{"id":17996,"date":"2021-11-09T19:00:00","date_gmt":"2021-11-09T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/term-investment-account-fixed-deposit-cimb.html"},"modified":"2026-03-27T08:37:45","modified_gmt":"2026-03-27T00:37:45","slug":"term-investment-account-fixed-deposit-cimb","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/sme\/term-investment-account-fixed-deposit-cimb.html","title":{"rendered":"CIMB Is Introducing A New Term Investment Account That’s Perfect For SMEs In Malaysia!"},"content":{"rendered":"\n

If you\u2019ve ever wondered what happens when a bank runs out of funds, the bank will actually borrow from another financial institution. When banks borrow from each other like this, they are charged what is known as an overnight policy rate (OPR)<\/strong>.<\/p>\n\n

When Covid-19 hit our country, Bank Negara Malaysia slashed the OPR several times to help the economy recover faster. While the OPR was at 2.75% in January 2020, it now stands at 1.75% at the time of writing.<\/p>\n

Now if you\u2019ve heard of a fixed deposit account before, you\u2019d know that it allows you to save a certain amount of money for a fixed period of time<\/strong>. In return, you\u2019ll get a good amount of interest over the course of that time. But what does an OPR have to do with a fixed deposit account?<\/p>\n

Making fixed deposit investment more beneficial<\/h2>\n

\"term-investment-account-fixed-deposit-cimb-01\"<\/p>\n

Basically, a low OPR will lead to you having low returns on your fixed deposit investment<\/strong>. Simply put, low OPR = low return for an investment<\/strong>. But if you\u2019re an SME owner who invests, you would want an investment that\u2019s lucrative. You\u2019re also going to be saving whatever funds you have left instead of investing it somewhere that isn\u2019t beneficial to you.<\/p>\n

Enter CIMB\u2019s Term Investment Account (TIA-i)<\/strong>, something very similar to a Fixed Deposit Account. If you\u2019re worried about low OPR rates that will affect your investments, fret no more. CIMB\u2019s TIA-i is a low-risk option<\/strong>, catered to business owners in Malaysia who want to be careful with where they invest during this time.<\/p>\n

CIMB\u2019s TIA-i as a safe option for SMEs<\/h2>\n

So, what\u2019s so unique about CIMB\u2019s TIA campaign?? For starters, if you decide to open an account, the minimum placement amount is only RM10,000 for businesses<\/strong>. Besides that, the placement period runs for just 6 months. And to give you the best returns, CIMB is offering you a return rate of 2.3% per annum<\/strong>, which is one of the highest rates offered by banks in Malaysia. This is also a higher return rate than any regular savings account can get you.<\/p>\n

Other than that, it\u2019s already common knowledge that products offered by CIMB Islamic are Shariah-compliant, and this includes their TIA-i. Islamic contracts are used for TIA-i, and this will be in line with the Mudharabah principle<\/strong>. So, if you\u2019re looking for a safe, Shariah-compliant investment, you\u2019re in the right place!<\/p>\n

CIMB wants to help businesses in Malaysia<\/h2>\n

Like we mentioned earlier, CIMB\u2019s TIA-i is open to all businesses, enterprises and corporations. With the goal of helping businesses during this time, CIMB will also give you 50% of the accrued profits for any investment that is uplifted before the maturity period<\/strong>.<\/p>\n

Over the last year, CIMB has come up with various initiatives to help business in Malaysia weather through this pandemic<\/strong>, such as the EVA Chatbot<\/strong><\/a> which was created to direct SME owners to find the right financial help, and multiple strategies to help these businesses become more sustainable<\/strong><\/a>.<\/p>\n

\"term-investment-account-fixed-deposit-cimb-02\"<\/p>\n

CIMB\u2019s Term Investment Account is another one of these initiatives, as the introduction of a low-risk, high-return investment will benefit business owners. At the same time, it can also foster a stronger habit of saving<\/strong> as businesses will be more confident to invest their money in a Term Investment Account such as this.<\/p>\n

The TIA campaign runs from 1st October 2021 to 31st January 2022<\/strong>, so make sure you don\u2019t miss out on this highly rewarding offer.<\/p>\n

Disclaimer<\/strong>: Neither CompareHero.my nor the content on it is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on CompareHero.my is for general information purposes only and is not intended to be personalised investment advice or a solicitation for the purchase or sale of securities.<\/em><\/p>\n

Compargo Malaysia Sdn. Bhd. and\/or its affiliates cannot and do not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. CompareHero.my may receive compensation from the brands or services mentioned on this website.<\/em><\/p>\n

Interested to sign up for CIMB\u2019s Term Investment Account today or want to know more about this? Just click the link below!<\/p>\n


Apply for the Term Investment Account-i
<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

