Raymond Sim Yu Xin
Editor, Rates.my
Raymond built Rates.my and reviews Malaysia's fixed deposit, gold, petrol and loan rates on it every day. It's an independent comparison tool — up-to-date numbers you can verify yourself, not financial advice.
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Articles by Raymond
- Boost Bank's 4% Savings Rate Comes With a RM3,000 Ceiling
- Malaysian Finance Calendar: 7–13 September 2026
- Heineken Malaysia and Carlsberg Shares Are Crashing. Is Hyrox to Blame?
- Bank Negara Holds OPR at 2.75% — Which FD Promos Still Beat It
- Zetrix Bhd: Is the Crash Over?
- CIMB's New eFD-i Campaign: 12-Month Rate Rises to 3.75%
- Butterfield FB IPO Closes for Applications 2 September
- Hengyuan Pays Its First Dividend Since 2022, Hibiscus Its Biggest Ever
- Pioneer Heat Holdings IPO: 25 Sen ACE Market Listing, Applications Close 3 September
- Malaysian Finance Calendar: 31 August – 6 September 2026
- Robinhood Chain Explained: $944m Volume Days, the FOMO App, and the PONS, INDEX, CASHCAT Token Zoo
- GTA Holdings IPO Oversubscribed 22.16 Times Ahead of 8 September ACE Market Debut
- SRKK AI IPO Review: 312.3× Oversubscribed — Bursa's Hottest 2026 Debut, Still Up 78%
- Petrol Price Malaysia This Week: RON95 Round-Trips Back to RM3.82 (27 Aug–2 Sep 2026)
- Maybank Q2 2026 Results (RM2.69b, 31 Sen Dividend) and Sime Darby FY2026 Results (Core +32.6%, 14 Sen), Read Separately
- UOB FD Promotion 2026: 4.10% p.a. — But Only If You've Never Banked With UOB
- Bank Muamalat FD Promotion 2026: 3.83% PIDM-Protected vs 3.88% That Isn't — Which Elevate Campaign Tier Wins?
- Robinhood Chain Memecoins: CASHCAT's 1,700% Day, the $INDEX Rally — and What a Vlad Tenev Follow Signals (2026)
- Affin FD Promotion 2026: 3.45% DIVENTIUM Rate vs 3.30% Anyone Can Get Online
- Malaysia Public Holidays 2027: All 15 Federal Dates, and What a Day Off Really Costs
- Malaysian Finance Calendar: 24–30 August 2026
- Maybank Grab Mastercard Platinum Discontinued: What Replaces It From 7 September 2026
- GXBank Bonus Pocket Rate 2026: 3.70% p.a., No Fresh Funds Needed — How It Stacks Up Against Bank FD Promos
- Crypto Rebound 2026: Bitcoin +19.6% and Hyperliquid +38.7% Since 9 August — and the Call We Got Wrong
- 24/7 Trading Is Almost Here: Nasdaq Goes 23 Hours in December — What It Means from Malaysia (2026)
- Genting Malaysia Earnings: Is the Bottom Finally In for Genting?
- United Asiapac Energy IPO Delayed: ACE Market Listing Pushed From 19 August to 14 September
- AmBank FD Promotion 2026: 3.70% eFD Rate vs the 1.90% Board Rate — Is the AmOnline-Only Deal Worth It?
- Maybank FD Promotion 2026: The 3.65% eIFD-i Deal Closed Early, 15 Days Before Its Deadline
- Malaysian Finance Calendar: 17–23 August 2026
- Situational Awareness 13F: What Leopold Aschenbrenner Actually Held Before the 67% Collapse (2026)
- Standard Chartered FD Promotion 2026: 3.75% Plain vs 4.80% With a CASA Split — Which Pays More?
- Public Bank FD Promotion 2026: 3.70% for Anyone, 3.80% for Red Carpet Elite — Is the RM1 Million Tier Worth It?
- Hong Leong FD Promotion 2026: eFD Pays Up to 3.60% p.a. — More Than Double the Board Rate, New Funds Only
- Unitree IPO: Priced at ¥150.80, Lists ~19 August — China's Profitable Robot Champion at US$9bil (2026)
- AirAsia Group (5238) Q2 2026 Results: An RM831m Loss — How Much Was Fuel, How Much Was One-Off?
- UUE Holdings (0310) Share Price Hits a Record Close — Can It Break Out? (August 2026)
- RHB FD Promotion 2026: 3.70%–3.80% on 7 & 9 Months, Double the Board Rate — But Read the Channel Rules
- Petrol Price Malaysia This Week: RON95 Stays RM1.99, RON97 Down 5 Sen — Even With Oil Up 12% (Aug 2026)
- HSBC FD Promotion 2026: 4.28% Premier Time Deposit vs the 2.00% Board Rate — Is Upgrading Worth It?
