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Read the Citi MaxiGain T&C & FAQ online.
Try to Open account in last week of the month, or whenever convenient (to minimise opportunity cost of funds)
Try to fund on same day of account opening with 15k via FAST, or whichever way convenient (to ensure Bonus Counter starts clocking at the earliest, else it will start a month later)
note: 10k is min to earn interest, but will kena fall below fee ... so 15k if u dont hv other AUM with Citi
After opening, for next 6 months ... dont do anything with the account, dont think about withdrawing anything ... by then, u shld be getting around 1.7% to 1.8% (if SIBOR remains at present level)
... then, think about whether 1.7/1.8% is attractive to pump more money in ... or wait longer
the key is to open an account to start the clock ticking
Summary:
1. go Citibank, open maxigain with 15k
2. sit back for 6month
3. put in the rest of whatever you want.