweets
The Futurizts Profile picture
Mar 14
By age 30, your savings should fall into one of these categories:

• Basic: At least RM38,000 😅

• Adequate: At least RM47,500 👌

• Enhanced: At least RM85,400 🤑

This is according to EPF’s Retirement Income Adequacy (RIA) Framework. 🧵Image
1. Why these figures?

Each category represents a different retirement goal:

• Basic: Aims for RM390,000 by age 60

• Adequate: Targets RM650,000 by 60

• Enhanced: Puts you on track for RM1.3 mil by 60Image
Image
Image
2. Therefore, if your combined savings is more than EPF’s Enhanced benchmark, you’re well ahead of the curve.

And if your EPF savings alone have already surpassed that figure, you’re in an excellent position financially. 💰📈
Read 7 tweets
The Futurizts Profile picture
Mar 9
I went to Japan for 9 days and paid with 4 different travel cards.

Here’s an unsponsored review of which is the best. 🧵Image
1. GXBank is still the best travel card, for now.

Though the purple bank’s cashback on local spending has been reduced to 0.1%,

The cashback on foreign spending is still 1% and covers almost everything, including:

• Petrol
• Hotels
• Flight tickets
• Bill payments

etc.Image
2. As long as the payment is made via your debit card (physical or online), you’ll most likely receive the cashback.

Apart from this, GX is also waiving foreign transaction fees (1.2%) and does not charge you for overseas ATM withdrawals.Image
Read 20 tweets
The Futurizts Profile picture
Feb 10
5.80% is EPF’s highest payout in 3 years.

I honestly think EPF deserves more credit than it actually gets.

Allow me to explain why. 🧵 Image
1. If your salary is RM5,000 and below:

• You’ll contribute 11% of your pay

• Your employer contributes 13% of your pay

Total retirement savings: 24% of your salary every month.Image
2. If your salary is above RM5,000:

• You’ll contribute 11% of your pay

• Your employer contributes 12% of your pay

Total retirement savings: 23% of your salary every month.Image
Read 16 tweets

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