{"id":50057,"date":"2023-09-28T13:00:00","date_gmt":"2023-09-28T05:00:00","guid":{"rendered":"https:\/\/valueinmind.co\/?p=50057"},"modified":"2023-11-07T09:06:09","modified_gmt":"2023-11-07T01:06:09","slug":"malaysia-best-junior-saving-account-for-kids","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/malaysia-best-junior-saving-account-for-kids\/","title":{"rendered":"\u5bb6\u957f\u5fc5\u770b\uff1a\u9a6c\u6765\u897f\u4e9a\u6700\u597d\u7684\u513f\u7ae5\u94f6\u884c\u6237\u53e3 Junior Savings Account TOP 5\uff01"},"content":{"rendered":"\n

\u4f60\u6709\u6ca1\u6709\u5e7b\u60f3\u8fc7\u81ea\u5df1\u5728\u51fa\u751f\u7684\u65f6\u5019\u5c31\u662f\u4e00\u4e2a\u201c\u5bcc\u4e8c\u4ee3\u201d\uff0c\u94f6\u884c\u91cc\u6709\u82b1\u4e0d\u5b8c\u7684\u94b1\uff1f\u4e5f\u8bb8\u73b0\u5b9e\u6ca1\u6709\u90a3\u4e48\u7f8e\u597d\uff0c\u4f46\u662f\u6211\u4eec\u53ef\u4ee5\u52aa\u529b\u8ba9\u6211\u4eec\u7684\u5b69\u5b50\u5728\u6210\u957f\u8fc7\u7a0b\u4e2d\u6709\u66f4\u597d\u7684\u4fdd\u969c\uff0c\u8fc7\u5f97\u8863\u98df\u65e0\u5fe7\u3002\u90a3\u4e48\uff0c\u6211\u4eec\u5e94\u8be5\u5982\u4f55\u8ba9\u5b69\u5b50\u8d62\u5728\u8d77\u8dd1\u7ebf\u4e0a\u5462\uff1f<\/p>\n\n\n\n

\u72b9\u592a\u4eba\u662f\u4e16\u754c\u4e0a\u6700\u5bcc\u6709\u7684\u6c11\u65cf\u3002\u4ed6\u4eec\u4e4b\u6240\u4ee5\u6709\u94b1\uff0c\u6b63\u662f\u79bb\u4e0d\u5f00\u4ece\u5c0f\u7684\u8d22\u5546\u6559\u80b2\uff0c\u4ece\u5b69\u5b50\u4e09\u56db\u5c81\u5f00\u59cb\u57f9\u517b\u5b69\u5b50\u5bf9\u91d1\u94b1\u5355\u4f4d\u3001\u4ef7\u503c\u3001\u6982\u5ff5\u7684\u8ba4\u77e5\uff0c\u4e00\u6b65\u6b65\u5851\u9020\u5b69\u5b50\u7684\u8d22\u5bcc\u601d\u7ef4\u3002\u6b63\u5982\u5df4\u83f2\u7279\u6240\u8a00\uff1a\u201c\u4e0d\u8981\u7b49\u5230\u5b69\u5b5010\u51e0\u5c81\u4e86\uff0c\u624d\u5f00\u59cb\u8c08\u8bba\u7406\u8d22\u201d\uff0c\u56e0\u4e3a\u4e00\u5207\u90fd\u592a\u8fdf\u4e86\u3002<\/p>\n\n\n\n

\u5e2e\u5b69\u5b50\u5851\u9020\u8d22\u5546\u7684\u7b2c\u4e00\u6b65\u5c31\u662f\u704c\u8f93\u5b58\u94b1\u7684\u91cd\u8981\u6027\uff0c\u56e0\u6b64\u4e3a\u5b69\u5b50\u5f00\u8bbe\u513f\u7ae5\u94f6\u884c\u6237\u53e3\u81f3\u5173\u91cd\u8981\u3002<\/p>\n\n\n\n

\u6709\u4e00\u4e2a\u513f\u7ae5\u94f6\u884c\u6237\u53e3\uff0c\u4e0d\u4ec5\u4ec5\u662f\u53ef\u4ee5\u5e2e\u52a9\u5b69\u5b50\u4ece\u5c0f\u5c31\u6253\u597d\u7406\u8d22\u89c2\u5ff5\uff0c\u8fd8\u53ef\u4ee5\u8ba9\u4ed6\u4eec\u5f00\u59cb\u517b\u6210\u50a8\u84c4\u7684\u4e60\u60ef\uff0c\u957f\u671f\u79ef\u7d2f\u4e0b\u6765\u540e\u8fd8\u6709\u673a\u4f1a\u5b58\u5230\u4e00\u7b14\u53ef\u89c2\u5ba2\u89c2\u7684\u6570\u5b57\uff0c\u4f5c\u4e3a\u672a\u6765\u5347\u5b66\u6216\u8005\u662f\u5176\u4ed6\u7528\u9014\u4e5f\u662f\u975e\u5e38\u597d\u7684\u3002<\/p>\n\n\n\n

\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u6709\u8bb8\u591a\u4e0d\u540c\u7684\u513f\u7ae5\u94f6\u884c\u6237\u53e3\u53ef\u4f9b\u9009\u62e9\uff0c\u4f46\u54ea\u4e00\u4e2a\u662f\u6700\u597d\u7684\u5462\uff1f\u8fd9\u7bc7\u6587\u7ae0\u9009\u51fa\u4e865\u4e2a\u7684\u513f\u7ae5\u94f6\u884c\u6237\u53e3\uff0c\u8ba9\u4f60\u4e86\u89e3\u6bcf\u4e2a\u6237\u53e3\u7684\u5f00\u6237\u6761\u4ef6\u3001\u8d39\u7528\u4ee5\u53ca\u4f18\u7f3a\u70b9\u5206\u6790\u7b49\uff0c\u4ee5\u4fbf\u4f60\u80fd\u591f\u4e3a\u5b69\u5b50\u505a\u51fa\u66f4\u52a0\u660e\u667a\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u513f\u7ae5\u94f6\u884c\u6237\u53e3\u7684\u4f18\u70b9<\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

\u513f\u7ae5\u94f6\u884c\u6237\u53e3\u65e0\u8bba\u662f\u5bf9\u5bb6\u957f\u8fd8\u662f\u5b69\u5b50\u6765\u8bf4\u90fd\u662f\u5f88\u6709\u5e2e\u52a9\u7684\uff0c\u800c\u4e14\u5b83\u8fd8\u5c5e\u4e8e\u9a6c\u6765\u897f\u4e9a\u5b58\u6b3e\u4fdd\u9669\u673a\u6784\uff08Perbadanan Insurans Deposit Malaysia\uff0cPIDM\uff09<\/a>\u7684\u4fdd\u969c\u8303\u56f4\uff0c\u5373\u4f7f\u94f6\u884c\u5012\u95ed\u6211\u4eec\u7684\u5b58\u6b3e\u4e5f\u53ef\u4ee5\u88ab\u8ffd\u56de\uff0c\u56e0\u6b64\u975e\u5e38\u7684\u53ef\u9760\uff0c\u90a3\u6211\u4eec\u73b0\u5728\u6765\u770b\u770b\u4ed6\u7684\u4f18\u70b9\uff1a<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u4e0e\u666e\u901a\u7684\u50a8\u84c4\u6237\u53e3\u76f8\u6bd4\u5229\u606f\u8f83\u9ad8<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

