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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
Dec 1, 2025
TNG is in trouble. 🚨

Apparently, a user’s account got frozen without any reason.

• He complained to CS for 3 weeks.

• His ticket got closed, but his account is still suspended.

Let me catch you up with this corporate tea. ☕️

🧵 Image
1. The trouble began on 11 November when the user’s account got suspended for no reason.

There were no notifications, no calls, no SMS, and no emails.

He had 4 digits of savings, presumably stored in the GO+ account. Image
2. Over the next few days, the user called and emailed TNG’s customer service.

At first, TNG requested for verification documents and said the issue will be resolved in 5 business days. Image
Read 14 tweets
The Futurizts Profile picture
Nov 3, 2025
The Ringgit appreciated to RM4.1895 against the US dollar this morning. 📈

Could this be due to the ASEAN Summit and PMX?

Yes, but it’s not the only driving factor.

Allow me to explain. 🧵 Image
1. Currencies fluctuate due to supply and demand.

Many factors influence this balance, such as:

• Interest rates by central banks
• Domestic growth & trade
• Foreign investor confidence and capital flows
• Inflation
2. During the ASEAN Summit on 26-28 October, the ringgit strengthened noticeably.

And yes, the successful event boosted investor confidence in Malaysia, which in turn, helped to strengthen the local currency.

But only marginally.Image
Read 9 tweets
The Futurizts Profile picture
Oct 14, 2025
If you’re investing in Gold with:

• Public Gold
• Maybank Gold
• Bursa Gold Dinar
• TNG e-Mas

You need to understand the “spread”.

It’s a hidden cost that can eat into your profits.

Allow me to explain. 🧵
In Public Gold’s website, you’ll always see two prices: PG Sell and PG Buy.

• PG Sell: What Public Gold charges you when you buy gold from them.

• PG Buy: What you’ll receive from Public Gold if you sold your gold to them.Image
It’s kind of like exchanging ringgit at a money exchanger.

There’s always a difference between the buying and selling rates.

This is similar for Maybank, Bursa Gold Dinar, and TNG e-Mas.

Each of them has to display their buy / selling prices clearly.
Read 13 tweets
The Futurizts Profile picture
Oct 14, 2025
🗣️What apps are you using to manage your money?

Me: Image
AEON Bank (My Main Spending Account):

✅ Earn 3% pa in Savings Pots

✅ Up to 4% cashback on grocery spending

✅ 0.50% cashback on debit card spending

✅ Protected by PIDM

✅ Shariah-compliant Image
TNG GO+ (2nd Main Spending Account):

✅ Earn 3.07% pa

✅ Interest paid and compounded daily

✅ Shariah-compliant

❌ RM20,000 deposit limit*

❌ Not protected by PIDM

*You’ll earn ~RM1.70 per day if you max out. Image
Read 9 tweets
The Futurizts Profile picture
Aug 13, 2025
If one was born B40, how does one get out of it? 😯

This powerful question was posted on Threads recently, and it quickly went viral.

Allow me to share the top answers. 🧵Image
1. Almost every reply revolved around the power of Education.

One user shared how his father was a rubber tapper and his mother a labourer.

Today, he’s a medical lecturer and a general surgeon.Image
2. Another recalled using Nescafe bottles as pelita (oil lamps), with their mother waking up early to sell kuih and send all five siblings to university.

They’re now nurses, lecturers, and technicians.Image
Read 8 tweets
The Futurizts Profile picture
Jul 30, 2025
A few positive things from DOSM’s recent salary report:

• Malaysia’s median wage rose to RM3,000 in March (+5.5% y-o-y).

• The pay gap between genders is now almost equal.

• Wages went up for all age groups.

More numbers. 🧵Image
1. Looking across age groups,

the most notable increase is among workers under 20, whose median wage surged by 13.3% to RM1,700.

^ This is probably due to the implementation of the minimum wage of RM1,700. Image
2. By race:

• Chinese employees recorded the highest median wage (RM4,482)

• Followed by Indian (RM2,900)

• And Bumiputera (RM2,545). Image
Read 6 tweets

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