{ "cells": [ { "cell_type": "raw", "metadata": {}, "source": [ "\n", "
\n", "
\n", "
" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "# Optimising Your Finances: OCBC vs. UOB vs. MayBank\n", "For 10 years now, I have parked my money in an OCBC 360 account, assuming that it consistently offered the most competitive rates. I am sure many of you would have done the same. Given that OCBC will be changing its policy from this November, a re-optimisation of our bank accounts is timely. \n", " \n", "Today, banks are competing to be your \"personal\" banker. They want you to use them for all your essential transactions: \n", " \n", "1. Safekeeping of monthly salary\n", "2. Paying bills\n", "3. Spending future income (credit)\n", " \n", "To attract your business, they offer bonus interest on your savings when you make any (or a few) of the above transactions under their account. The more criteria you fulfill, the more generous the interest rates. Thus, as a general principle, **stick to a single bank for as many transactions as possible**. The million dollar question is: which bank? In this post, I review the deals offered by OCBC's 360 account, UOB's One account, and MayBank's SaveUp account and recommend an optimal savings account for you, depending on your monthly transactions." ] }, { "cell_type": "code", "execution_count": 1, "metadata": {}, "outputs": [], "source": [ "# Import required packages\n", "import matplotlib as mpl\n", "import matplotlib.pyplot as plt\n", "import numpy as np\n", "import pandas as pd\n", "import seaborn.apionly as sns\n", "import warnings\n", "\n", "# Settings\n", "%matplotlib inline\n", "warnings.filterwarnings('ignore')" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "# Meet the Contenders\n", "First, I summarise the deals offered by OCBC, UOB, and Maybank." ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "## OCBC 360 Account\n", "The 360 account offers the following with effect from 1 Nov 2018: \n", " \n", "| Action | First \\$35,000 | \\$35,001 to \\$70,000 |\n", "|-------------------------------------------|--------------------|----------------------|\n", "| Base Interest | 0.05% | 0.05% |\n", "| Credit Salary via GIRO | 1.20% | 1.50% |\n", "| Spend \\\\$500 on OCBC Credit Cards | 0.30% | 0.60% |\n", "| Insure