I am not sifu but let me ask you a question.
Why put FD when amanah saham function exactly the same?
Emergency fund means you need access to it on weekends and public holiday.
Both FD and amanah saham can't be access via public holidays or weekends.

FD max 4.5%
Lock up your money depending on your term.
Principal is guaranteed by bank.
You forfeit the interest if you withdraw early.

Amanah saham fixed price fund min 6%.
Money not lock up.
Principal is pseudo guaranteed as you buy and sell at RM1/unit. You can't sell below/above RM1
You don't forfeit returns if with draw early.

Forget FD and dump your money into amanah saham fixed price fund. Don't get conned by banks trying to sell you variable price fund.

I know I did not regret it.