\u867d\u7136\u4e0d\u540c\u7684\u94f6\u884c\u63a8\u51fa\u7684\u513f\u7ae5\u94f6\u884c\u6237\u53e3\u63d0\u4f9b\u7684\u56de\u62a5\u7387\u4e0d\u540c\uff0c\u4f46\u662f\u5927\u90e8\u5206\u6bd4\u6210\u5e74\u4eba\u7684\u8d26\u6237\u66f4\u9ad8\uff0c\u4f8b\u5982 Maybank \u7684\u513f\u7ae5\u50a8\u84c4\u6237\u53e3 Yippie Savings Account \u53ef\u83b7\u5f97\u9ad8\u8fbe2.70%\u7684\u5229\u7387 \uff08\u5b58\u6b3e\u4e8e RM 50,000 \u4ee5\u4e0b\uff09\uff0c\u800c\u666e\u901a\u7684\u50a8\u84c4\u6237\u53e3 Basic Savings Account \u6700\u9ad8\u53ef\u83b7\u5f97 0.3%\u7684\u5229\u7387\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u6709\u989d\u5916\u4f18\u60e0<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

\u9664\u4e86\u4f5c\u4e3a\u5b69\u5b50\u65e5\u5e38\u50a8\u84c4\u7684\u8d26\u6237\u5916\uff0c\u4e00\u4e9b\u94f6\u884c\u8fd8\u6709\u63d0\u4f9b\u989d\u5916\u7684\u798f\u5229\uff0c\u4f8b\u5982\u5b66\u672f\u73b0\u91d1\u5956\u52b1\uff0c\u5982\u679c\u5b69\u5b50\u5728 SPM\uff0cSTPM\uff0c\u751a\u81f3\u5927\u5b66\u83b7\u5f97\u597d\u6210\u7ee9\u65f6\uff0c\u90fd\u4f1a\u83b7\u5f97\u989d\u5916\u7684\u73b0\u91d1\u5956\u52b1\u3002

\u6b64\u5916\uff0c\u6709\u4e9b\u94f6\u884c\u8fd8\u6709\u63d0\u4f9b\u989d\u5916\u7684\u4fdd\u9669\uff0c\u5176\u4e2d\u5305\u62ec\u514d\u8d39\u7684\u5bb6\u957f\u4ee5\u53ca\u5b69\u5b50\u7684\u4e2a\u4eba\u610f\u5916\u4f24\u5bb3\uff08PA\uff09\u4fdd\u9669\uff0c\u4fdd\u989d\u9ad8\u8fbeRM100,000\uff0c\u8fd8\u5305\u62ec\u4ee5\u4e0b\u5982\u533b\u7597\u548c\u4e27\u846c\u8d39\u7528\u7684\u5176\u4ed6\u798f\u5229\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u5f00\u6237\u95e8\u69db\u4f4e\uff0c\u6709\u7684\u751a\u81f3RM1\u5c31\u53ef\u4ee5\u5f00\u6237\u4e86<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

\u7531\u4e8e\u5b69\u5b50\u672c\u8eab\u6ca1\u6709\u4ec0\u4e48\u6536\u5165\u6765\u6e90\u7684\u60c5\u51b5\u4e0b\uff0c\u95e8\u69db\u4f4e\u5c31\u610f\u5473\u7740\u4ed6\u4eec\u4e5f\u6709\u673a\u4f1a\u4ece\u5c0f\u989d\u5f00\u59cb\u7ba1\u63a7\u50a8\u84c4\uff0c\u7136\u540e\u9010\u6e10\u589e\u52a0\u50a8\u84c4\u91d1\u989d\u3002\u5c24\u5176\u662f\u65b0\u5e74\u671f\u95f4\uff0c\u5b69\u5b50\u6536\u5230\u7684\u7ea2\u5305\u5c31\u7b97\u91d1\u989d\u4e0d\u5927\uff0c\u4e5f\u53ef\u4ee5\u5b58\u5230\u81ea\u5df1\u7684\u94f6\u884c\u91cc\u9762\uff0c\u57f9\u517b\u50a8\u84c4\u7684\u4e60\u60ef\u3002\u4f8b\u5982 RHB \u7684 Junior Savings Account\uff0c\u4ec5\u4ec5\u9700\u8981 RM1 \u5c31\u53ef\u4ee5\u5f00\u6237\u53e3\u4e86\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u513f\u7ae5\u50a8\u84c4\u6237\u53e3\u7684\u7f3a\u70b9<\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

\u867d\u7136\u513f\u7ae5\u50a8\u84c4\u6237\u53e3\u7684\u4f18\u70b9\u5f88\u591a\uff0c\u4f46\u662f\u6709\u51e0\u4e2a\u7f3a\u70b9\u662f\u5bb6\u957f\u548c\u5b69\u5b50\u4eec\u9700\u8981\u6ce8\u610f\u7684\uff1a<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u6709\u63d0\u6b3e\u6b21\u6570\u7684\u9650\u5236<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

\u4e0d\u540c\u7684\u94f6\u884c\u5bf9\u4e8e\u513f\u7ae5\u50a8\u84c4\u6237\u53e3\u7684\u53d6\u6b3e\u6709\u6b21\u6570\u9650\u5236\uff0c\u6bd4\u5982\u8bf4 CIMB \u7684JUNIOR SAVERS ACCOUNT \u4e00\u4e2a\u6708\u5185\u53ea\u80fd\u5230\u67dc\u53f0\u63d0\u6b3e\u4e00\u6b21\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u63d0\u6b3e\u65b9\u5f0f\u53d7\u9650<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

\u5927\u90e8\u5206\u7684\u513f\u7ae5\u50a8\u84c4\u8d26\u6237\u4e5f\u6ca1\u6709\u63d0\u4f9b\u501f\u8bb0\u5361\uff0c\u4f7f\u7528\u5b58\u6298\u7684\u5c45\u591a\uff0c\u4f7f\u7528\u4e0a\u4e0d\u662f\u8fd9\u4e48\u7684\u65b9\u4fbf\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u9a6c\u6765\u897f\u4e9a\u513f\u7ae5\u94f6\u884c\u6237\u53e3 TOP 5<\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

1. Maybank Yippie Savings Account<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

\u5229\u606f\uff1a<\/p>\n\n\n\n

– RM50,000 \u4ee5\u4e0b\u4e3a 2.70%
– RM50,000 \u4ee5\u4e0a\u4e3a 0.50%
\u6700\u4f4e\u5f00\u6237\u5165\u91d1\uff1aRM 1<\/p>\n\n\n\n

Maybank \u6240\u63a8\u51fa\u7684 Yippie Savings Account<\/a> \u662f\u7efc\u5408\u6027\u6700\u591a\u798f\u5229\u7684\u513f\u7ae5\u94f6\u884c\u50a8\u84c4\u6237\u53e3\uff0c\u4e0d\u4ec5\u4ec5\u5b58\u6b3e\u5229\u606f\u9ad8\u8fbe 2.70%\uff0c\u8fd8\u5305\u62ec\u76d1\u62a4\u4eba\u548c\u5b69\u5b50\u7684\u4eba\u8eab\u610f\u5916\u4fdd\u9669\uff0c\u4ee5\u53ca\u5b66\u672f\u73b0\u91d1\u5956\u52b1\u653f\u7b56\uff08\u9700\u7b26\u5408\u6761\u4ef6\uff09\u3002\u81ea2023\u5e741\u67081\u65e5\u8d77\uff0c\u65b0\u5f00\u8bbe\u7684 Yippie Savings Account \u4e5f\u5c06\u4eab\u6709\u989d\u5916\u7684 0.10% \u5e74\u5229\u606f\u5956\u91d1\u3002<\/p>\n\n\n\n

