Fixed Deposit – Safe Investment


I heard many of friends asking where to invest to have high return but with no risk. ‘No risk’ and ‘high return’ are something opposite to each other. However, if you spend some time to search for it, you may find it.

One of the safest investment is Fixed Deposit or FD in short. With relatively low return, FD offers security of your money. FD is best for those who want less risky investment with acceptable return. Emily has compiled a helpful list of FD rates in Malaysia. If you are interested in such investments, the list is the holy grail for you.

No.

Banking Institutions w.e.f. 1-mth 3-mth 6-mth 9-mth 12-mth

1

AmBank 5/6/06 3.30 3.40 3.50 3.70 4.00
2 RHB Bank 26/6/06 3.10 3.10 3.50 3.90

4.00

3 Hong Leong Bank 29/4/06 3.00 3.00 3.10 3.70 4.00
4 Alliance Bank 4/8/06 3.30 3.30 3.50 3.60 3.90
5 EON Bank 1/5/06 3.15 3.30 3.50 3.60 3.90
6 Nova Scotia Bank 11/7/06 3.10 3.30 3.50 3.60 3.90
7 Malayan Banking 27/4/06 3.10 3.30 3.50 3.60 3.88
8 United Overseas Bank 17/8/06 3.10 3.18 3.38 3.58 3.78
9 Bangkok Bank 3/5/06 3.20 3.30 3.40 3.50 3.75
10 Deutsche Bank 8/5/06 3.10 3.10 3.25 3.40 3.75
11 Bumiputra-Commerce 29/4/06 3.30 3.40 3.50 3.60 3.70

12

Bank of Tokyo 2/5/06 3.20 3.20 3.20 3.20 3.70

13

ABN AMRO Bank 15/5/06 3.10 3.10 3.20 3.20 3.70

14

Affin Bank 28/4/06 3.10 3.20 3.40 3.50 3.70

15

HSBC Bank 28/4/06 3.10 3.10 3.25 3.40 3.70

16

OCBC Bank 29/4/06 3.10 3.20 3.40 3.50 3.70

17

Public Bank 28/4/06 3.10 3.25 3.50 3.60 3.70

18

Southern Bank 23/6/06 3.10 3.25 3.50 3.60 3.70

19

Standard Chartered 29/4/06 3.10 3.20 3.45 3.60 3.70

20

Bank of America 27/5/03 3.00 3.00 3.00 3.00 3.70

21

Citibank 29/4/06 3.00 3.20 3.30 3.50 3.70

22

J.P. Morgan Chase 22/5/03 3.00 3.00 3.00 3.00 3.70

23

Bank of China 8/5/06 3.20 3.20 3.30 3.50 3.70

source: Bank Negara consumer website www.bankinginfo.com.my (updated 17/8/06)

  1. #1 by Ummi on September 3, 2006 - 10:50 am

    1) Erm, kurang faham table tu. Bulan2 tu utk apa and w.e.f. tu apa?

    2) What’s the difference between ASB and Fixed Deposit?

    3) Can we use FD services here in the US?

  2. #2 by Irwan on September 4, 2006 - 5:31 am

    hi, sorry for the late reply.

    1. Bulan tu jangka masa investment kite, % tu annual income. so klo kite invest sbulan, so dapt 1/12 je la dari % tu.

    w.e.f tu with effect from

    2. ASB ni mutual fund, tapi dia pelik skit sebab dia punye return lebih kurang stable cam FD. FD ni memang fix peratusan dia. So economy down camne pun percentage dia tetap same. Tapi klo pilih antara ASB ngan FD, better ASB la sebab return dia stable gak. tapi ASB ade limitation utk jumlah investment, lagipun non-bumi x leh contribute dalam asb

    3. I myself don’t know whether we could safe our money in fixed deposit or invest in stocks or equity. But mypetridish told me he’s investing online in US equities. I dont know about its legality.

