thanks for the info...
based on past records seems like XLE is on ATH now...

didnt know that... must have miss it...
didnt pay much to XLE that time... only buy S&P

wishful thinking hopefully SA will increase their current 3.5% interest rate to 4% and above...

yes... and I thought after covid MCO period price will be better...


they already increase 1 round dy, now my housing loan interest is 4.1%
need to park somewhere closer or higher than 4.1%

my bad... typo on the 3.5%...
i already placed some in KDI at 3.5%...

for Versa is there a quota on the 4%?
if i'm not mistaken i read they cap at a certain limit...

alright thanks a lot for the clarification...

Can I add a beneficiary to each goal?
Not at the moment. However, we do have joint accounts in the pipeline.

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What happens if the account holder passes away?
In the event of the death of the account holder, the executor or administrator will be the only person recognised by us.

An executor is the person appointed to handle the wishes and instructions set out in a will, and the administrator is a person appointed by the court to manage and take charge of the assets and liabilities of a deceased person without a valid will.

The executor or administrator will need to produce a grant of probate or letters of administration before the account can be liquidated to a designated account as instructed by him or her.

If there is no will, then an administrator will be appointed by the Court and she/he will have to produce letters of administration before the account can be liquidated to a designated account as instructed by him/her.

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