- 10 Bursa Grid & Data-Centre Contractors Compared: Order Book vs Market Cap (2026)
- HP vs HPE (2026): Two Hewlett-Packards, Two Breakouts — Catalysts and Earnings Dates
- UOB Quietly Closed Two of Its Best Miles Cards to New Applicants — Here's What to Get Instead (2026)
- 5 Malaysia Credit Card Cashback Traps Hidden in the Fine Print (2026)
- We Computed the Real Miles-Per-Ringgit for Every Air Miles Credit Card in Malaysia (2026)
- Bitcoin Back Near $65k, Solana $76 — and Robinhood Chain Is the Busiest Thing in Crypto (2026)
- Malaysian Finance Calendar: 10–16 August 2026
- OCBC FD Promotion 2026: 3.75% for Anyone vs 4.28% for Premier Clients — Is the Wealth Bundle Worth RM2,000?
- CIMB eFD-i Campaign August 2026: 3.40%–3.65% p.a. Across Four Tenures — What Actually Changed From July
- Alliance Bank FD Promotion 2026: Sri Petaling Pays Up to 4.38%, Bangsar Pays a Flat 4.08% — Here's Who Actually Wins
- The 'Basic Credit Card' Is Coming to Malaysia at a Flat 14% — Beating Every Existing Rate Tier (2026)
- The S&P 500 Just Hit a Record — Here's What Beat It in 2026, and What Got Left Behind
- Bitcoin, Solana and Hyperliquid Barely Moved Last Week — the S&P 500 Did All the Running (2026)
- The Yen Carry Trade, Explained — and Every Time Japan or the US Stepped In (1985–2026)
- RON95, RON97 and Diesel All Jump 20 Sen This Week — the US–Iran Pause We Covered Just Collapsed (2026)
- The Rates.my Malaysia FD Rate Index — August 2026
- Memory Stocks Crashed, Then Snapped Back 20%+ in Two Days — What Now? (2026)
- CXMT Popped 466% on Debut — and a Crypto Market Called It Four Days Early (2026)
- Oil at $92 After the US–Iran Pause: Why Mid-Range Is the Hardest Place to Trade (2026)
- Dead Market Until End-July? SpaceX Drained the Liquidity — and the AI Rebound Already Happened (2026)
- SkyeChip vs Stratus Global: How Bursa's Two Hottest Chip IPOs Traded on Debut (2026)
- The AI Crash We Called: The World Cup Drained the Liquidity — Now Comes the Shakeout, Then the Rebound (2026)
- UUE Holdings (0310) — The Next Billion Ringgit Stock?
- Kimi K3: China's New Frontier AI — and Why Alibaba (9988) Owns the Upside (2026)
- Will AI Stocks Rebound After the World Cup Final? The Oversold List: Micron, Intel, CoreWeave, SK Hynix (2026)
- Is It Worth Applying for Bursa IPOs? Stratus Global's Real Balloting Numbers (2026)
- CXMT: China's Biggest-Ever Chip IPO — and Crypto Is Already Trading It Before It Lists (2026)
- Stratus Global IPO Review: Business, Valuation & the SkyeChip Question
- EI Power (EIPOWER): Is RM1 Possible for Bursa's Newest Data-Centre Power Play? (2026)
- How Much of Your Money Does moomoo Actually Hold? What We Know About Malaysian Capital 'Leaving' Bursa (2026)
- Can You Apply for the Unitree Robotics IPO From Malaysia via moomoo? Here's the Honest Answer (2026)
- Bursa Malaysia vs moomoo: How Much Liquidity Are You Actually Trading In? (2026)
- Crypto Rebounds After the June Crash — and Hyperliquid Is the Name Everyone's Watching (July 2026)
- The World Cup's Other Scoreboard: Prediction Markets Have Traded US$44.8 Billion in a Month (July 2026)
- Stock Market Review: The First Half of 2026 — Record Highs in the USA Fuelled by the AI Boom and a Sleepy Bursa
- Micron & SanDisk: The Memory Chips Powering the AI Boom — and Why They Matter to Malaysia (2026)
- AI Stocks Wobble, the World Cup Distracts — and the Money Is Quietly Moving: What It Means for Malaysian Investors (2026)
- OPR and Your Fixed Deposit: What Bank Negara's Rate Means for Your Savings (2026)
- Ringgit Weakens Again After Its Rally: What a Falling Ringgit Means for Your Money (2026)
- Diesel Subsidy, Cash Aid & the Election Question: What Malaysia's 2026 Money Moves Mean for You
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