  3. #3 by imran on September 8, 2006 - 2:47 pm

    ustaz zaharuddin rahman kata ASB haram menurut majlis mufti kebangsaan, cuma tak diwartakan. Ni aku quote darinya:

    Menurt kajian ia ada 2 masalah besar:-

    1) Aqad atau jenis pelaburan yang digunakan tidak clear dan tidak menepati syarat pelaburan islam under konsep Mudarabah kerana modal adalah di jamin.
    2) Pelaburannya di buat ke kaunter haram lebih dari 30 %. Ia adalah banyak dan tidak diiktiraf oleh Majlis penasihat Shariah Suruhanjaya Sekurtiti Malaysia

  4. #4 by Irwan on September 14, 2006 - 9:21 pm

    Fatwa mengenai ASB, ASN
    1. Keputusan Fatwa Negeri Sarawak – Harus
    2. Keputusan Fatwa Negeri Selangor – Tidak harus
    3. Keputusan Fatwa Negeri Terengganu – Hanya memberikan garis panduan
    4. Keputusan Fatwa Negeri Perak – Harus dan keuntungannya halal

    source: http://www.pakdi.com/blog/archives/2005/10/hukum_asb_asn.html

  5. #5 by Imran on September 15, 2006 - 3:00 pm

    Aku pun pnah baca fatwa2 tu. Tapi alasan yang diberi Ustaz Zaharuddin munasabah jugak. Konpius2…

    Ni ulasan lengkap Ustaz Zaharudin Abdul Rahman (pengurus RHB Islamic Bank) yang menyanggah fatwa Negeri2 itu (http://www.al-ahkam.net/home/index.php?name=MDForum&file=viewtopic&t=27749&sid=75fbfe8931c9b8084ebb14e32bda8a05):

    Setelah membuat kajian di ASB , maka jawapan yang paling tepat untuk soalan ASB adalah seperti berikut :-

    Ia adalah haram dan tidak sah seratus peratus, seluruh dividen hasil ASB juga tidaklah sah di sudut syara’ kerana sebeba berikut :-

    1) Pelaburan ASB iaitu sebanyak 37.30 % ke Maybank ( perbankan Ribawi yang haram)
    2) Commerce asset holdings berhad ( KOnvensional) – 1.11 %
    3) British American Tobacco berhad 1.07 %
    4) Malaysian National Reinsurance Berhad – 0.89 % ( insuran konvensional)

    justeru, jika menurut ukur rujuk (benchmark) peratusan pelaburan haram dalam sesbuah syarikat yang dibuat oleh Majlis Penasihat Shariah Suruhanjaya Sekuriti , ( rujuk keputusan Majlis Penasihat Shariah SC). Maka jumlah di atas sudah menjadikan pelaburan haram menguasi dana pelaburan ASB. ini menyebabkan nya menjadi haram.

    Bagaimanapun , kemudian timbul fatwa yang menghalalkannya atas hujah di atas.

    Bagaimanapun minta maaf saya katakan bahawa semua hujjah di atas terlepas pandang satu aspek kritikal dalam mengesahkan pelaburan ASB. iaitu aspek AQAD PELABURAN YANG digunakan. adakah ia mudabarah atau musyarakah atau apa?

    dan jika mudarabah, perlu diingat bahawa jika aqad nya tidak sah dari sudut syara’ maka seluruh pelaburan adalah batal tanpa mengira dalam industri halal atau haram ia dilaburkan.

    Maka setelah saya merujuk ke PNB, dan buku prospektus ASB. saya dapati bahawa termaktub bahawa capital (modal) pelaburan ASB adalah di jamin oleh PNB. ini bermakna sayarat dalam aqad pelaburan ini telah bercanggah dgn syarat pelaburan Mudarabah dalam Islam.

    Menurut mazhab Syafie, aqad pelaburan tadi adalah batal. Malah modal pelaburan tidak boleh dijamin oleh pihak yang mengurskan pelaburan juga di fatwa kan oleh Majma’ Fiqh Islami atau OIC Islamic Fiqh Academy dalam konvensyen ke 9 mereka telah memutuskan bahawa jaminan modal hanya dibenarkan jika ia datang dari pihak ketiga. dan dengan syarat ia tidak dimasukkan di dalam kontrak mudarabah.

