TS - I not here to suggest anything but just give you the calculation

Illustration:

Just take New Zealand Dollar as example = 10% (< easier to calculate*)

*By depositing your money into a foreign bank, you required to bear the risk of exchange rate"
which is exchange rate is also taken in calculation of your earning.**

1st example situation ( 1year ):
Malaysian (RM) deposit rm100 in New Zealand bank which is getting 10% of interest.
If RM value increase 10% = rm110

Rm110 x 10% interest = rm11

[So you're earn RM121 (110+11) which is mean if RM value increase you r not earn only 10%]

2nd example situation ( 1year)

Malaysian (RM) deposit rm100 in New Zealand bank which is getting 10%of interest
If RM value drop 10% = RM 90

Rm 90 x 10% = RM 9

[So you're earn RM 99 ( 90+9 ) which is mean you only lost 1%]

Conclusion:
If you're invest ,you may earn 21% return or lost 1%.
So is there worth for you to invest? Just consider your self.