\"Maybank<\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u5f00\u6237\u6761\u4ef6\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5e74\u9f8418\u5c81\u4ee5\u4e0b\uff0c\u4e14\u76d1\u62a4\u4eba\u4e0d\u8d85\u8fc760\u5c81<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u7533\u8bf7\u5f00\u6237\u65b9\u5f0f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

\u9700\u5230\u9644\u8fd1\u7684\u67dc\u53f0\u505a\u7533\u8bf7\uff0c\u9700\u8981\u643a\u5e26\uff1a
1. \u5b69\u5b50\uff1a\u539f\u59cb\u51fa\u751f\u8bc1\u660e\u548cMyKid\uff08\u8eab\u4efd\u8bc1\uff09\u3002
2. \u7236\u6bcd\/\u76d1\u62a4\u4eba\uff1a\u9a6c\u6765\u897f\u4e9a\u4eba\u7684\u539f\u59cb\u8eab\u4efd\u8bc1\uff08IC\uff09\u548c\u5916\u56fd\u4eba\u7684\u62a4\u7167\uff08\u5bf9\u4e8e\u62a4\u7167\uff0c\u53ef\u80fd\u8fd8\u9700\u8981\u7684\u5176\u4ed6\u652f\u6301\u6587\u4ef6\u5305\u62ec\u6709\u6548\u7684\u5de5\u4f5c\/\u5b66\u751f\u8bb8\u53ef\u8bc1\u3001\u6709\u6548\u7684\u7b7e\u8bc1\u4ee5\u53ca\u96c7\u4e3b\/\u6559\u80b2\u673a\u6784\u7684\u786e\u8ba4\u4fe1<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u5229\u606f\u5982\u4f55\u8ba1\u7b97\uff1f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

Maybank Yippie Savings Account \u7684\u5229\u606f\u662f\u6839\u636e\u6211\u4eec\u7684\u5b58\u6b3e\u4f59\u989d\u6765\u8ba1\u7b97\u7684\uff0c\u5927\u81f4\u4e0a\u53ef\u4ee5\u5206\u4e3a\u4ee5\u4e0b\u4e24\u4e2a\u7b49\u7ea7\uff1a<\/p>\n\n\n\n

– RM50,000\u4ee5\u4e0b\u4e3a2.70%<\/strong>
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 10,000\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 10,000 x 2.7% = RM 270<\/p>\n\n\n\n

– RM50,000\u4ee5\u4e0a\u4e3a0.50%<\/strong>
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 50,001\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 50,001 x 0.5% = RM 250<\/p>\n\n\n\n

\u6b64\u5916\uff0c\u73b0\u5728\u8fd9\u4e2a\u6237\u53e3\u8fd8\u63d0\u4f9b\u4e86\u9650\u65f6\u4f18\u60e0<\/strong>\uff01\u81ea2023\u5e741\u67081\u65e5\u8d77\uff0c\u65b0\u7684 Yippie \u8d26\u6237\u6301\u6709\u4eba\u5c06\u6709\u8d44\u683c\u5728\u8d26\u6237\u5f00\u7acb\u540e\u7684\u6700\u591a12\u4e2a\u6708\u5185\uff08\u53732\u4e2a\u5229\u606f\u652f\u4ed8\u5468\u671f\uff0c\u53736\u670830\u65e5\u548c12\u670831\u65e5\uff09\u4eab\u53d7\u989d\u5916\u76840.10%\u5e74\u5229\u7387\u5956\u91d1\u5229\u606f\u3002<\/p>\n\n\n\n

\u5982\u4f55\u8981\u7b26\u5408\u8d44\u683c\uff0c\u5ba2\u6237\u5fc5\u987b\u5728\u6bcf\u4e2a6\u4e2a\u6708\u7684\u5229\u606f\u652f\u4ed8\u5468\u671f\u5185\uff0c\u5373\u4ece1\u67081\u65e5\u81f36\u670830\u65e5\uff0c\u4ee5\u53ca\u4ece7\u67081\u65e5\u81f312\u670831\u65e5\uff0c\u6839\u636e\u8d26\u6237\u5f00\u6237\u65e5\u671f\uff0c\u589e\u52a0\u81f3\u5c11RM1,000\u7684\u5e73\u5747\u6bcf\u65e5\u4f59\u989d\u3002<\/p>\n\n\n\n

\u5982\u679c\u4f60\u5728 2023\u5e749\u670825\u65e5\u5f00\u8bbe\u65b0\u7684 Yippie \u6237\u53e3\uff0c\u53ea\u8981\u7b26\u5408\u8d44\u683c\u6807\u51c6\uff0c\u4ece2023\u5e749\u670825\u65e5\u81f32023\u5e7412\u670831\u65e5\u7684\u7b2c\u4e00\u5468\u671f\uff0c\u4ee5\u53ca\u4ece2024\u5e741\u67081\u65e5\u81f32024\u5e746\u670830\u65e5\u7684\u7b2c\u4e8c\u5468\u671f\uff0c\u5c06\u6709\u8d44\u683c\u83b7\u5f97\u989d\u5916\u7684\u5956\u91d1\u5229\u606f\u3002\u8fc7\u4e86\u89c4\u5b9a\u65f6\u95f4\u540e\uff0c\u5c06\u4e0d\u518d\u5177\u6709\u83b7\u5f97\u5956\u91d1\u5229\u606f\u7684\u8d44\u683c\u3002<\/p>\n\n\n\n

\u5956\u91d1\u5229\u606f\u6700\u9ad8\u652f\u4ed8 RM 30,000 \u7684\u65e5\u5747\u4f59\u989d\uff08Average Daily Balance\uff0cADB\uff09\u589e\u957f\u3002\u65e5\u5747\u4f59\u989d\u7684\u610f\u601d\u662f\uff1a\u6bcf\u5929\u7684\u5b58\u6b3e\u4f59\u989d\u7684\u603b\u6570\uff0c\u9664\u4ee5\u5f53\u6708\u6216\u8005\u662f\u94f6\u884c\u7edf\u8ba1\u5468\u671f\u6bd4\u5982\u4ee5\u4e00\u4e2a\u5b63\u5ea6\u8ba1\u7b97\u7684\u5929\u6570\u3002<\/p>\n\n\n\n

\u8ba1\u7b97\u65b9\u5f0f\u5982\u4e0b\uff1a
\u5c0f\u660e\u4e8e2023\u5e749\u670825\u65e5\u5f00\u8bbe\u4e86\u4e00\u4e2a Yippie \u6237\u53e3\u3002\u622a\u81f32023\u5e7412\u670831\u65e5\uff0c\u5c0f\u660e\u7684\u65e5\u5747\u4f59\u989d\uff08Average Daily Balance\uff0cADB\uff09\u589e\u957f\u4e86 RM 12,000\u3002
\u5468\u671f 1 = 0.10% x RM 12,000 x 98 (25.09.23 – 31.12.23) \/365
= RM 3.22<\/p>\n\n\n\n