    Adakah ini dijaga oleh ASB…tidak sama sekali kerana mereka langsung tidak mempunyai Penasihat Shariah. Sepatutnya jika Malasyia ingin menjadi Global Islamic banking and Finance Hub.. sebagaimana di warwarkan Oleh Dato’ Seri Najib, PNB harus di Islamisasikan terlebih dahulu. gunakan konsep mudarabah dalam pelaburan mereka dan melabur di kaunter halal sahaja.

    Banyak lagi kaunter halal untuk melabur wp kurang sikit dividen, biar halal walaupun sedikit, daripada banyak tapi haram .

    sekian, wallahu a’lam.

    UZAR

  6. #6 by umar_lahmi on October 16, 2006 - 4:31 pm

    En. Irwan atau kwn2 yg melayari blog ini, Fixed Deposit or FD in short tu kebanyakan dijalankan oleh bank2 konvensional, ada tak list2 nama bank yang menjalankannya mengikut hukum syariah.

  7. #7 by Ain on November 1, 2006 - 6:47 pm

    hanya islamic fixed deposit jer yg tak haram, other than that mmg haram. kalau belajar kat universiti, subject2 pasal banking ni pun mmg sah2 tulis fixed deposit haram. my sister belajar pasal ni & mmg dia yg cerita pasal benda ni.

    kenapa haram? sbb FIXED. sepatutnya keuntungan/kerugian bagi sama rata. kalau rugi pun kita still dpt fixed percentage… mana dtgnya duit tu?

    mcm forex pulak hukumnya harus. tapi kena berhati2 sbb ada unsur2 yg boleh menyebabkannya haram.

    ** niat tak menghalalkan cara

  8. #8 by konpius on November 13, 2006 - 10:09 am

    saya masih ragu lagi.boleh perjelaskan kenapa fixed tu tak boleh.jika kata rugi pun dpt untung, mana dtngnya wang itu, mungkin boleh dibincangkan lagi. sebagai contoh.pada mulanya kita bersetuju iaitu akad jika saya bagi duit banyak ni, saya akan dapat pulangan banyak ni.dua-dua bersetuju. katalah pada tahun pertama bisnes untung banyak tapi dia bagi pada kita mengikut apa yg kita setuju semasa isi borang.adakah itu salah.

    keduanya, bisnes rugi, tapi dia bagi juga spt yg dia berjanji dgn kita, adakah itu salah. Bila kita isi borang, dia akan menanggung segala risikonya.

    perlu penjelasan dari yg daif

  9. #9 by dodyann on November 30, 2006 - 11:30 pm

    Ikut fatwa majlis ulama mesir dan mekah (ade website tp dlm b.arab) ..depa semua dgn bulat suara kata FD ni haram .. sbb dia bukan investment walaupun di laur nampak investment .. asal dia deposit (Wade’ah) yg bermaksud simpanan .. jd kite bole keluar kan dan duit jamin x hilang sbb kite simpan di tmpt yg selamat .. so asasnye simpanan bkn investment ( atau perniagan sbb investment adala perniagan berkongsi dua pihak) .. jd di sini dah jelas kite mkn riba bkn profit ..

    kalau betul investment kena share profit & risk .. kalau masa tu rugi kite rugi jgk dan kalau utung lebih pun kena dpt jgk .. dan akan dan nama pun kena tukar ke pelaburan bkn simpanan …