or Invest with OCBC | 0.60% | 1.20% |\n", "| Increase Monthly Account Balance by \\$500 | 0.30% | 0.60% |\n", "| Increase Monthly Account Balance | 1.00% on Increment | 1.00% on Increment |\n", "| Maintain Balance of \\$200,000 & Above | 1.00% | 1.00% | \n", " \n", "*Source: [MoneySmart](https://blog.moneysmart.sg/savings-accounts/ocbc-360-account-review/)*" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "## UOB One Account\n", "UOB offers the following: \n", " \n", "![](https://www.uob.com.sg/web-resources/common/images/column-tiles/rates-table.jpg)\n", "\n", "*Source: [UOB](https://www.uob.com.sg/personal/save/chequeing/one-account.page)*" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "## MayBank SaveUp Account\n", "The SaveUp account pays a step-up base interest of 0.3125% and the following bonuses: \n", " \n", "| Action | Up to \\\\$60,000 | |\n", "|------------------------|---------------|---|\n", "| Base Interest | 0.3125% | |\n", "| 1 Product or Service | 0.30% | |\n", "| 2 Products or Services | 0.80% | |\n", "| 3 Products or Services | 2.75% | | \n", " \n", "The products and services include: \n", " \n", "1. Spend \\$500 on the Platinum Visa Card or Horizon Visa Signature Card\n", "2. Bill payments of \\$300 by GIRO\n", "3. Minimum \\$2,000 salary credited via GIRO\n", "4. Minimum education loan of \\$10,000\n", "5. Minimum hire purchase loan of \\$35,000\n", "6. Minimum home loan of \\$200,000\n", "7. Life insurance with a minimum annual premium of \\$5,000\n", "8. Renovation loan of \\$10,000\n", "9. Minimum monthly investment of \\$300 or minimum \\$30,000 investment \n", " \n", "*Source: [MayBank](http://info.maybank2u.com.sg/saveup/)*" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "## The Competing Demands\n", "In summary, the competing demands are: \n", " \n", "| Transaction | OCBC | UOB | MayBank |\n", "|--------------|------|----------|---------|\n", "| Salary | Yes | Optional | Yes |\n", "| GIRO | No | Optional | Yes |\n", "| Credit Cards | Yes | Yes | Yes | \n", " \n", "We will find this useful once we calculate the interest rates offered by the three banks." ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "# Yield Curve\n", "In this section, I compute the \"yield curves\" for the three banks with the assumption that you are able to capture the full bonus interest from performing all three of the abovementioned transactions under each bank account, separately.\n", " \n", "## OCBC 360 Account\n", "First, we set up a table with savings of \\$2,000 to \\$90,000: " ] }, { "cell_type": "code", "execution_count": 3, "metadata": {}, "outputs": [], "source": [ "# Set up table\n", "ocbc = pd.DataFrame(np.arange(2000, 91000, 1000), columns = ['savings'])" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "Next, assuming we (1) credit our salary, (2) spend \\$500 on OCBC credit cards, and (3) increase our monthly balance, we compute the interest for each level of savings." ] }, { "cell_type": "code", "execution_count": 4, "metadata": {}, "outputs": [], "source": [ "# Compute base interest\n", "ocbc['base_interest'] = ocbc.savings * 0.0005\n", "\n", "# Set up columns for bonus interest\n", "ocbc['salary'] = 0\n", "ocbc['credit_cards'] = 0\n", "ocbc['monthly_balance'] = 0\n", "ocbc['thresh0'] = 0\n", "ocbc['thresh1'] = 35000\n", "ocbc['thresh2'] = 70000\n", "ocbc['diff'] = ocbc.savings - ocbc.thresh1\n", "ocbc['diff'] = ocbc[['thresh0', 'diff']].copy().max(axis = 1)\n", "ocbc['diff2'] = ocbc.savings - ocbc.thresh2\n", "ocbc['diff2'] = ocbc[['thresh0', 'diff2']].copy().max(axis = 1)\n", "\n", "# Compute interest for salary\n", "ocbc.salary = ocbc[['savings', 'thresh1']].min(axis = 1) * 0.012 + \\\n", " ocbc[['thresh1', 'diff']].min(axis = 1) * 0.015 + \\\n", " ocbc.diff2 * 0.0005\n", "\n", "# Compute interest for credit cards\n", "ocbc.credit_cards = ocbc[['savings', 'thresh1']].min(axis = 1) * 0.003 + \\\n", " ocbc[['thresh1', 'diff']].min(axis = 1) * 0.006 + \\\n", " ocbc.diff2 * 0.0005\n", "\n", "# Compute interest for monthly balance\n", "ocbc.monthly_balance = ocbc[['savings', 'thresh1']].min(axis = 1) * 0.003 + \\\n", " ocbc[['thresh1', 'diff']].min(axis = 1) * 0.006 + \\\n", " ocbc.diff2 * 0.0005\n", "\n", "# Compute total interest\n", "ocbc['total_interest'] = ocbc.base_interest + ocbc.salary + ocbc.credit_cards + \\\n", " ocbc.monthly_balance\n", "\n", "# Compute effective interest rate (EIR)\n", "ocbc['eir'] = ocbc.total_interest / ocbc.savings\n", "\n", "# Delete unnecessary columns\n", "ocbc.drop(['thresh0', 'thresh1', 'thresh2', 'diff', 