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@tonyangiano For FD/TNG: Given this is your liquid rainy day fund, you don't have to do both unless it's for some e-wallet CB thing. Look at KDI Save, it's giving around 4% and its pretty fast in its deposit/withdrawal time. I would have recommended Versa in the past, but the time it takes to...

@blurredcontours I mean, that's the point of Personal Finance. They dish out goodies, we maximise it. People here cancel credit card the money they reduce miles redemption, it's no different to this.

@blurredcontours The deposits are PIDM ensured, Grab can be as sucky as they want to be, but for the average folk, their deposits are secured. It's a campaign to attract users that should end by 5 November 2024. Not sure what you are smoking, but I don't see an issue with cashback campaigns...

@gegeez22 I've hit 1mil already to date as a corporate slave, so its possible.

@blessed2day There's no capital gain tax here, so taking money back through the normal channels isn't an issue. But be mindful there is a withholding tax depending on which country you buy the ETF and get the dividends from.