for foreign currency FD, is there a risk? our capital is protected? what about the interest rates? it fluctuates according to the currency rate? we follow the rate stated at the point of fd maturity date right? eg: affin bank says 3.8% but at the end of the tenure not really 3.8% right? currently I'm also looking at public bank AUD fd 5.45% for 12 mths.

or any other suggestion from sifus here?

note: i have about rm10k to put in.