I handled my parent's portfolio since end 2013, and I'm still handling them now. Recently, my parents wanted to withdraw out 40k. My parent's portfolio is handled in tranches, according to the timing where they gave a lump sum to me. Since the first tranche of money is 50k, and the portfolio also consisted of Capital mall asia bonds (CapmallA3.8%b220112) that is going to be redeemed back in Jan 2017 (here), I decided to cash out the entire portfolio and return it to them. When I first started out, the options are pretty limited. I looked back at my older article here on the philosophy behind the allocation. The fixed deposit for foreign banks are giving 1.25% pa for 2 years, while the local banks are giving about 0.55% for the same period. Now, the rates for local fixed deposit for 2 yr is doubled, ......