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@sparklingangel Thanks for the suggestion. I've looked into it, and it seems that they aren't that liquid? The monthly online withdrawal limit is RM1k, for anything more I need to go over the counter. Is that your understanding also?

I've seen it said a few times in this forum that we should keep a 6 months monthly expenses buffer before even considering investing. So my question then is, where should we place the 6 months buffer? My thoughts are that: The 1st three months buffer should be in something that yields interest...