Why not try to put into cimb equity trust.

Similar like bank account.. just tat this is equities account.

you put the money, if no use, interest is 2.6% per annum. No lock in, no other funny charges.

if you want to withdraw, just inform your dealer/remisier to do it. Takes a bit longer (1 week) to get the money (equities trust - > issue a cheque -> cheque bank in to your account)

But 2.6% with no locking, worth a try.