  10. #10 by Elzi Yanti on December 4, 2006 - 5:34 pm

    Jadi apa kesimpulannya, my parents merupakan pelanggan setia ASB, memandangkan kami bukanlah dari keluarga berada, mak dan ayah cuma mengharapkan dividen dan bonus sahaja setiap tahun dan mereka memang tidak pernah mengeluarkan wang tersebut atas tujuan simpanan utk hari tua dan waktu-waktu kecemasan, mereka juga tidak pernah lupa untuk menunaikan zakat, bila isu ni timbul, perkara ini telah menimbulkan kebimbangan yang bukan sedikit sebab mereka memang begitu menitikberatkan soal dan haram. ASB sendiri memang untuk BUMIPUTERA, definisi untuk BUMIPUTERA itu sendiri secara tidak langsung menggambarkan majoriti ISLAM sebagai pelabur. HARAM atau HALAL, itu merupakan persoalan yang perlu dijawab, tapi siapa??

  11. #11 by Azrul on December 19, 2006 - 7:25 am

    And we wonder why Muslims make car loans from conventional banks and happily give interests but when it comes to receive money (from FD, mutual funds/ ASB) they are so afraid. Just wonder out loud…

  12. #12 by zenbaya on January 16, 2007 - 9:56 am

    hmm..nama2 korang nie..cam familiar jerr..korang2 nie..slalu lepak nogold ker? dodyann, azrul..:P..

  13. #13 by Azhar on January 23, 2007 - 10:18 pm

    macam mana dgn company farflex commerce?? investment dia halal ker haram?? saya baru habis training keje jumaat lepas. x sangka diberi hidayah utk surf internet malam nie…

  14. #14 by Irwan on January 23, 2007 - 10:27 pm

    erm.. x penah dgr pulak pasal farflex. mungkin pengunjung lain blh kasi pendapat?

  15. #15 by Piji on January 24, 2007 - 12:32 am

    Setelah membaca semua replies ni, saya terfikir, sampai bila kite harus bertelagah tentang perkara yang mengelirukan kerana semua yang menulis ada hujah yang tersendiri, pros ade hujah yg kukuh, begitu juga cons. by the end of the day, takde kesimpulan yang dibuat, dan perkara SEPATUTNYA ini, SEPATUTNYA itu, mmg sentiasa ditimbulkan, tambah pula dengan hujah lain, yang kukuh. terdetik di fikiran saya, apakah masalah yang sebenarnya mengenai menaikkan taraf ekonomi orang kita? apakah perlu berkonflik tentang hukum syariah yang sudah jelas, kuasa menentukannya adalah bukan di tangan kita tapi di tangan pemimpin? jikalau setakat menimbulkan kekeliruan yang mana eventually org kita juga yg menanggungnya, saya fikir risikonya adalah lebih tinggi daripada tak bercakap mengenainya langsung. perlu diingat, semua org ingin mengubah dunia tetapi tiada yang ingin mengubah diri sendiri. lupakah bahawa golongan yang paling banyak disoal nanti adalah golongan pemimpin, kerana mereka yang menentukan dasar, daripada yang sekecil-kecilnya sehinggalah yang besar. jadi, jika kuasa mengubahnya tiada di tangan, janganlah bercakap dengan harapan. berbincang tetapi tiada keputusan, akhirnya kita yang rugi. org lain dpt untung, kita masih di tangkuk lama (berbincang tanpa keputusan).

  16. #16 by KakTi on January 25, 2007 - 12:28 pm

    M’sia dah ada produk Islamic, jd sesiapa yg nak betul-betul mengambil berat pasal halal haram ni bolehlah bertukar kepadanya.

    Produk – produk Islamic yg ada:

    1) Akaun Mudharabah yg menggantikan F. Deposit(Keuntungan dikongsi bersama, bank dapat untung tinggi kita pun dapatlah mengikut nisbah yg dijanjikan)
    2) Takaful menggantikan insuran hayat dan am.
    3) Dana – dana unit amanah yg mengikut syariah dr syarikat-syarikat swasta menggantikan ASB.

    Pilihan telah ada…

  17. #17 by bamsaa on January 25, 2007 - 3:27 pm

    Anybody want to share about REIT in Malaysia? about the investment, dividen, risk, etc…. maybe you can create another column for this discussion.

