[Lukongsimi]

95% also not bad.  I never put NC.

Skali one day all the low ballers come in large amounts and bid 1.5% and below then how?

True also a bit worried when bid non c 
Coming 13th dec  will bid c liao 
😊

[sgh]

i am guessing
if u have only 1 or 2 thousand dollars
and buy t bills
its like wasting time
u only get a few dollars

Going by your logic buy local bank stocks also waste time must wait for dividends may as well go casino table play big small lagi faster correct? That one is 100% profit and more

[sgh]

Wonder if this forum allow thread to be sticky at the top. For threads that are of cuz of great interest to readers. hwz has Money Mind we can have an equivalent here?

Just to share if SDIC protection is not high on your list. Syfe (a robo-advisor like StashAway, Endowus) now promoting their Cash+ Guaranteed portfolio. Basically they as a company go and place FD with banks to secure a better rate not offered to retail customers. Then they give their customers a chance to tag along with a cut they get.

Now Syfe is 3 month 4% and 6 month 3.9% I think this 6 month is better than T-Bill. Me not Syfe promoter just share good lobang.

https://www.syfe.com/cash-management/cas...guaranteed

[Gemstar]

Wonder if this forum allow thread to be sticky at the top. For threads that are of cuz of great interest to readers. hwz has Money Mind we can have an equivalent here?

Just to share if SDIC protection is not high on your list. Syfe (a robo-advisor like StashAway, Endowus) now promoting their Cash+ Guaranteed portfolio. Basically they as a company go and place FD with banks to secure a better rate not offered to retail customers. Then they give their customers a chance to tag along with a cut they get.

Now Syfe is 3 month 4% and 6 month 3.9% I think this 6 month is better than T-Bill. Me not Syfe promoter just share good lobang.

https://www.syfe.com/cash-management/cas...guaranteed

What bank is this SYFE?

[sgh]

What bank is this SYFE?

Syfe is not a bank. It is a fintech. As said if SDIC is no big concern for you. If it is a big concern you can stop reading then. I like to diversify a lot so besides banks I also invest in non-bank instrument after understanding what they are doing. For this case it is straightforward they place FD with banks as a corporate company status to secure better rates not offered to retail.

You need to create account if just want this Cash+ Guaranteed portfolio becuz they do a few other business besides this. https://www.syfe.com/
I know them becuz I was lured into their US ETF investing and then got new user sign on bonus etc.