我有一个 maxigain account, 在 counter 12, 有 $250,000,为了 become Citi gold.
几个月前,我 opened 多一个 joint maxigain account,这个月在 counter 5。
What is the 最好 timing to 转这笔 the excess $100,000 过去这个 joint account? 这个 month or 下个month?
谢谢
If you're only looking at the bonus interest, the best time would be when the joint account has accumulated 9 counters or more. In all cases, you should transfer funds so that the joint account has $150,000 instead (because when you transfer out funds from your main maxigain account, the counters will drop to 6)
If you transfer anytime earlier than that, or have less than $150k in the joint account, you'll earn less bonus interest overall.
Between now, and when the joint account has 9 counters, you should transfer the interest earned in your account to the joint account each month, because it's otherwise only earning 0.05%p.a.
You should also make sure that you are the principle in the joint account, so that you do not lose your Citigold status, or trigger fall below fees in either account.
250k@12 counters = $150/month (capped at 150k)
150k@6 + 100k@5 =
116.67
150k@6 + 100k@6 =
125.00
150k@6 + 100k@7 =
133.33
150k@6 + 100k@8 =
141.67
150k@6 + 100k@9 = 150.00
150k@6 + 100k@10 =
158.33
100k@6 + 150k@5 =
112.50
100k@6 + 150k@6 =
125.00
100k@6 + 150k@7 =
137.50
100k@6 + 150k@8 = 150.00
100k@6 + 150k@9 =
162.50
100k@6 + 150k@10 =
175.00
If you're also taking the base interest into account, then, the next 1st of the month would be the best time to do it.