  18. #18 by Piji on January 26, 2007 - 2:20 pm

    KakTi, please describe more about (3) Dana, that you said can be an alternative to ASB. I’d like to know more about the the name of the companies and in what way it is better than ASB, esp from the view of syariah. Thanks in advance. And one more thing, I’ve read about a scam that uses sort of foreign currency investment. Most of the investors are budak2 U, so I guess it has a very clever tactic to lure preys. ebookswisscash.biz, is this one of such scams?

  19. #19 by KakTi on January 28, 2007 - 11:08 am

    Well Piji, the funds are unit trust fund managed by unit trust management companies in M’sia. To name a few, there are Public Mutual Berhad, Aminvestment Services Berhad, MAAKL Mutual Berhad. For a full list of funds that is managed by these companies and others you can go here http://www.sc.com.my/eng/html/icm/listofMIF.html

    These funds have shariah advisers who will make sure the investments made are shariah compliance.

  20. #20 by Din on January 29, 2007 - 6:03 pm

    Piji, I wouldnt say its better than ASB in terms of returns. In fact some can be more risky and returns can fluctuate depending on teh funds’ performance. But again depending on your risk appetite. If you want less risky, go for bond funds or if you like a bit of risk, you might want to go into balanced funds where they have equity element. But, yes, they will be syariah compliant. Its like you buying from unit trust agents I suppose, you state your preferences and they advise you accordingly.

  21. #21 by KakTi on January 30, 2007 - 9:11 am

    Some of the unit trusts in the market do give better return than ASB. The fluctuation is in the short term, for long term they will be an increase . I don’t advise you to go for bond fund if it is a long term investment. Bond is for income not growth. You may diversify into bond and equity if it involve a large amount of money. But if you are investing a fix amount every month go for equity. If you don’t like high risk go for moderate equity fund.

  22. #22 by Irwan on January 30, 2007 - 10:17 am

    @bamsaa:

    that’s a great idea. I’ll try to make a post after this. But it might take a while bcoz i need to do some reading so that we can discuss this in more informative way. :P

    @Piji:
    usually funds that are not well-known in media such as newspaper or magazines are not appropriate fund. There are lots of funds that raise money from internet people that promises too-good-to-be-true returns. that will pay as long as they could until the funds collapse. However, the active contributors for this kind of funds won’t admit that the funds are scam until they are not paying anymore. And as you personally care about syariah-based investment, i think the fund source is doubtable.

  23. #23 by Darma on April 11, 2007 - 9:01 pm

    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

  24. #24 by Irwan on April 11, 2007 - 10:46 pm

    of course you are right darma, with forex trading, you not only able to get 20% p.a, you can even get 100% per day. and with that great power, come great risk. jkg

  25. #25 by Darma on April 12, 2007 - 8:30 am

    I can give you without a risk its a zero risk method i use to trade in forex.If you do intrest u can call me or sms me 016-9823057.We provide you the Investment for you.

  26. #26 by Irwan on April 12, 2007 - 8:57 am

    Thanks Darma, before i call you, would you provide some basic information about you method. You dont have to be specified though, Just the basic info so I can do some research beforehand so we can have educational discussion when i contact you. I would be very interested to know the basic approach to this non-risk forex trading.

    thanks again

  27. #27 by Darma on April 12, 2007 - 12:33 pm

    Ok irwan actually dont reveal this method but however we made long research and learn about this forex and we have plan our own strategy for trade without 0 risk free method.Im sorry to say that cant explain my strategy to others.
    Thanks

  28. #28 by aduka on April 19, 2007 - 1:01 am

    salam all…ade sape2 leh tau psl farflex commerce x?
    rase2 ade soklan kt atas tu..tp xde jawapan pon..?..
    yang da join under ib farflex dgr rmi yg untung ratus2 ribu..betoi ka..?
    hehe..

  29. #29 by azrul on June 18, 2007 - 6:54 am

    Have you deleted the comment by Pyaan. Good move. Another freaking Pak Man Telo.

