What if rates drop to pre COVID around 3 only....
No 1 can tell.. lol.. Unless u came back from the future..
So.. change how much you need..
If you wanna change and keep or wait to change and keep = feel like investment to me..
No 1 can tell liao.. When should u buy BTcoin when u need sell..
For me, personally, i change quite abit during 3.48.. its also come at a risk that if it go 3.8 how?
You can either change abit more at 3.8 to even out..
Or you just be happy and change how much you need will do..