FSM Cash Account has a pretty high interest rate at 1.85% with almost instant withdrawal rates right? Good to use as emergency funds account?

Started China + Tech journey in March, not too bad now, balance portfolio off with SAMY (US equity heavy) which was started in Feb.

Entire portfolio consists of FSM & SAMY only, but thinking of dabbling in Luno.

Amchina A-Shares even higher ahaha... generally all up incl TA Tech.

While speaking of more stable funds, was thinking of relocating my emergency monies (previously parked in FD then moved to SA Simple) to a bond fund-

https://www.fsmone.com.my/funds/tools/facts...t?fund=MYRHBBOF

Thoughts guys? I'm turning 30 next year and don't really need this lump of monies to be liquid as FD (instant withdrawal) for emergencies realistically (families can always fork out cash in advance). UT's generally take up a few days for withdrawal anyway, and since Simple has downgraded their expected returns from 2.4%*, RHB Bond Fund seems like an excellent alternative to park these funds there. Plus, withdrawal from FSM for this particular fund seems faster than SA Simple anyway.

Currently my portfolios include:

FSM- TA Global, AmChina A-shares
Stashaway- 30% RI.