和老婆讨论了，一小份放入saving account,大多放入定期吧。
自己在网上看了很多comparison,好象都是Maybank 的Yippie Savings Account最好，有保险cover还有那些奖励。例如PMR,SPM等考到很好的成绩，银行都会另外加钱入户口。
http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?chCatId=/mbb/Personal/INV-Investment&programId=ACC01-SavingsAccounts&cntTypeId=0&cntKey=ACC01.07
Yippie Savings Account
A savings account for children aged below 18 years, offering high interest rates up to 2.75% p.a.
Effective rate:1.20 - 2.76% p.a.
Minimum deposit:
RM1
* Eligible for protection by PIDM
Benefits
- Free coin box when you open a Yippie account with a RM250 deposit
- Cash rewards for Yippie Club members who excel in their PMR, SPM, STPM and Tertiary level exams
- Free Personal Accident Insurance coverage of up to RM70,000 for you and your child
- A chance to win fantastic prizes in various contests (if any)
Note
To enjoy these benefits, you need to maintain RM1000 in your account at all times. The higher interest rate paid is subject to only one withdrawal per month. Interest is credited twice (2) a year on 30th June and 31st December respectively. To enjoy this benefit, you will have to maintain the account for at least 6 months a year, from 1st January to 30th June and from 1st July to 31st December. If the account is not maintained for the 6-month duration as mentioned, the normal Kawanku Savings interest will apply.Who can apply
- Children below 18 years old, parents and guardians who are below 60 years of age
Interest rates
| Credit balance | Nominal rate (% p.a.) | Effective rate (% p.a.) | |
| Up to RM50,000 | 3.00 | 3.01 | |
| Above RM50,000 | 1.45 | 1.45 | |
| * With effect from 11 May 2011. Subject to change without prior notice. | |||
Required documents
For Personal/Joint accounts
- Child: Original birth certificate or MyKid
- Parents / Guardian: Original Identity Card (IC) for Malaysians and
- Passports for foreigners
- Valid Passport (if IC is produced as a Primary document)
- Valid driving licence
- Utility bills (e.g. water/electricity/telephone bills, Quit Rent, Assessment Notice) in the name and address of the customer opening the account
- Letter of employment
- Credit card
Fees & charges
- Replacement of ATM/bankcard: RM12
- Replacement of lost savings passbook: RM15 incl. stamp duty
- Replacement of savings passbook due to poor handling: RM10
- Early closure of account within 3 months of account opening: RM20
- Cash withdrawals at ATM facilities owned by other banks (MEPS charges): RM1
Academic Cash Award
The Cash Award for Academic Excellence is given for excellent grades in PMR, SPM, STPM/A-Levels and Degree level. The cash awards are as follows:| Examination | Cash award |
| PMR (7As) | RM100 per accountholder |
| SPM (8As / A+) | RM200 per accountholder |
| STPM/A-Levels (5As / 4As and MUET Grade 6) | RM300 per accountholder |
| University Degree (1st Class Honours) | RM500 per accountholder |
How to qualify
To qualify, you need to meet the following criteria:Existing account holders
Maintain RM1,000 in the account during the examination year for PMR, SPM, STPM / A-Levels until the date of submission for Cash AwardNew account holders
Open and maintain RM1,000 in the account during the examination year for PMR, SPM, STPM/A-Levels until the date of submission for Cash Award1st Class Honours Degree
At the age of 18, the accountholder must maintain RM1,000 in the accountAccount must be opened before reaching age 18
Account must be maintained until the date of submission of Cash Award
Claims
The submission for Cash Award claims is to be done at the accountholder's home branch within one (1) month from the official results announcement. The Cash Award can only be claimed once irrespective of the number of savings accounts held by the imteen accountholder.---------------------------------------------------------------------------------
OCBC
http://www.ocbc.com.my/personal-banking/banking/MY_Banking_Deposit_Saving_YoungSaver.shtm?bcid=M1_C1_S1_P4
Effective from 12 May 2011, the interest rate for Young Savers account will be revised to the following :
| Tier | Existing Interest Rate (% p.a.) | Revised Interest Rate (% p.a.) |
| Up to RM50,000 | 2.60 | 2.85 |
Above RM50,000 | 0.30 | 0.30 |
Benefits
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* The results must be submitted to OCBC within 2 weeks of the announcement of examination results.
* The cash awards for academic excellence shall be paid by the Bank at such frequency and rate determined and may be reviewed by the Bank from time to time.
Eligibility
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 | No monthly service fee! |
Hong Leong Junior Savings Account
Instilling savings habit at a young age is a wise move. We recognize that supporting education and promoting savings improve the way people live in the communities we serve in.Who it's for?
- Children below 18 years old who wants to inculcate a good savings habit.
- Parents who wish to regularly put aside savings for special purchases and expenses for their child.
- Features & Benefits
- Eligibility
- Terms & Conditions
- High savings interest at 2.90% p.a. up to RM50,000
- Interest calculated daily and credited monthly
- Savings passbook provided to help your child keep track of their finances
- Open an account now with RM 1
- Low monthly premium - RM1.10 a day for complete protection for both adult and child.
- Covers both death and total permanent disability.
- Up to RM90,000 coverage per life; no medical examination required.
- Accumulated income fund available upon termination of policy.
- Coverage will commence immediately for death / TPD caused by accidents.
- Hassle free payment convenience through debiting your Hong Leong Junior Savings Account.
| Benefits | Junior Saver's Protection Plan | |
|---|---|---|
| 1st Life Assured | 2nd Life Assured | |
| Death (All Causes) | RM 45,000 | RM 45,000 |
| TPD (All Causes) | RM 45,000 | RM 45,000 |
| Premium | RM 33 per month | |
In the event of the death or TPD of the Life Assured occurring before age of five (5) years, the Sum Assured payable under the Basic Life Policy shall be reduced as follows:
| Age attained at Death or TPD | % Sum Assured Payable |
|---|---|
| 0 to 1 | 20% |
| 2 | 40% |
| 3 | 60% |
| 4 | 80% |
| 5 and above | 100% |
