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Excellentte Consultancy financial planner Jeremy Tan said: “ There are no alternatives to FDs since it gives an almost risk-free return, which no other asset classes can give out.” PETALING JAYA: The returns on fixed deposit appears to be diminishing, given the current low interest rate environment in Malaysia. This will put net savers at a disadvantageous position, even when the government is trying to spur more spending to boost the economy amid the raging Covid-19 pandemic. On Wednesday, Bank Negara decided to keep the overnight policy rate (OPR) unchanged at 1.75%. However, there are strong expectations that the OPR could see further cuts in the upcoming quarters this year. ....