4.3% is 3 months treasury bills - - - and my 800,000 +++++ is in the bank here for over 20 years. I live here too and whenever the rates are good, I bring more money here. Any investments here, as in farmland etc are in my wife's name and she has done terrific with that which has the added benefit of the family making money farming the land for free while my wife has done very well as land prices have increased. And my investments in the USA vary from some dividend oriented funds that have been yielding 14% + and downward from there to index funds as well... I am fairly well diversified and the 800,000 Thai baht in the bank is a very small portion. As I am getting older, I am somewhat more conservative, as the mood strikes - funds are mostly easily moved around, but the older I get, the more conservative I have been. Sometimes I even do a little day trading which is mostly gambling and I keep it limited. Diversification helps me sleep easy... though a sleep aid would be nice too.