  30. #30 by skyhope on June 26, 2007 - 4:40 pm

    salam.farflex?saya adalah salah seorng investor farflex di johor bahru.bile check2 balik akhirnya saya bukak IB sendiri.lg menguntungkan.

  31. #31 by skyhope on June 26, 2007 - 4:41 pm

    bagi sesiapa yg berminat nak tau tentang forex lebih lanjut dan ia halal k haram k bole hubungi saya di 012 772 1825

  32. #32 by Starkies on August 17, 2007 - 4:08 pm

    SAYA PNAH BERKERJA MENGGUNAKAN PRISIPAL “FARFLEX”..TAPI TERNYATA FARFLEX ADALAH COMPONY YANG HANYA ADA DIMALAYSIA SAHAJA DAN BUKAN DI NEWYORK..SEBAGAI BUKTI ANDA SEARCH KAT YAHOO ATAU GOOGLE..KEBANYAKAN YANG MEMBERI KOMEN PASAL FARFLEX ADALAH ORANG MALAYSIA SENDIRI..DAN KENALAN SAYA DI DALAM COMPONY ITU ADA YANG TIDAK DAPAT MENGELUARKAN DUIT MEREKA,INI ADALAH APA YANG SAYA LIHAT N DENGAR..

    FARFLEX JUGA TIADA DALAM SENARAI INTRODUCING BROKER..

    HATI2 SUMA..

  33. #33 by kkchow23 on August 17, 2007 - 11:58 pm

    Think everyone should try do some research on the company they’re interested to invest in before doing so to avoid being scammed and cheated. There’s lot of this fraud nowadays and even SC is having difficult times trying to trace all of them, it’ll take some time.

  34. #34 by Mr Chin on September 3, 2007 - 5:32 pm

    I do agree with kkchow23. Pls check with Bank Negara at http://www.bnm.gov.my or email them at upkinfo@bnm.gov.my . Below is a articles from Bank Negara regarding some Skim Cepat Kaya (SCK):-

    http://www.bnm.gov.my/index.php?ch=104&pg=457&ac=551&lang=bm

    I have friends approaching regarding these sort of quick rich scheme, they all know it is a SCK but the feeling of Tamak/Greed has taken over their unconsciousness. Some of my Muslim friend always said, make sure the Rezeki is really from God.

    When the SCK bubble burst, some luckily enough to recover back some money because they already break even, some lost lots of money not to mention the lost and pain they brought to their fellow friends and family who trusted them for the SCK. A life time regret, I guess. So, watch out!

    Rgds,
    Mr Chin

  35. #35 by mirul on October 30, 2007 - 12:38 pm

    skg ni bank mana yang kira byk interest kalau bt FD?

  36. #36 by Zeke on December 7, 2007 - 12:16 am

    Let’s suppose that Darma can actually make 20% per year. This means s/he can double his/her initial investment in five years, and reach ten times initial in less than 18 years. Combine this with some additional inputs from (shudder! gasp!) WORK, and pretty soon we have a millionaire. So, then, why is Darma so eager to share this bonanza with other people?

  37. #37 by Darma on December 7, 2007 - 9:17 am

    Zeke : Im earning more than 20% from others investment so i can earn more for manage their Fund.Im not Teaching or doing for free.I have a certain percentage on the investment.This is bussiness not a self investment.Even bank Makes Money.he not simply paying you for free of charge

  38. #38 by azlan on February 12, 2008 - 5:11 pm

    can i know what differences between public mutual and CIMB wealth???

    which company offer high return?

    I heard from my fren that public mutual only invest in property then what happen if property market going down???

  39. #39 by KakTi on February 13, 2008 - 8:04 am

    Public Mutual and CIMB Wealth Advisors are both unit trust fund management company. Public Mutual is a member of Public Bank Group. CIMB WA is a member of CIMB Bank Group.

