My RHB account been having smaller amount last few months since threw all my liquidity in SSPN for the 1% ganjaran kesetiaan.

October was withdrawal date, so I dumped into Smart account. Did some quick maths to ensure RM100,000 monthly average balance.

I have joy@work status, and I satisfied the spend and pay conditions.

Received RM4.25 on 31st Oct and RM441.645 on 7th November. Based on my calculations that's 5.25% p.a. exactly (5.2499)

For November I add RM1041 to MAB (slightly above in case their maths rounding different) hopefully can maintain.

The problem with hitting 6.85% is that the remaining actions all quite expensive. Don't mention home loan/auto loan, RM100 brokerage fee is effectively spent to get RM135.89 additional return. Investing in their unit trust opportunity cost is high. Anyone tested converting to foreign currency/precious metal? What's the spread, and does it work if convert and then convert back?

Okay, I'll bring it over:-
The task 3 is what you're talking about. Need multicurrency accoutn though? Let me chekc how to open that.