'diff2'], axis = 1, inplace = True)" ] }, { "cell_type": "code", "execution_count": 5, "metadata": {}, "outputs": [ { "data": { "image/png": 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2i/EajB/td054PbD/5caY48Br5G6MudsYc5sxZlBtvVmNMe2MMenVTtDfY619l8qqhiF4vcXAa+f331ri/yEw0G+/U4J3Ml+B15v35Gp3qntCO/iukTw0fqzB1xuAV70ef73B/utNwhvCpdwYk2uMmW68WRjSrLUvWWsvx2u/BF6JQLDNUFxrv+dpdgN6290PLAgs3xF4HLwwL7fWxksPCqh6cRzi99CsrtE/X2vt6FpKwoft5D3ejTe4N3ht6F423kDd+PEdgVe1F//svsQb5gK8ab4+9B9nAC/6HX3iz+0LvISXeH9sjLl2J3EEVf87trfe0CO3B9b9zhhzbfy3aoxpZYy5Ha+6c5Ix5nljTDt27R28kql4AnIx8LbfIQW8asxy//FFxphj/eO1p2rbzHgHkGlUJnZt8Uv8jDF743Wsigu296ruOCo7Bu1KvAQveG7rZ7wpwPCPfZ1fen2mMSbXbzO4NLD/X4wxef6+BxhjnjPG/CJQ2j0jsO8wY8xAf98WwF2BbTvwOq0E21eC33bYv9mqUt3fiO0/q/+epIHUZk5qcrLfiLwmf7b+mEG74Xa8EoNMvE4MHxhj5vuP48X9l1PZ8PgevMa8+Xh3i28aY770l+Mn75F4vdbupmr1AVRWMdxI5QWtNpOAUXhtPIb561601pYG9hmLd/Fp68cz3RjzBV7JQ7yN0gV4vT73hOD7PduPpaPfpqixY52IN47U3nhVJ48bY27Fu3DG7/7Pwrs4gPdZDvH//dX/u7Wksl0RVM4CEHwf+Xht21rjJdW1DltRnbU2arwxyeI9Ko81xpxjrX0ObxaAuF8ZY87ES2h6U3kxB2+crM54F889+fnWibV2g/HG53rBj98Ai/3fURZVS3m+xRtQOeI/t8IY8xO8z7QtXuP0D/240/zleLVYS7zSxer6VztHZAOHBJa3U9mr/B94Jd2n+LHeCxQbY77B+84EX78nVWeFqO39nwxgjNkPLyHqidew/5d4Y9mtNsY8jjcvdAtgpv/+elBZIlWGn9RYa9cZY8bjnUPAG+bkCrxq9HhSvxnv712bYIeX963Xqes7flJ8r794ljGmpfXGvHuLyurwvxhvCrUyKtvxXYnXzu88vBK+B/31g4GvjDGL8NqvZuH1KL3Tb193D14pdVv/PVhjzAK8c2ywJPdu64+5Z4xZT2Xbxr8bY36K9zeq3ubtX3hD+zRErb+n+HdU6k8lc1KT2nqzDuD77TbqzW9HdSVew3jwTvD9qUzkKvAGK33b338tXvIXv3NMwytFiSdy4FUdxU+Un1O1+quL/29IHcILVrXGS/KqVI9Za7/GK3UJDjral6qNzW+31gars5pS9UTnALyG6AWNHatf0vJDqk6XtS9Vq3EeBf7qP55KZXVPNt5MAMFEbg6VJQjzqJzXFz/GPOr2d6se5zNUHY5mjF/CN47vTz3VG6/09RJqtsc+3/rwb6rOo/J3Ef8dBRO5FcCJttrsCNab7eFEqg6h0td/bnDolt9Za//K91XvzXoEVQsHbrSVA4VX4H1ngj0oO+F1WAkmcq8Ap9l6DLDsl1Y9G1gVHOvuV1S2LUwHDqQykYsAV1hrg1Of3UTVoVx6U5nIlQKXWGtr7JFrvDExzwuserSG3SZR+f1uRWXJ/0VUrSLuTtUOGR/hT0tmrX0I+HtgW0u8JDo+m0cJXqellTV8N9Px/sbBRO4Fqg5NEhwTLwOvLWlrvAGDXwps2502cLX+nnbjNVOekjkJhbV2It7wFI/gXVzL/P+fBY611o6rtv9beBequ/CqV0rxkoQZwEXW2ousN4ZYPOE4B6+HX4n/ulPYeRVJ/DgfUVkFCN7d+Cs17Pcq3kn0PrwSpFK8cfLiF6Sb6vAxNAo/UfiTf/x4icg4/CErGjtWPzE4BK9N3Hy8z3g93oXwQuCy+AXZ73m8P16j83fw7sq34o37Ngqv+jG+73K86rIv/BiX4pWu7WwctZ35beBxP+Bn1tqNeCUaz+Bd5DbhVTseY62djDee13a8dl6lflx79POtD+sNzdEPuA2vndi3eN/ZeXhDAPWz1s6t5bnv4v2mRuL1Yt6Kl9R+hFd6frC19