Question 1 is tricky. I always wanted to ask but don't know how to get OFFICIAL answer. Dividend will surely drop in the future. No way it's going to stay the same forever.

So my question is:
1) Is there any limits when transferring from acc3 to acc2.
2) When they do announce drop in dividen, do we have enough time to transfer EVERYTHING from acc3 to acc2. How will the dividen be counted? Average fund over the year or the balance of the month before dividen is paid or how.

For people who control their financials well, I guess the safest is still to transfer acc3 to acc2 monthly and make sure acc3 is 0 every month? They better make it possible to do this easily from the app.

if they announced diff rate for flexi account
then yes ..you might burn few days of dividend

because kwsp dividen is based on daily aggr balance

#4 and #8 got difference?

Updated my Post #2 to answer this.