If you\u2019ve ever wondered what happens when a bank runs out of funds, the bank will actually borrow from another financial institution. When banks borrow from each other like this, they are charged what is known as an overnight policy rate (OPR).<\/p>\n","protected":false},"author":268230141,"featured_media":618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[647],"tags":[],"class_list":["post-17996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sme"],"yoast_head":"\nCIMB Is Introducing A New Term Investment Account That's Perfect For SMEs In Malaysia! 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It is an indicator of\u2026","rel":"","context":"In "Economy & Markets"","block_context":{"text":"Economy & Markets","link":"https:\/\/www.comparehero.my\/blog\/economy-markets"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/OPR-Changes.jpg?fit=930%2C487&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/OPR-Changes.jpg?fit=930%2C487&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/OPR-Changes.jpg?fit=930%2C487&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/OPR-Changes.jpg?fit=930%2C487&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17933,"url":"https:\/\/www.comparehero.my\/blog\/economy-markets\/bnm-maintains-opr.html","url_meta":{"origin":17996,"position":1},"title":"BNM Maintains OPR At 1.75% – What Does This Mean For Malaysians?","author":"CompareHero","date":"26 January 2021","format":false,"excerpt":"[no_toc] Bank Negara Malaysia (BNM) recently announced that it will maintain the Overnight Policy Rate (OPR) on 20 January 2021. But as a Malaysian, what does this mean for you? If you haven\u2019t already heard, Bank Negara Malaysia (BNM) has decided to maintain the Overnight Policy Rate (OPR) at 1.75%,\u2026","rel":"","context":"In "Economy & Markets"","block_context":{"text":"Economy & Markets","link":"https:\/\/www.comparehero.my\/blog\/economy-markets"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bnm-maintains-opr1.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bnm-maintains-opr1.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bnm-maintains-opr1.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bnm-maintains-opr1.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bnm-maintains-opr1.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18169,"url":"https:\/\/www.comparehero.my\/blog\/economy-markets\/how-to-take-advantage-of-lower-opr.html","url_meta":{"origin":17996,"position":2},"title":"How Malaysians Can Take Advantage Of The Lower Overnight Policy Rate (OPR)","author":"CompareHero","date":"3 November 2020","format":false,"excerpt":"Bank Negara Malaysia (BNM) announced another Overnight Rate Policy (OPR) cut, making it the fourth reduction for 2020 on 7th July 2020. As a Malaysian, how can this low interest affect you in the best way? Here are 6 savvy ways on how you can take advantage of this lower\u2026","rel":"","context":"In "Economy & Markets"","block_context":{"text":"Economy & Markets","link":"https:\/\/www.comparehero.my\/blog\/economy-markets"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-take-advantage-of-low-opr.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-take-advantage-of-low-opr.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-take-advantage-of-low-opr.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-take-advantage-of-low-opr.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-take-advantage-of-low-opr.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18237,"url":"https:\/\/www.comparehero.my\/blog\/economy-markets\/how-will-the-opr-hike-affect-your-finances.html","url_meta":{"origin":17996,"position":3},"title":"How Will The OPR Hike Affect Your Finances?","author":"CompareHero","date":"26 September 2022","format":false,"excerpt":"When the world was affected by the COVID-19 pandemic, Bank Negara Malaysia (BNM) reduced the Overnight Policy Rate (OPR) to a historic low of 1.75% to boost the economy and avoid recession. Read more: 2020 OPR Cuts: What Does This Mean For Malaysians? Now that the world is slowly recovering\u2026","rel":"","context":"In "Economy & Markets"","block_context":{"text":"Economy & Markets","link":"https:\/\/www.comparehero.my\/blog\/economy-markets"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_What_is_OPR_and_How_Will_It_Affect_Your_Finances-03.png?fit=1201%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_What_is_OPR_and_How_Will_It_Affect_Your_Finances-03.png?fit=1201%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_What_is_OPR_and_How_Will_It_Affect_Your_Finances-03.png?fit=1201%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_What_is_OPR_and_How_Will_It_Affect_Your_Finances-03.png?fit=1201%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_What_is_OPR_and_How_Will_It_Affect_Your_Finances-03.png?fit=1201%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18739,"url":"https:\/\/www.comparehero.my\/blog\/loans\/business-adapt-covid-19.html","url_meta":{"origin":17996,"position":4},"title":"Why Your Business Must \u2018Adapt Or Die\u2019 During COVID-19","author":"CompareHero","date":"31 May 2021","format":false,"excerpt":"As a business owner, you know that adapting to changes is more important now than ever before. COVID-19 has accelerated transformation in the way we work today.\u00a0 There is less foot traffic in physical stores as consumers prefer online shopping during the pandemic. So if you plan to evolve, stay\u2026","rel":"","context":"In "Loans"","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/business-adapt-covid-19.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/business-adapt-covid-19.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/business-adapt-covid-19.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/business-adapt-covid-19.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/business-adapt-covid-19.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18001,"url":"https:\/\/www.comparehero.my\/blog\/economy-markets\/cimb-ocbc-rhb-reduce-base-lending-rates.html","url_meta":{"origin":17996,"position":5},"title":"CIMB, OCBC, & RHB Reduces Their Base Rates & Base Lending Rates","author":"CompareHero","date":"26 August 2019","format":false,"excerpt":"Responding to the move of Bank Negara\u2019s reduction of the OPR to 3%, CIMB, OCBC, and RHB are reducing their own base rates and base lending rates (BLR) by as low as 0.25%. This move will see lower loan interest rates and, unfortunately, lower fixed deposit rates as well. 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