s46hhLBe++TgEHW2vuqHWuHtfZ8vKE9XsK7GSj1n/MU3nRip/kN82tkjOluvMHBg9XJ7fCHkfF9dzNgrV2H16P6DrzmE2V454yngQHW2iql9P554xS8z+0TP751/v5H76JG4mQqby7L8QbbrsJau4HKHvHgV7X6CWKBf9z38P6GW/DOX7/FOx+uDLzOjX6cL/rvJ/5beRA4ygZmMPG/mwfjfV+X+J/BZuBN4DK8ZhLB0rDRwAN4v4sdeNXxv8ErWb0NrwlMlKo3c/Wyq9+TNExaLKZp4kREJHEZbyaRN/Gmr4oPflvC96tpr7LWPrDnIxQJl9rMiYhIotuPyqFa4s0sqnuayvZkIilFJXMiIpLwjDfl1nV4VbUH4JXIbcCrvn8oWL0okmqUzImIiIgkMXWAEBEREUliSuZEREREklhKdYC4+eabY3/+c03zVouIiIgknDqN6ZdSJXObN28OOwQRERGRRpVSyZyIiIhIc6NkTkRERCSJKZkTERERSWJK5kRERESSmJI5ERERkSSmZE5EREQkiSmZExEREUliSuZEREREkpiSOREREZEkpmROREREJIkpmRMRERFJYkrmRERERJKYkjkRERGRJKZkTkRERCSJKZkTERERSWKZYQdQG8dx0oCrgPOAXOA14BbXdWOhBiYiIiKSQBI2mQP6Ap2BM4AYMBE4B3gWwHGcAcAoIA/YhJfozQ0nVBERkdpNnjqL4UXjuLv4Ws4rHBx2ONLMJGwy57rufOCW+LLjOF8D0cAuPwCucl13jeM43YCpjuMc4bpuxR4OVUREpFb3PjeVP93+CNFIOTcUjwdQQieNKmGTuTjHcfYBbgK2uq77Yny967q3B3bLAloBGUBFtedfDVwN0LFjR9avX9/kMYuIiKyP7OCNTUsYPeZhKqLepamktIzri8YxpODAkKOTZJCfn1+n/dJiscRtguY4zjXAEGC067pf1LLPHKAncKXrui/v7PVGjBgRGzt2bKPHKSIiApXVqZeOOINI/1ZkpqcT+WgjT93zCqWlETKzM7lntKpapc7S6rJTwvZmdRzncOA413Uvqi2RA3BddwBwAnCJ4zgZeyxAERGRgKfdmQwfPY6ySJQJY1+i5MP1XNDjMH557hkUjbyMjMwMBgw7hiEnHh52qNLMJHI1ayFwjOM4MwLrpgOl1apYcV33C8dxSoHDgPf2XIgiIiLw2ebVXF90L+V+dWp5pJzn7n2dm358DgCFQwsYOOQQHlwyl1nrlvHD7v3DDFeamYRN5lzXvQ24raZtjuNkAQ8Av3Jdd73jOD2Ao4AlezBEERFJYZOnzuL6onGc/YuTyTmsAydddRwz/mMpK4uSk5NF0cjLquyfl51Lj9x2vLthBWd0PZCM9IStHJMkk5TfJNd1I8B/gAmO40wH7gGucV13Y7iRiYhIKnhiyptcP3ockUiUZ+99jYxPtnHzhecx+qbLycrKpGjkZRQOLfje8w5t340t0VI+2bwqhKiluUroDhCNTR0gRERkd1TEYszbsIIzT/vddz1UAbKyMpk7455dPj9aUcF9i96mV6s8rt3v2KYMVZqH5O4AISIikkhWbN/EXV/O5Inl71N4zRCys7MAyMnJonjU5XV6jcz0dPq37cKCrevYVLajKcOVFKJkTkREZCcee3k6XY65mOsnTmBd6bec0Kk3f/jxuYy+6bKdVqnW5tD2Xakghl23tOmClpSSsB0gREREwlQRi3HH08/zz789TXm0nLkT5nFCpz4cVdiDtLQ0CocW1CuJi8vPaUXXFm2Yt2EFTtd+pKXVqSZNpFYqmRMREanmq+2buevLmfzjL09RXlYOQKQsyl/ufLJRkq9D23djU2QHn29Zs9uvJaJkTkREBG+okW4Fl/C7R5/gb1/MYG3pNq644SxycurfNm5X+rbpRHZ6BnadRtSS3adkTkREUt4z7kxGFN/33ewNZR9u4Md7H8YvzjmNopENaxu3M1npGfRr0xn31Tl0LbiEyVNnNcrrSmpSMiciIiltfel2riu6l9LSCODN3vDsva+Tn9Pqu7Zxc2fc02iJ3HfHfXcl/3toDpFIlBuKxyuhkwZTMiciIimpPFbBtNULuWP+NMwVg8jK9voENmZ16s78/S9PUR7x2uOVlJYxvGhckx9TmiclcyIiklImT51F14JLuPLBB3jxm0/p3qItI398NkUNHGqkoYpHXU52IIG8u/jaJj+mNE9K5kREJGU8GZiGy71/Bq0+K+GMbgfRNbctpw8d0CTVqbUpHFrAH0ZeSnpmOmf//CTOKxy8R44rzY+SORERSQlfbl3LiNH3ESmLAlBeVs6Dd71IdkZ4Q66eeepA7pj0K1ocns+WSElocUhyUzInIiLN2vZohCeXf8C9C//HSVcdV6Vqc0+0jduVw/K6Uh6LYddqmBJpGCVzIiLSbP1z8sv0GnQZT0yZweHtu/GHH5/D6Jsu36Nt43alU05rurZow5wNy6moqAg7HElCSuZERKTZ+TZaxi8ffoTb7nicimgF8ybMo+TD9bTNzm2yoUZ2x+Htu7MpUsJnW1eHHYokISVzIiLSrHyyeSW3fz6Nx+92vxv6o6wsSvGYR0KOrHb7t+lITnomM1XVKg2gZE5ERJJefCqu/3v4ER5YPJcWGZmMuPFHTTIVV1PISs/g4HZdWLB1HRtKt4cdjiQZJXMiIpLUJk+d9d1UXI//ayp8vIVzexzC5Wed1CRTcTWVQ9t3o4IYszRfq9STkjkREUlaJeURfvHHqlNxTfrXf2mdmQOQkO3jatMhuyU9ctvxzoYVlKsjhNSDkjkREUlKi7et5875Mxh4RcEen4qrqRye150t0VI+2rwy7FAkiSiZExGRpBFvGzfqsSe5e8EsymMVjDjndIpuujRpqlN3Zr/W+eRmZGFV1Sr1oGRORESSQrBt3H/uepHSDzZwXo9DOaBtJ04fOjBpqlN3JiMtnUPa7cVrr79D14JLmDx1VtghSRJQMiciIgkvFotxXbW2cc+Ne5287NyQI2t8a+Z9w+yH5hKJRLmheLwSOtklJXMiIpLQtkZKGL9oNgOuKCAzOwNI/rZxO3PHnU98Nz5eSWkZw4vGhRyRJDolcyIiknDibePumvwyd8yfzsJt6/jJ6T/g5t/9pFm0jduZ4lGXfzd/bHZOFncXXxtyRJLoMsMOQEREJGjy1FncUDyeskiUMXc8zilXHc81Z5/KPi3bk35aT8467diwQ2xShUMLiBHj5lsnMPSq4zmvcHDYIUmCU8mciIgklOuLxlFSWgZ4bePe+Pdb9GqVR3paWsiR7TnO0AHc9+xNtD+yC8u+3RB2OJLglMyJiEhCiMVizFm/jGOvGEBGlbZxw8INLCQHt+9KRloaM9YuDjsUSXBK5kREJHQl5REeXfYeTyz/gEFDDuXGGy9o9m3jdiU3I4u+bTrz8aaVbIuWhh2OJDAlcyIiEqr7n3+VfQZexjNTZ3J0Xg/O7Nafi844oVmMG7e7jsjrTjRWwf/WLg07FElgSuZERCQUsViMMZOe5eYxE6iIVjBvwjy2fbCWlplZYYeWMPZq0YYuOa15e/0yYrFY2OFIglIyJyIie1xpeZRHlr3LP//69HdjqpWVRSke80jIkSWeI/K6szGyg083rwo7FElQSuZERGSPWrljC3/74k3e3/g1l4xwyMnxSuKa80DAu6Nvm860SM/kLXWEkFoomRMRkT1i8tRZ7FVwMddPnMC30TKcrv244dzTKRp5Wcp3dtiZzPR0Dm63Fwu2rWNdybaww5EEpGRORESa3FNT3uL60eOIRsqxD82m/fwy+rbpTEZaOoVDC9TZYRcOb9+NxbOXcPBxV2uuVvkeJXMiItKkNpbtYPjocUTKogBEy8r5+1+fIi2FBgHeXf+b8TFzJswlGi3nhuLxSuikCiVzIiLSZBZsXcvfvpjB4J9nlMGEAAAgAElEQVQNIsufb1Rt4+qvaMxEomVeR5GS0jKGF40LOSJJJErmRESk0cViMaavWci4hW+TnZ7JjeedRdFNahvXUMWjLv+uo0hmdgZ3F18bckSSSDLDDkBERJqXJ6e8yQ2jxzPwigJOOulohnTuQ152LnsPHcDpQweEHV5Siie/f7x1AgOGFXDY4H7hBiQJRSVzIiLSaCa8+Aa//NN4yqPlzJ0wj/RPtpCXnRt2WM1C4dACZk0bywGD9mP6mkVhhyMJJGFL5hzHSQOuAs4DcoHXgFtc1435248Efgt0AdYAv3Fdd3lI4YqIpLwFW9fy2z8/QEW0AoBIWZRbb3+MH552bMiRNR85GZn0b9eFjzatZGPZdvKyW4YdkiSARC6Z6wt0Bs4ATgT6AecEtl8C/Np13R8AE4F/7fEIRUSEWCzGzLWLGbfwbU65+niyNQhwkzoirzsVxHhzjQYRFk/Clsy5rjsfuCW+7DjO10A0sP3GwO5Lg9tERKTpTZ46i+FF47h4uEP04Nb0apnHsPOP5oROfSgaM1EdHZpIh+yW9GyZx9wNyzm964FkZWSEHZKELC3RJ+51HGcf4CZgq+u6v622LRv4KXAWcG1N1ayO41wNXA3QsWPHo/7xj