\u5c0f\u660e\u57282024\u5e7401\u670801\u65e5\u81f32024\u5e7406\u670830\u65e5\u671f\u95f4\u65e5\u5747\u6708\uff0c\u6301\u7eed\u589e\u957f\u4e86 RM18,000\uff08\u5373\u4e0a\u4e00\u4e2a\u5468\u671f\u4e2d\u6ce8\u518c\u7684\u65e5\u5747\u4f59\u989dAverage Daily Balance\uff0cADB\uff09\u3002
\u5468\u671f 2 = 0.10% x RM 18,000 x 182 (01.01.24 – 30.06.24) \/366
= RM 8.95<\/p>\n\n\n\n

\u5728\u6b64\u4e4b\u540e\uff0c\u5c0f\u660e\u5c31\u4e0d\u518d\u7b26\u5408\u9886\u53d6\u989d\u5916\u5229\u606f\u7684\u8d44\u683c\u3002<\/strong><\/p>\n\n\n\n

\u6240\u4ee5\u5047\u8bbe\u5c0f\u660e\u57282023\u5e749\u670825\u65e5\u958b\u6236\uff0c\u5b58\u6b3e\u603b\u51711\u5e74\u7684\u65f6\u95f4\uff0c\u6237\u53e3\u5171\u6709 RM 18,000\uff0c\u539f\u672c\u6237\u53e3\u57fa\u7840\u5229\u606f\u662f RM 18,000 x 2.7% = RM 486
\u8fd9 RM 486 \u7684\u57fa\u7840\u5229\u606f\u52a0\u4e0a\u7b26\u5408\u8d44\u683c\u6240\u9886\u53d6\u7684\u989d\u5916\u5229\u606f\u5956\u52b1\uff0c\u5373 RM 486 +\uff08RM 3.22 + RM8.95\uff09= RM 498.17\u3002
\u6240\u4ee5\u4e00\u5e74\u4e0b\u4f86\uff0c\u5c0f\u660e\u603b\u5171\u53ef\u4ee5\u83b7\u5f97 RM 498.17 \u7684\u5229\u606f\u6536\u76ca\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u8d39\u7528\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5f00\u6237\u6700\u4f4e\u5b58\u6b3e\uff1aRM 1
– \u7ef4\u6301\u8d26\u6237\u7684\u6700\u4f4e\u4f59\u989d\uff1aRM 1
– \u63d0\u524d\u5173\u95ed\u8d26\u6237\u6240\u9700\u8d39\u7528\uff08\u5f00\u62373\u4e2a\u6708\u5185\uff09\uff1aRM 20<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u989d\u5916\u4f18\u60e0\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5b66\u4e60\u73b0\u91d1\u5956\u52b1\uff1a<\/strong>\u5982\u679c\u5b69\u5b50\u7684\u5b66\u4e1a\u6210\u7ee9\u4f18\u5f02\uff0c\u5728\u6237\u53e3\u4f59\u989d\u4fdd\u6301\u6700\u4f4e RM1000 \u7684\u60c5\u51b5\u4e0b\uff0c\u53ef\u4ee5\u7533\u8bf7\u73b0\u91d1\u5956\u52b1\uff0c\u5177\u4f53\u6761\u4ef6\u5982\u4e0b
– SPM\u8003\u83b7 8As \/ A+\uff1a\u53ef\u83b7\u5f97RM200\u7684\u5956\u52b1
– STPM\/A-Levels\u8003\u83b75As \/ 4As \u548c MUET Grade 6\uff1a\u53ef\u83b7\u5f97RM300\u7684\u5956\u52b1
– University Degree\u8003\u83b71st Class Honours\uff1a\u53ef\u83b7\u5f97RM500\u7684\u5956\u52b1
*\u5728\u6210\u7ee9\u516c\u5e03\u540e\u9700\u53bb\u586b\u8868<\/a>\u7533\u8bf7<\/p>\n\n\n\n

– \u4fdd\u9669\u4fdd\u969c\uff1a<\/strong>\u5f00\u8bbe\u6237\u53e3\u540e\uff0cYippie Savings Account \u5728\u7ef4\u6301\u6700\u5c11 RM 1000 \u4f59\u989d\u7684\u65f6\u5019\uff0c\u4e5f\u4e3a\u7236\u6bcd\/\u6cd5\u5b9a\u76d1\u62a4\u4eba\u548c\u5b69\u5b50\u63d0\u4f9b\u9ad8\u8fbe RM 100,000 \u7684\u514d\u8d39\u4eba\u8eab\u610f\u5916\u4fdd\u9669 (Personal Accident\uff0cPA) \uff1a
– \u5b58\u6b3eRM1,000 \u2013 RM5,000\uff1a\u6700\u9ad8RM30,000 ; \u621610\u500d\u5b58\u6298\u4f59\u989d\uff08\u89c6\u4f55\u8005\u4e3a\u4f4e\uff09
– \u5b58\u6b3eRM5,000 \u2013 RM10,000\uff1a\u6700\u9ad8RM70,000 ; \u621610\u500d\u5b58\u6298\u4f59\u989d\uff08\u89c6\u4f55\u8005\u4e3a\u4f4e\uff09
– \u5b58\u6b3eRM10,000\u4ee5\u4e0a\uff1a\u6700\u9ad8RM100,000 ; \u621610\u500d\u5b58\u6298\u4f59\u989d\uff08\u89c6\u4f55\u8005\u4e3a\u4f4e\uff09<\/p>\n\n\n\n

\u56e0\u610f\u5916\u4e8b\u6545\u53ef\u7533\u8bf7\u8d54\u4ed8 RM1,000\uff0c\u4ee5\u53ca\u610f\u5916\u4e27\u846c\u7684\u8d39\u7528\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

2. RHB Junior Savings Account<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

RHB bank \u7684 Junior Savings Account<\/a>\u63d0\u4f9b\u4e86\u9ad8\u8fbe2.60%\u7684\u5229\u606f\u4ee5\u53ca\u4fdd\u9669\u798f\u5229\u3002\u4e0d\u540c\u4e8e\u5176\u4ed6\u6237\u53e3\uff0cRHB Bank\u4e5f\u5141\u8bb8\u4f60\u4e3a\u5b69\u5b50\u7533\u8bf7debit card\uff0c\u57f9\u517b\u5b69\u5b50\u7684\u72ec\u7acb\u6027\u548c\u81ea\u4e3b\u7ba1\u7406\u80fd\u529b\uff0c\u540c\u65f6\u8fd8\u80fd\u5e2e\u52a9\u5bb6\u957f\u76d1\u63a7\u5b69\u5b50\u7684\u6d88\u8d39\uff0c\u6210\u4e3a\u6559\u80b2\u5b69\u5b50\u7684\u7406\u8d22\u5de5\u5177\u3002<\/p>\n\n\n\n