    Public Mutual are managing 47 unit trust funds currently. Each fund give different returns. This is the same with CIMB WA, they are also managing a lot of funds with different risk and categories that are giving out different returns. This year one fund may give a high return next year who knows.
    Public Mutual did get a lot of awards because of their good fund management anda consistent return.

    About where P.Mutual is investing thier fund money, your friend got it wrong.

    The P.Mutual fund manager will invest the UT funds money in equities, money market and bonds. The PB Asia Real Estate Income Fund (PBAREIF) launched by Public Bank and managed by Public Mutual do invest in property as it is real estate fund. But other funds are either equity, balanced or bond fund.

  40. #40 by Kak Naan on February 14, 2008 - 7:23 pm

    Public Mutual…….menang anugerah lagi…….

    Baru2 ni Public Mutual dinobatkan sebagai Most Outstanding Islamic Fund Manager di KLIFF (Kuala Lumpur Islamic Finance Forum) Islamic Finance Awards 2007.

    Bersempena dgn itu Public Mutual melancarkan promosi bermula 29 Jan hingga 29 Feb ’08.
    Service charge bagi cash investment dikurangkan dr 5.5% ke 5.0% .
    Dana-dana yg terlibat dalam promosi ini adalah seperti berikut:

    Public Ittikal Fund (PIttikal) Equity
    Public China lttikal Fund (PCIF) Equity
    Public Asia Ittikal Fund (PAIF) Equity
    Public Islamic Equity Fund (PIEF) Equity
    Public Islamic Opporturities Fund (PIOF) Equity
    Public Islamic Asia Dividend Fund (PIADF) Equity
    Public Islamic Asia Balanced Fund (PIABF) Balanced
    rosnani1@gmail.com

  41. #41 by kamal on May 21, 2008 - 11:52 am

    hai….

    saya kamal bolh jelaskan tak fixdeposit dan bank mana yang sepatutnya saya melabur dan berapa banyak untuk melabur keuntungan bolah diambil bulanan atau tahun akhir dan boleh bagi nasihat atau penerangan untuk membuat pelaburan ini boleh jelaskan sya kurang arif tentang pelburan ini kerana saya ada memasuki insurans nyawa simpanan 10 tahun dan pelaburan sudh matang duit keuntungan akan keluar tak lama lagi saya ambil insurans dalam bank am bank faedh yang saya perolehi dari insuran ialah 30k jadi saya hendak membuat pelaburan untuk mendapat keuntungan yang lebih banyak boleh beri tunjuk ajar dan penerangan lagi satu fix deposit tak bolih guna wang kwsp sila jelaskan saya kurang arif

    • #42 by KakTi on May 21, 2008 - 1:59 pm

      Kamal,

      Fix Deposit ni bukanlah satu bentuk investment. Ia lebih kepada simpanan, kalau dalam bahasa melayunya ialah simpanan tetap.

      Dr u simpan di FD baik simpan di Tabung Haji. Lebih banyak keuntungannya, halal dan zakat pun dibayar. Kalau menyimpan di FD akan dapat interest – riba.

      Utk pelbagaikan pelaburan masukkan sedikit ke Tabung Haji dan selebihnya di unit trust.

  42. #43 by kamal on May 22, 2008 - 1:28 pm

    maaf saya ingin bertanya lagi bagai mana pula pelaburan unit trus dan pengiraan keuntungan macam mana dan lagi satu tabung haji pelaburan yang macam mana yang encik irwan perkatakan jika saya hendak keluarkan kwsp untuk buat pelaburan unit trus bagaimana proses dia dan keuntungan dia bagaimana jumlah keseluruhan duit kwsp saya sekarang ialah 34k dan berapa boleh di keluarkan dan bagaimana melabur dan keuntungan dia saya kurang arif boleh jelaskan

  43. #44 by kamal on May 22, 2008 - 1:37 pm

    skg ni bank mana yang kira byk interest kalau bt FD?

