everyone is different. there's no hard rules.

your 1yr may be good enough for me in 6mths, or vice versa.

Rolling over is a waste of money as you will be getting board rate when you should be getting promo rates. People here put according to their need. Most put one year, after one year, withdraw money out and transfer to another bank if they give higher rate or transfer back to the same bank so that it will be seen as fresh fund by bank. Who those amount very big, no need to so such hassle. Can get promo rates.

For me, I only keep for 1 month duration (emergency cash reserve). Might be going for Maybank GIA-I eFD next month as that's the only eFD giving 4% p.a Other banks give only ~3.15%

tx for lots of info on fd previously. but we only talk on fd.
10% pa? risk?  please take tis discussion elsewhere. we talk fd only.