Referring as a saving account replacement:

As you pointed out earlier (and I am sure you are very well aware of this)- PMMMF gives you around 3.65% to 3.69% (my record is since Mar 2018, it has been above 3.63%).

For eGIA, the latest is 3.6% up to 35 months and anything above 3.6% is for 36 months and above.

Since PMMMF can easily give a daily rate of 3.65%, what is your concern then if the money is for day to day use / liquid? unless you are looking at 3.75% which u need to lock it for 60 months (forget about liquidity here). If the money need not be used for a longer period, say at least 1 year, then chase for FD promo or better still, go for Amanah Saham fixed price, if you get to buy the unit.

Otherwise, in fact UT bond can fetch quite a decent return depending on the UT bond selection (can give around 4% to 6%). need to study the performance.

just putting things in perspective, not to criticise u because i believe u are quite well verse with the above

As long as withdrawal on the day is before 930am. What I did is plan ahead. I.e. need money in Maybank on Wed , I submit the sell order on Tuesday night after 6pm which is still considered as before Wed 930am so that I don't need to stress myself to submit the order before Wed morn 930am.

For other than Maybank, the transaction at times can take another working day or very late on that day itself (11pm + only see the money in the account). don't brother with egia if u can plan ahead