OOT

It's hot discussion now in EPF - self contribution thread starting from this page.

I'm already moving my FD allocation funds to EPF for years   Coincidentally my BR FD is maturing mid June in coming 2 weeks. Just nice to  max the remaining 40k into EPF for higher interest. Recent year FD max 4.5-4.8% while EPF easily 5.0-6.5%
If more than 1M, can withdraw the excess like savings account any time via online, just takes 2-3 working days.

I can see it too.

Probably operator typed in wrongly - more likely to be 3.3%.

RHB 6month
3.85%
3.95% Premier

Start 1-30 Sept 2023

You can move it into UOB one month and out on next month day 1. You can transact on your balance at any time during the month - reduce, increase back, etc. The interest is calculated on monthly average, not on daily basis. Then following month move it in again. I don't find it difficult at all. I'm not looking for quarterly extra 1% deal, so not so complicated to me. Definitely a better deal than keeping it always in Rize, for the months when you can earn 5% in Stash. As long as they continue to extend the promo, it's good

Can you elaborate a bit? US T-Bills?

Why so kiam siap with max cap so little.

Recently i was conflicted on what to do with my money from a house sale in australia. its around 550k aud

when i went there for holiday last week, i opened a premier account. it is 5.5% for 3 months and then 4% for the rest of the year.

should i keep it in that account for the 3 months or bring it back and change to ringgit?

i dont know about capital gains tax, but the house did not appreciate like a british or malaysian property would, and i would be losing money as i bought it when aud was 3.1 9 year ago.

now it is 2.8, and i am scared of it dropping further

please advise

thank you

webull now better,6%