Monday, May 11, 2009

Fixed Deposits (FD) -- updated and effective as of 10th May




In view of this uncertain economic climate, more people are checking out conservative options such as Fixed Deposits. Let's see what are the current rates like. Is there a financial institute out there offering a much wider spread than the average trend? CIMB is currently, should i say, very aggressive in garnering more customers as evidenced by their extremely attractive interest rates and recruiting more people, especially fresh graduates as they prepare to expand their operations right under our nose.

Well, as you can see, our local banks are offering low interest rates of 0.55% for a one-year period. If we look at the bigger picture, they are offering standard interest rates across all amounts from $10,000 to $999,999. The slight variation come from the time factor. Hence, it is a telling sign that the market is so awashed with liquidity and it may get lower given the recent news about Bank of America and Citibank needing more funding. Where do the US government get their money from? That's right - printing more paper money.

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