[talky]

Expected. I just don't know how low it will go. Thankfully, still at 4% and not lower. Better than FD. Issue now is what will be the interest rate 6 months later.

used 3k cash to apply non competitive  rtn 1k means got 2 k 

luckily did not use cpf to apply otherwise is a lost in earned interest
interest also given together w the 2 k rtn