{"id":259589,"date":"2025-05-27T11:10:19","date_gmt":"2025-05-27T11:10:19","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/4-2-p-a-interest-on-fixed-deposits-farewell-my-strategy\/"},"modified":"2025-05-27T11:10:19","modified_gmt":"2025-05-27T11:10:19","slug":"4-2-p-a-interest-on-fixed-deposits-farewell-my-strategy","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=259589","title":{"rendered":"4.2% p.a. interest on fixed deposits, farewell. My strategy."},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><span style=\"font-size: x-large;\">I received a notification that my 18 months fixed deposits are maturing.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">Time really flies.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">Seems like it was only recently that fixed deposits were paying as high as 4.2% p.a.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">Well, a quick check tells me the highest interest rate I can get now from CIMB is 3.3% p.a.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">This is also for a much shorter 3 months tenure.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">The interest rate falls to 3% p.a. if we choose a 12 months tenure.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">This is probably because every institution is factoring in interest rate cuts towards the end of 2024 and also in 2025.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">The news is that the ECB will cut interest rates before the FED.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">This is good news for interest rate sensitive risk assets like REITs, for sure.<\/span><\/p>\n<p><span style=\"color: #660000; font-size: x-large;\"><br \/><\/span> <br \/>\n<span style=\"color: #660000; font-size: x-large;\"><br \/><\/span> <\/p>\n<p><span style=\"font-size: x-large;\">So, what am I doing?<\/span><\/p>\n<p><span style=\"font-size: x-large;\">Like I shared in a recent blog and YouTube video, I maintain $250K in my emergency fund.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">I park the money in fixed deposits.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">I will continue to do so.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">I would do this in batches of $20,000 because if I had to use my emergency fund, breaking smaller sums will avoid losing too much in interest income.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">So, if I had $100,000, I would break that into 5 fixed deposits with $20,000 each instead of having a single fixed deposit with the full $100,000, for example.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">It could even be 10 fixed deposits with $10,000 each.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">This explains what you see in the photo below:<\/span><\/p>\n<div class=\"separator\" style=\"clear: both; text-align: center;\"><a href=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjsRkDvE2TToyIRIcA4eipgEYVEIlA6lh6L4y0i3ciRnTAL5qhkmgkffK8nvXSOpX_GvdFXuWsjuWBYwzHV5dtpbyaXrXixZgXU6qABCWgAmeU-X5QkSESrA0vybCCbyIx0TXvmA9DMUpVji85K3gUx003-BIbgjSZAz3XX-Uffsq2mxzKEw3k0Rjm71su8\/s640\/IMG_9316.JPG\" style=\"margin-left: 1em; margin-right: 1em;\"><span style=\"font-size: x-large;\"><img loading=\"lazy\" decoding=\"async\" border=\"0\" data-original-height=\"480\" data-original-width=\"640\" height=\"300\" src=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjsRkDvE2TToyIRIcA4eipgEYVEIlA6lh6L4y0i3ciRnTAL5qhkmgkffK8nvXSOpX_GvdFXuWsjuWBYwzHV5dtpbyaXrXixZgXU6qABCWgAmeU-X5QkSESrA0vybCCbyIx0TXvmA9DMUpVji85K3gUx003-BIbgjSZAz3XX-Uffsq2mxzKEw3k0Rjm71su8\/w400-h300\/IMG_9316.JPG\" width=\"400\"\/><\/span><\/a><\/div>\n<p><span style=\"color: #660000; font-size: x-large;\"><br \/><\/span> <br \/>\n<span style=\"color: #660000; font-size: x-large;\"><br \/><\/span> <\/p>\n<p><span style=\"font-size: x-large;\">Anyway, this is just something I am comfortable with and it makes sense to me.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">All of us have different circumstances and beliefs.<\/span><\/p>\n<p><span style=\"font-size: x-large;\">As long as we are maintaining a meaningful emergency fund that suits our circumstances and as long as we are able to access it reasonably quickly, we should be OK.<\/span><\/p>\n<p><b><span style=\"font-size: x-large;\">If AK can do it, so can you!<\/span><\/b><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>I received a notification that my 18 months fixed deposits are maturing. Time really flies. Seems like it was only recently that fixed deposits were paying as high as 4.2% p.a. Well, a quick check tells me the highest interest rate I can get now from CIMB is 3.3% p.a. This is also for a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":259590,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[13649,14325,5927,11290,32370,11636],"dealstore":[],"offerexpiration":[],"class_list":["post-259589","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-deposits","tag-farewell","tag-fixed","tag-interest","tag-p-a","tag-strategy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4.2% p.a. interest on fixed deposits, farewell. 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