\"RHB<\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u5f00\u6237\u6761\u4ef6\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u4fe1\u6258\u8d26\u6237\uff08Trust Account\uff09\uff1a\u9002\u7528\u4e8e\u5e74\u9f84\u4ecb\u4e8e30\u5929\u523012\u5c81\u4e4b\u95f4\u7684\u4e2a\u4eba\uff08\u9700\u7531\u5e74\u6ee118\u5c81\u53ca\u4ee5\u4e0a\u7684\u7236\u6bcd\u6216\u6cd5\u5b9a\u76d1\u62a4\u4eba\u4e00\u8d77\u5f00\u6237\uff09\u3002
– \u5e7c\u513f\u8d26\u6237\uff08Minor Account\uff09: \u9002\u7528\u5e74\u9f84\u4ecb\u4e8e12\u81f318\u5c81\u4e4b\u95f4\u7684\u4e2a\u4eba\uff08\u9700\u7531\u5e74\u6ee118\u5c81\u53ca\u4ee5\u4e0a\u7684\u7236\u6bcd\u6216\u6cd5\u5b9a\u76d1\u62a4\u4eba\u966a\u540c\uff09\u3002
– \u8054\u540d\u6237\u53e3\uff08Joint Account\uff09: \u9002\u7528\u4e8e\u5e74\u9f84\u4ecb\u4e8e12\u81f318\u5c81\u4e4b\u95f4\u7684\u4e2a\u4eba\uff08\u9700\u7531\u5e74\u6ee118\u5c81\u53ca\u4ee5\u4e0a\u7684\u7236\u6bcd\u6216\u6cd5\u5b9a\u76d1\u62a4\u4eba\u4e00\u8d77\u5f00\u6237\uff09\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u7533\u8bf7\u5f00\u6237\u65b9\u5f0f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

\u9700\u5230\u9644\u8fd1\u7684\u67dc\u53f0\u505a\u7533\u8bf7\uff0c\u9700\u8981\u643a\u5e26\uff1a
1. \u5b69\u5b50\uff1aMyKid\uff08\u8eab\u4efd\u8bc1\uff09\u548c\u624b\u673a\u53f7\u7801\u7684\u6240\u6709\u6743\u8bc1\u660e\uff08\u4f8b\u5982\uff1a\u7535\u8bdd\u8d39\u8fd8\u6b3e\u8bb0\u5f55\uff09\u3002
2. \u7236\u6bcd\/\u76d1\u62a4\u4eba\uff1a\u9a6c\u6765\u897f\u4e9a\u4eba\u7684\u539f\u59cb\u8eab\u4efd\u8bc1\uff08IC\uff09\u548c\u5916\u56fd\u4eba\u7684\u62a4\u7167\uff08\u5bf9\u4e8e\u62a4\u7167\uff0c\u53ef\u80fd\u8fd8\u9700\u8981\u7684\u5176\u4ed6\u652f\u6301\u6587\u4ef6\u5305\u62ec\u6709\u6548\u7684\u5de5\u4f5c\/\u5b66\u751f\u8bb8\u53ef\u8bc1\u3001\u6709\u6548\u7684\u7b7e\u8bc1\u4ee5\u53ca\u96c7\u4e3b\/\u6559\u80b2\u673a\u6784\u7684\u786e\u8ba4\u4fe1<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u5229\u606f\u5982\u4f55\u8ba1\u7b97\uff1f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– RM50,000\u4ee5\u4e0b\u4e3a2.60%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 10,000\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 10,000 x 2.6% = RM 260<\/p>\n\n\n\n

– RM50,000\u4ee5\u4e0a\u4e3a0.55%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 50,001\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 50,001 x 0.55% = RM 275<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u8d39\u7528\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5f00\u6237\u6700\u4f4e\u5b58\u6b3e\uff1aRM 1
– \u7ef4\u6301\u8d26\u6237\u7684\u6700\u4f4e\u4f59\u989d\uff1aRM 1
– \u63d0\u524d\u5173\u95ed\u8d26\u6237\u6240\u9700\u8d39\u7528\uff08\u5f00\u62373\u4e2a\u6708\u5185\uff09\uff1aRM 20
– \u7533\u8bf7\u501f\u8a18\u5361\uff08Debit card\uff09\uff1a\u5e74\u8d39 RM 12
*\u8be5\u8d26\u6237\u63a8\u8350\u7684\u501f\u8bb0\u5361\u4e3aRHB Visa Debit Card\uff0c\u9002\u7528\u4e8e\u5e74\u9f84\u4ecb\u4e8e12\u81f318\u5c81\u4e4b\u95f4\u7684\u672a\u6210\u5e74\u8d26\u6237\uff0c\u6216\u4e0e\u5e74\u9f84\u572818\u5c81\u53ca\u4ee5\u4e0a\u7684\u7236\u6bcd\/\u76d1\u62a4\u4eba\u4e00\u540c\u5f00\u8bbe\u8054\u540d\u8d26\u6237\u7684\u672a\u6210\u5e74\u4eba\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u989d\u5916\u4f18\u60e0\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u4fdd\u9669\u4fdd\u969c\uff1a
\u5f00\u8bbe\u6237\u53e3\u540e\uff0c\u53ea\u8981\u5728 RHB Junior Savings Account \u5728\u7ef4\u6301\u6700\u5c11 RM 500 \u4f59\u989d\u7684\u65f6\u5019\uff0c\u5c06\u4eab\u6709\u9ad8\u8fbe RM 50,000 \u7684\u514d\u8d39\u4eba\u8eab\u610f\u5916\u4fdd\u9669 (Personal Accident\uff0cPA) \u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

3. Bank of China Panda Junior Dual Currency Savings Account<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

Bank of China \u6240\u63a8\u51fa\u7684 Panda Junior Dual Currency Savings Account<\/a> \u6709\u4e2a\u7279\u70b9\uff0c\u90a3\u5c31\u662f\u53cc\u5e01\u79cd\u50a8\u84c4\u8d26\u6237\uff1a\u9a6c\u5e01\u4e0e\u4eba\u6c11\u5e01\u3002\u8fd9\u4e2a\u8d26\u6237\u7279\u522b\u9002\u5408\u51c6\u5907\u5230\u4e2d\u56fd\u65c5\u884c\u6216\u8005\u672a\u6765\u6709\u5230\u4e2d\u56fd\u5347\u5b66\u6253\u7b97\u7684\u5bb6\u5ead\uff0c\u800c\u4e14\u5b83\u4e5f\u6709\u63d0\u4f9b\u5b66\u672f\u73b0\u91d1\u5956\u52b1\uff0c\u53ea\u8981\u5728 SPM \u548c UEC\uff08\u72ec\u4e2d\u7edf\u8003\uff09\u8003\u8bd5\u6210\u7ee9\u4f18\u5f02\u7684\u5b69\u5b50\uff0c\u90fd\u53ef\u4ee5\u7533\u8bf7\u3002<\/p>\n\n\n\n

\"Bank<\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u5f00\u6237\u6761\u4ef6\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5e74\u9f84\u4e8e18\u5c81\u4ee5\u4e0b\u7684\u516c\u6c11
-\u6301\u6709\u9a6c\u6765\u897f\u4e9a\u6211\u7684\u7b2c\u4e8c\u5bb6\u56ed\u7b7e\u8bc1\u6216\u5b66\u751f\u7b7e\u8bc1\u7684\u975e\u5c45\u6c11\u5c0f\u5b69<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u7533\u8bf7\u5f00\u6237\u65b9\u5f0f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

\u9700\u5230\u9644\u8fd1\u7684\u67dc\u53f0\u505a\u7533\u8bf7\uff0c\u9700\u8981\u643a\u5e26\u7684\u8d44\u6599\u5982\u4e0b\uff1a<\/p>\n\n\n\n

\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u5229\u606f\u5982\u4f55\u8ba1\u7b97\uff1f<\/strong>\uff1a<\/h4>\n\n\n\n

<\/p>\n\n\n\n

\u9a6c\u5e01\uff1a
– RM 150,000 \u4ee5\u4e0b\u4e3a 2.90%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 10,000\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u80fd\u5f97\u5230\u7684\u5229\u606f\u662f RM 10,000 x 2.9% = RM 290<\/p>\n\n\n\n

