4.2% p.a. interest on fixed deposits, farewell. My strategy.

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 much shorter 3 months tenure.The interest rate falls to 3% p.a. if we choose a 12 months tenure.This is probably