  44. #45 by kamal on May 22, 2008 - 3:16 pm

    apakah perbezaan unit trust dengan fx deposit dalam masa setahun adakah keuntungan dalam bulanan boleh diambil jika fix deposit keuntungan dari pelaburan di bahagi 2 dengan bank boleh jelaskan cara pengiraan keuntungan dan cara pengiraan pembahaian keuntungan dari pada pelaburan fix deposit dan jelas kan tentang unit trus mana lagi bagus

  45. #46 by mohd on July 2, 2008 - 6:15 pm

    ada sape2 yg tahu tak mcm mn nak buat pengiraan keuntungan simpanan tetap. contoh saya simpan RM 50,000.00 selama 6 bulan berapa interes saya boleh dapat dalam sebulan

  46. #47 by Irwan on July 2, 2008 - 7:29 pm

  47. #48 by Kamehamehaa on August 26, 2008 - 2:33 pm

    Just nak tanya? Ada x laman web yang menerangkan dengan lebih jelas berkenaan FD yang dijana menggunakan keadah Islamic?

  48. #49 by eirra on August 27, 2008 - 6:44 pm

    dear sir/madam

    bleh i tau bank mana yang sepatutnya i labur?

    • #50 by swami on August 28, 2008 - 12:07 pm

      public bank

  49. #51 by diana on September 25, 2008 - 11:40 am

    i dont agree with mr irwan here :)
    fixed deposit bukan la satu bentuk pelaburan. itu adalah simpanan..
    dan dgn kadar inflasi mencecah 7% per year, dgn kadar faedah setakat max 4%, adakah berbaloi simpanan kita tu?
    value of the money dropping 6-7% each year, 4% interest takkan beri pulangan yg sepatutnya, yg dpt cover inflasi…
    kalau nak tau lagi more about unit trust blh contact me also, i’m most happy to assist :)
    ni_akulagi@yahoo.com

  50. #52 by waan on March 26, 2009 - 3:23 pm

    aku rasa was-was lah macam sabun mandi zaiton punya iklan,
    sekali baca tah lah ko rang ni nak letak duit lebihan kat mana yang paling sesuai dan menguntungkan,,
    choba bagi pendapat yang teramat baik kepada muslimim dan muslimat kita ni…

  51. #53 by idris on June 29, 2009 - 7:56 pm

    ask,..bleh sesiapa terangkan pada saya mengenai foreign currency mudharabah-i(fcm-i) dan berapa banyak keuntungan kiranya saya melabur dipublic bank sebanyak 10k .dan mcm mane pengiraanya jika saya amik/cuba tuk 1 bln ja..tq

  52. #54 by idris on June 29, 2009 - 8:05 pm

    dan 1 lagi,sya nak tanya cikit argh pada orang yang keje kat bank ni..saya x berapa faham tentang pengiraan peratusan dan keuntungan fcm-i ni,kalu jatuh matawang yang dipositkan hilang ka deposit kita tu..

  53. #55 by waan on July 17, 2009 - 4:58 pm

    bagaimana dengan saham koperasi bank persatuan,, ada sesapa yang arif taka?
    tentang..
    1)hubungan dengan bank rakyat./
    2)status sebagai bank koperasi/.
    3)adakah pelaboran dijamin/.
    4)cara pembahagian keuntunggan.
    5)cara pemberian zakat/
    dan ssbg…
    6) apakah potensi bank ini??

  54. #56 by waan on July 17, 2009 - 5:01 pm

    imran…
    kakti..
    irwan..
    azhar..(macam penah kenal lah)
    PLS…

  55. #57 by George Gearing on November 9, 2010 - 3:07 am

    I’d be inclined to concede with you on this. Which is not something I usually do! I enjoy reading a post that will make people think. Also, thanks for allowing me to speak my mind!

  56. #58 by Jeff Marasciulo on November 13, 2010 - 9:11 am

    This was heard on TV recently yet I have more things to try with.

  57. #59 by Malin Akerman on November 17, 2010 - 2:54 pm

    material here, much to offer, articles acquiring

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