– RM 150,000\u4ee5\u4e0a\u4e3a 1.00%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 150,001\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u80fd\u5f97\u5230\u7684\u5229\u606f\u662f RM 150,001 x 1.0% = RM 1500.01<\/p>\n\n\n\n

\u4eba\u6c11\u5e01\uff1a
– CNY300,000 \u4ee5\u4e0b\u4e3a1.50%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 CNY 10,000\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u80fd\u5f97\u5230\u7684\u5229\u606f\u662f CNY 10,000 x 1.5% = CNY 150<\/p>\n\n\n\n

– CNY300,000 \u4ee5\u4e0a\u4e3a 1.00% 
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 CNY 300,001\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u80fd\u5f97\u5230\u7684\u5229\u606f\u662f CNY 300,001 x 1.0% = CNY 3000.01<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u8d39\u7528\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5f00\u6237\u6700\u4f4e\u5b58\u6b3e\uff1aRM20\/CNY100
– \u7ef4\u6301\u8d26\u6237\u7684\u6700\u4f4e\u4f59\u989d\uff1aRM20 \/ CNY40<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u989d\u5916\u4f18\u60e0\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5b66\u672f\u4f18\u5f02\u5956\u52b1\uff1a<\/strong>\u5982\u679c\u5b69\u5b50\u7684\u5b66\u4e1a\u6210\u7ee9\u4f18\u5f02\uff0c\u5728\u6237\u53e3\u5df2\u5f00\u8bbe\u81f3\u5c116\u4e2a\u6708\uff0c\u5e76\u4e14\u4f59\u989d\u4fdd\u6301\u6700\u4f4e RM 1500\/CNY 3000 \u7684\u60c5\u51b5\u4e0b\uff0c\u53ef\u4ee5\u7533\u8bf7\u73b0\u91d1\u5956\u52b1\uff0c\u5177\u4f53\u6761\u4ef6\u5982\u4e0b
– UEC\uff08\u521d\u4e2d\u7ec4\uff09\u8003\u83b7 7As \uff1a\u53ef\u83b7\u5f97 RM200\u7684\u5956\u52b1
– SPM\/UEC\uff08\u9ad8\u4e2d\u7ec4\uff09\u8003\u83b7 8As \uff1a\u53ef\u83b7\u5f97 RM300\u7684\u5956\u52b1
*\u5404\u7ec4\u5956\u52b1\u4ec5\u4f9b\u524d50\u4f4d\u6765\u7533\u8bf7\u7684\u7528\u6237\uff0c\u5bb6\u957f\/\u76d1\u62a4\u4eba\u9700\u5728\u8003\u8bd5\u6210\u7ee9\u516c\u5e03\u540e\u76841\u4e2a\u6708\u5185\uff0c\u8fde\u540c\u672a\u6210\u5e74\u4eba\u7684\u539f\u59cb\u8003\u8bd5\u6210\u7ee9\u5355\uff08SPM\u548cUEC\uff09\uff0c\u4e00\u540c\u63d0\u4ea4\u7533\u8bf7\u8868\u683c\u81f3\u5f00\u6237\u5206\u884c\u3002\u7533\u8bf7\u7ed3\u679c\u4f1a\u6709\u90ae\u4ef6\u901a\u77e5\uff0c\u5e76\u4f1a\u572821\u5929\u5185\u5904\u7406\u5b8c\u6210\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

4. Alliance Bank: Alliance BuddyTM Account<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

Alliance Bank \u7684 Alliance BuddyTM Account<\/a> \u7684\u513f\u7ae5\u50a8\u84c4\u6237\u53e3\u867d\u7136\u6ca1\u6709\u4fdd\u9669\u798f\u5229\u6216\u8005\u662f\u5b66\u672f\u73b0\u91d1\u5956\u52b1\uff0c\u4f46\u662f\u4ed6\u6709\u4e00\u4e2a\u7279\u522b\u7684\u4f18\u60e0\uff0c\u90a3\u5c31\u662f\u5728\u6ee1\u8db3\u7279\u5b9a\u6761\u4ef6\u4e0b\uff0c\u53ef\u4ee5\u83b7\u5f97\u5168\u5e7410%\u7684\u603b\u5229\u606f\u6536\u76ca\u3002<\/p>\n\n\n\n

\"Alliance<\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u5f00\u6237\u6761\u4ef6\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u9002\u7528\u4e8e\u5e74\u9f8418\u5c81\u4ee5\u4e0b\u7684\u4e2a\u4eba<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u7533\u8bf7\u5f00\u6237\u65b9\u5f0f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

\u9700\u5230\u9644\u8fd1\u7684\u67dc\u53f0\u505a\u7533\u8bf7\uff08\u7531\u4e8e\u5b98\u7f51\u6ca1\u6709\u5177\u4f53\u8bf4\u660e\u9700\u8981\u5e26\u4ec0\u4e48\u8bc1\u4ef6\uff0c\u6240\u4ee5\u5982\u679c\u62c5\u5fc3\u7684\u8bdd\u53ef\u4ee5\u81f4\u7535\u8fc7\u53bb\u8be2\u95ee\uff09<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u5229\u606f\u5982\u4f55\u8ba1\u7b97\uff1f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– RM 50,000\u4ee5\u4e0b\u4e3a2.75%<\/strong>
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 10,000\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 10,000 x 2.75% = RM 275<\/p>\n\n\n\n

– RM 50,000\u4ee5\u4e0a\u4e3a0%<\/strong>
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 50,001\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 50,001 x 0% = RM 0<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u989d\u5916\u5229\u606f\u4f18\u60e0\uff1a<\/strong><\/h4>\n\n\n\n


\u5982\u679c\u4f60\u60f3\u83b7\u5f97\u989d\u5916\u768410%\u5229\u606f\uff0c\u9700\u6ee1\u8db3\u4ee5\u4e0b\u6761\u4ef6\uff1a
1. \u8fde\u7eed\u5341\u4e8c\uff0812\uff09\u4e2a\u6708\u5185\u672a\u8fdb\u884c\u4efb\u4f55\u63d0\u6b3e
2. \u8fde\u7eed\u5341\u4e8c\u4e2a\u6708\u6bcf\u6708\u81f3\u5c11\u5b58\u5165\u603b\u989dRM100
*\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u8fd910%\u7684\u5229\u606f\u6307\u7684\u662f\u5728\u6211\u4eec\u83b7\u5f97\u7684\u603b\u5229\u606f\u4e2d\u989d\u5916\u5f97\u523010%\u7684\u5956\u52b1\u3002<\/p>\n\n\n\n

\u4e3e\u4f8b\u800c\u8a00\uff0c\u5047\u8bbe\u5c0f\u660e\u5b8c\u6210\u4e86\u4ee5\u4e0a\u6761\u4ef6\uff0c\u76ee\u524d\u6237\u53e3\u5171\u6709 RM 40,000
\u6237\u53e3\u57fa\u7840\u5229\u606f\u662f RM 40,000 x 2.75% = RM 1,100
\u8fd9 RM 1,100 \u7684\u57fa\u7840\u5229\u606f\u5c06\u6709\u8d44\u683c\u83b7\u5f97\u989d\u5916 10%\u7684\u5956\u52b1\uff0c\u5373 RM 1,100 x 10% = RM 110\u3002\u6240\u4ee5\u5c0f\u660e\u603b\u5171\u53ef\u4ee5\u83b7\u5f97 RM 1,200 \u7684\u5229\u606f\u6536\u76ca\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u8d39\u7528\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5f00\u6237\u6700\u4f4e\u5b58\u6b3e\uff1a\u9996\u6b21\u5165\u91d1\u9700 RM 50
– \u7ef4\u6301\u8d26\u6237\u7684\u6700\u4f4e\u4f59\u989d\uff1aRM 1
– \u63d0\u524d\u5173\u95ed\u8d26\u6237\u6240\u9700\u8d39\u7528\uff08\u5f00\u62373\u4e2a\u6708\u5185\uff09\uff1aRM 20<\/p>\n\n\n\n

<\/p>\n\n\n\n

5. CIMB Junior Savers Account<\/strong><\/h3>\n\n\n\n

<\/p>\n\n\n\n

CIMB bank \u7684 Junior Savers Account<\/a> \u7684\u513f\u7ae5\u50a8\u84c4\u6237\u53e3\u529f\u80fd\u76f8\u8f83\u4e8e\u524d\u51e0\u4e2a\u76f8\u5bf9\u6bd4\u8f83\u5355\u4e00\uff0c\u4ec5\u4ec5\u662f\u4f5c\u4e3a\u50a8\u84c4\u7528\u9014\u3002\u8981\u6ce8\u610f\u7684\u662f\uff0c\u8fd9\u4e2a\u513f\u7ae5\u50a8\u84c4\u6237\u53e3\u6bcf\u6708\u53ea\u5141\u8bb81\u6b21\u67dc\u53f0\u53d6\u6b3e\uff0c\u4f46\u65e0\u8bbe\u5b9a\u9650\u989d\uff0c\u4e5f\u6ca1\u6709\u501f\u8bb0\u5361\u7684\u9009\u9879\uff0c\u800c\u8fd9\u4e2a\u8d26\u53f7\u662f\u4e0e\u7236\u6bcd\u6216\u76d1\u62a4\u4eba\u7684CIMB Clicks ID\u76f8\u8fde\u63a5\u7684\uff0c\u66f4\u65b9\u4fbf\u7ba1\u7406\u5b69\u5b50\u7684\u8d22\u52a1\u72b6\u51b5\u3002<\/p>\n\n\n\n

\"CIMB<\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u5f00\u6237\u6761\u4ef6\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

\u5e74\u9f8412\u5c81\u4ee5\u4e0b\u7684\u4e2a\u4eba
*\u4e00\u65e6\u5e74\u6ee118\u5c81\uff0c\u8be5\u8d26\u6237\u5c06\u81ea\u52a8\u8f6c\u4e3aCIMB\u7684\u50a8\u84c4\u8d26\u6237<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u7533\u8bf7\u5f00\u6237\u65b9\u5f0f\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

\u9700\u5230\u9644\u8fd1\u7684\u67dc\u53f0\u505a\u7533\u8bf7\uff0c\u9700\u8981\u643a\u5e26\uff1a<\/p>\n\n\n\n

1.\u51fa\u751f\u8bc1\u660e\uff08\u62a5\u751f\u7eb8\uff09\/MyKid\uff0c\u4ee5\u53ca\u7531\u56fd\u5bb6\u767b\u8bb0\u5c40\u8ba4\u8bc1\u7684\u82af\u7247\u8be6\u7ec6\u4fe1\u606f\uff08Maklumat dalam Cip\uff09\u526f\u672c
2. \u7236\u6bcd\u6216\u76d1\u62a4\u4eba\u7684\u8eab\u4efd\u8bc1\uff08NRIC\uff09\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u5229\u606f\u5982\u4f55\u8ba1\u7b97?\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– RM50,000\u4ee5\u4e0b\u4e3a2.60%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 10,000\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 10,000 x 2.6% = RM 260<\/p>\n\n\n\n

– RM50,000.01\u81f3 RM100,000\u4e3a0.95%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 50,001\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 50,001 x 0.95% = RM 475<\/p>\n\n\n\n

– RM100,000\u4ee5\u4e0a\u4e3a1.45%
\u5047\u8bbe\u4f60\u7684\u5b58\u6b3e\u6709 RM 100,001\uff0c \u90a3\u4e48\u4f60\u4e00\u5e74\u7684\u5229\u606f RM 100,001 x 1.45% = RM 1450.01<\/p>\n\n\n\n

\u4f18\u60e0\u5229\u7387<\/strong><\/a>\uff1a<\/strong>\u53ea\u8981\u900f\u8fc7\u5b9a\u671f\u4ed8\u6b3e\u6307\u793a\uff08PPI\uff09\uff0c\u6700\u4f4e\u6bcf\u6708\u5b58\u5165RM100\uff0c\u5373\u53ef\u4eab\u53d7\u603b\u5229\u606f\u6536\u76ca\u9ad8\u8fbe100%\u7684\u5956\u91d1\u5229\u606f<\/p>\n\n\n\n

\u4f8b\u5b50\uff1a\u5047\u8bbe\u60a8\u7684\u5b58\u6b3e\u4e3aRM 10,000\uff0c\u5e74\u5229\u7387\u4e3a2.6%\uff0c\u90a3\u4e48\u4e00\u5e74\u7684\u5229\u606f\u8ba1\u7b97\u5982\u4e0b\uff1a
\u5e74\u5229\u606f = \u5b58\u6b3e\u91d1\u989d x \u5e74\u5229\u7387
\u5e74\u5229\u606f = RM 10,000 x 2.6% = RM 260<\/p>\n\n\n\n

\u63a5\u4e0b\u6765\uff0c\u5982\u679c\u6bcf\u4e2a\u6708\u989d\u5916\u5b58\u5165RM 100\uff0c\u5e76\u6301\u7eed\u4e00\u5e74\uff0c\u90a3\u4e48\u60a8\u7684\u672c\u91d1\u5c06\u6309\u4ee5\u4e0b\u65b9\u5f0f\u8ba1\u7b97\uff1a
\u6bcf\u6708\u989d\u5916\u5b58\u6b3e = RM 100
\u4e00\u5e74\u517112\u4e2a\u6708\uff0c\u6240\u4ee5\u989d\u5916\u5b58\u6b3e\u603b\u989d = RM 100 x 12 = RM 1,200
\u73b0\u5728\u4e0e\u5b58\u6b3e\u76f8\u52a0\uff0cRM 10,000 + RM 1,200 = RM 11,200
\u5229\u606f\u4e3a RM 11,200 x 2.6% = RM 291.20<\/p>\n\n\n\n

\u5728\u7b26\u5408\u6761\u4ef6\u7684\u60c5\u6cc1\u4e0b\uff0c\u53ef\u83b7\u5f97100%\u7684\u5956\u91d1\u5229\u606f
\u6240\u4ee5\u603b\u5229\u606f\u4e3a RM 291.20 + RM 291.20 = RM 582.40<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u8d39\u7528\uff1a<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

– \u5f00\u6237\u6700\u4f4e\u5b58\u6b3e\uff1a\u521d\u6b21\u5165\u91d1\u9700RM100
– \u7ef4\u6301\u8d26\u6237\u7684\u6700\u4f4e\u4f59\u989d\uff1aRM 20
– \u63d0\u524d\u5173\u95ed\u8d26\u6237\u6240\u9700\u8d39\u7528\uff08\u5f00\u62373\u4e2a\u6708\u5185\uff09\uff1aRM 20<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u513f\u7ae5\u50a8\u84c4\u6237\u53e3 Junior Savings Account \u5927\u5bf9\u6bd4<\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

<\/td>\u5e74\u9f84\u9650\u5236<\/strong><\/td>\u6700\u4f4e\u5165\u91d1<\/strong><\/td>\u5229\u606f<\/strong><\/td>\u6700\u4f4e\u4f59\u989d<\/strong><\/td>\u7279\u6b8a\u798f\u5229<\/strong><\/td><\/tr>
Maybank Yippie Savings Account<\/a><\/td>18\u5c81\u4ee5\u4e0b
*\u76d1\u62a4\u4eba\u5e74\u9f84\u4e0d\u5f97\u8d85\u8fc760\u5c81<\/td>		RM 1<\/td>– RM50,000\u4ee5\u4e0b\u4e3a2.70%
– RM50,000\u4ee5\u4e0a\u4e3a0.50%<\/td>		RM 1<\/td>– \u989d\u5916\u76840.10%\u5e74\u5229\u7387\u5956\u91d1\u5229\u606f-\u4e3a\u7236\u6bcd\/\u6cd5\u5b9a\u76d1\u62a4\u4eba\u548c\u5b69\u5b50\u63d0\u4f9b\u9ad8\u8fbe RM 100,000 \u7684\u514d\u8d39\u4eba\u8eab\u610f\u5916\u4fdd\u9669 (PA) \u5305\u62ec\u533b\u836f\u8d39\u548c\u4e27\u846c\u8d39- \u5b66\u672f\u73b0\u91d1\u5956\u52b1<\/td><\/tr>
RHB Junior Savings Account<\/a><\/td>30\u5929\u523018\u5c81\u4ee5\u4e0b
<\/td>		RM 1<\/td>– RM50,000\u4ee5\u4e0b\u4e3a2.60%
– RM50,000\u4ee5\u4e0a\u4e3a0.55%<\/td>		RM 1<\/td>– \u514d\u8d39\u7684\u4e2a\u4eba\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\uff0c\u4fdd\u989d\u9ad8\u8fbe RM50,000\uff08\u524d\u63d0\u662f\u8d26\u6237\u4f59\u989d\u6700\u5c11\u6709RM500\uff09<\/td><\/tr>
Bank of China Panda Junior Dual Currency Savings Account<\/a><\/td>18\u5c81\u4ee5\u4e0b<\/td>RM 20 \u6216CNY 100<\/td>\u9a6c\u5e01\uff1a
– RM 150,000 \u4ee5\u4e0b\u4e3a 2.90%
– RM 150,000\u4ee5\u4e0a\u4e3a 1.00%
\u4eba\u6c11\u5e01\uff1a
– CNY300,000 \u4ee5\u4e0b\u4e3a1.50%
– CNY300,000 \u4ee5\u4e0b\u4e3a1.00% <\/td>		RM 20 \u6216CNY 40<\/td>– \u53cc\u5e01\u79cd\u50a8\u84c4\u8d26\u6237\uff08\u9a6c\u5e01\u4e0e\u4eba\u6c11\u5e01\uff09- \u5b66\u672f\u73b0\u91d1\u5956\u52b1<\/td><\/tr>
Alliance Bank: Alliance BuddyTM Account<\/a><\/td>18\u5c81\u4ee5\u4e0b<\/td>RM 50<\/td>– RM 50,000\u4ee5\u4e0b\u4e3a2.75%
– RM50,000\u4ee5\u4e0a\u4e3a0%<\/td>		RM 1<\/td>– \u5168\u5e74\u603b\u5229\u606f\u6536\u76ca\u768410%\u5956\u91d1\u5229\u6da6\uff08\u7b26\u5408\u6761\u4ef6\u7684\u60c5\u51b5\u4e0b\uff09<\/td><\/tr>
CIMB Junior Savers Account<\/a><\/td>12\u5c81\u4ee5\u4e0b*\u4e00\u65e6\u5e74\u6ee118\u5c81\uff0c\u8be5\u8d26\u6237\u5c06\u81ea\u52a8\u8f6c\u4e3a\u50a8\u84c4\u8d26\u6237<\/td>\u521d\u6b21\u5165\u91d1\u9700RM100<\/td>– RM 50,000\u4ee5\u4e0b\u4e3a2.60%
– RM50,000.01\u81f3 RM100,000\u4e3a0.95%
– RM 100,000\u4ee5\u4e0a\u4e3a1.45%<\/td>		RM 20<\/td>-\u603b\u5229\u606f\u6536\u76ca\u9ad8\u8fbe100%\u7684\u5956\u91d1\u5229\u606f<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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\u603b\u7ed3<\/strong><\/h2>\n\n\n\n

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\u8d22\u5bcc\u4e0d\u4f1a\u4ece\u5929\u800c\u964d\uff0c\u5177\u5907\u201c\u6709\u94b1\u4eba\u7684\u4e60\u60ef\u201d\uff0c\u57f9\u517b\u5b69\u5b50\u7684\u8d22\u5546\u624d\u662f\u7559\u7ed9\u5b69\u5b50\u6700\u5927\u7684\u9057\u4ea7\u3002<\/p>\n\n\n\n

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\u5ef6\u4f38\u9605\u8bfb<\/strong><\/h2>\n\n\n\n

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2023 \u5e74\u9a6c\u6765\u897f\u4e9a\u50a8\u84c4\u6237\u53e3\u5229\u606f\u6700\u9ad8 TOP 5\uff01\u5229\u606f6.15% \u5ab2\u7f8e FD\uff01<\/strong><\/a><\/p>\n\n\n\n

\u9a6c\u6765\u897f\u4e9a\u6700 BEST Salary Account TOP 5! \u51fa\u7cae\u6237\u53e3\u6709\u4ec0\u4e48\u597d\u5904\u548c\u4f18\u60e0\uff1f\u6253\u5de5\u65cf\u5fc5\u770b\uff01<\/a><\/strong><\/p>\n\n\n\n

\u5bb6\u957f\u5fc5\u770b\uff1a\u9a6c\u6765\u897f\u4e9a\u6700\u597d\u7684\u513f\u7ae5\u94f6\u884c\u6237\u53e3 Junior Savings Account TOP 5\uff01<\/strong><\/a><\/p>\n\n\n\n

\u600e\u4e48\u4e0a\u7f51\u5f00\u94f6\u884c\u6237\u53e3\uff1f\u9a6c\u6765\u897f\u4e9a\u4ec0\u4e48\u94f6\u884c\u53ef\u4ee5\u7f51\u4e0a\u5f00\u6237\uff1f<\/strong><\/a><\/p>\n\n\n\n

\u99ac\u4f86\u897f\u4e9e2023\u5e7411\u6708\u54ea\u4e2a\u94f6\u884c\u5b9a\u671f\u5b58\u6b3eFD\u5229\u7387\u9ad8\uff1f\u5168\u7db2\u6700\u516811\u6708\u5b9a\u671f\u5b58\u6b3e\u512a\u60e0<\/strong><\/a><\/p>\n\n\n\n

\u5916\u5e01\u5b9a\u671f\u5b58\u6b3e\uff08FCFD\uff09\u548c\u666e\u901aFD\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\u9a6c\u5e01\u8d2c\u503c\uff0c\u8fd9\u662f\u6700\u5b89\u5168\u7684\u8d5a\u5916\u6c47\u65b9\u6cd5\uff01<\/strong><\/a><\/p>\n\n\n\n

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\u514d\u8d23\u58f0\u660e<\/strong><\/h2>\n\n\n\n

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