380fdAiIs3cS2/M4/d/e5TSsggZWRmcd83JXHHqCbTISNgygmZlRekWXtm4GCevD0e16Rp2ONJE8vPz6zQYY0Inc47jXAMMAUa7rvtFtW37A/cA9wOT423pdmbEiBGxsWPHNkWoIiIppWvBJUQilRUiWVmZzJ1xT4gRpZZYLMaDS+bSIiOLkQeeGHY40nTqlMwl7C2U4ziHA8e5rntRLbvcB1ziuu6qPRiWiEjK+3zLao69YiCzHnqb8rJycnKyKBp5WdhhpZS0tDSOyOvB9DULWbh1Hfu16Rh2SBKihE3mgELgGMdxZgTWTQdK8To8HA086ThOfNsO13UL92iEIiIpZubaxTz71cccefyBFHTYm3/+9Wm1jQtJ/7ZdmLV2CdPXLFIyl+ISNplzXfc24Lad7NJuT8UiIpLK4h0dfjLidMr6t2Lflnmc2GV/2vfK5eIzhoQdXsrSMCUSl8hDk4iISMgmT53FDcXjKYtEmTj2Zco/2sRpXQ+kvQYCTghH5nVn0ezFHGiuZPLUWWGHIyFRMiciIrW6vmgcJaVlAJRHynnmnldpmZkVclQSN3vGJ8yZMJdotJwbiscroUtRSuZERKRG3+zYwpArDRlZ3jhmGgQ48RSNmUi0rByAktIyhheNCzkiCYOSORER+Z4vt65l7Jcz6TNoX4b/6jyysjLV0SEBFY+6nBx/xo3M7AzGjv55yBFJGBK2A4SIiOx5k6fO4rqiexn40wEcdfxBnLpXX/bq3YbLzzop7NCkBvHk+o+3TmDAsAIOMvuHG5CEQiVzIiICwDPuTIaPHkc0Us7sCXNo9fkOuua2JS2tTuOWSkgKhxbwv+l3c+Cx+zN9zaKww5EQKJkTEREqYjGuLxpHWZk3q0O0rJy/3Dkp5KikrrLSMzisfVcWbFvHqh1bwg5H9jAlcyIiKS5aUc7Epe8w4IoCsrK91jfq7JB8Ds/rTjppvLFmYdihyB6mZE5EJIWVlEcYv2g2H276hotPH8LNIy9VZ4ck1TozhwPadOKDjV/zbbQs7HBkD1IHCBGRFLU1UsL4RbP5ZscWftCpD4e270bmqb0489SBYYcmDXR0hx7M37qGt9YsorDbgWGHI3uISuZERFLQhBffoM+xP+V/0z9i6F4HcFheNzLTdUlIdl1atKFbblv+t34Z0YrysMORPUS/XBGRFPPAC6/xu1v/Q0W0gtkT5rB0zjIy0nQ5aC6OztubrdFS3t34VdihyB6iX6+ISApZ9u1GRt3yIOX+rAFlZVGKxzwcclTSmPq0zqdtZgveXLM47FBkD1EyJyKSIhZsXce9Cy0nXXUc2f6sAeq12vykp6VxZF537IwP6VpwseZrTQFK5kREUsBnm1czftHbtMrM4cbzzqRIvVabtW/mrWD2Q3OJRMq5oXi8ErpmLi0Wi4Udwx4zYsSI2NixY8MOQ0Rkj5k8dRbXF93LgJ8OoOCEgzltr750atE67LCkiRUMuY5IJPrdcnZWJt/MfSzEiKSB6jT9ikrmRESaqclTZzG8+D4i/vRcLT77VolciigedTk5flV6VnYmdxdfG3JE0pSUzImINFPXFd1LWWkE0PRcqaZwaAFFIy8jIzOdQcMGcNrJqkpvzpTMiYg0QzPXLmbATwvIzM4A1NEhFRUOLWDKK3eyz8CevLlWU3w1Z0rmRESamRlrFjH5q4858aSjGPW7S9TRIYV1adGGHrntsOuXESnXIMLNlabzEhFpRqatXsCL33xGn1b5nLzX/rTukcM5p5mww5IQFXTYm2e//oQ5G5YzuNO+YYcjTUAlcyIizcDkqbPY65iLuevZKezfuqOXyGXmhB2WJIBerTrQITuXN9cuIpVGsEglSuZERJLc5KmzGD56HNFoOXMmzKPi481K5OQ7aWlpHN1hb9aWfssnm1eFHY40ASVzIiJJ7ro/3ktZmTemWLQsypjbNZ6YVHVgmy7kZmTxxpoFYYciTUDJnIhIEpu+ZiEDriggM9trAq1eq1KTzPR0jmzfnaXfbmTZtxvDDkcamZI5EZEk9eaaRbzw9aeccvLR/F69VmUXDsvrRmZaOm+sVulcc6NkTkQkCc1au4Tnvv6EPq3yOanL/px92rHMnXGPEjmpVW5GFge324sXX3mbrgWXaL7WZkTJnIhIkrntqec41xnFtvfWqteq1MvGd1fz9kNziESi3FA8XgldM6FkTkQkidz59Av8869PUxGtYOq/ZzBz2odhhyRJ5M47n6A84g0eXFJaxvCicSFHJI1ByZyISJL4aNM3/PXOJ7+7GJeWRigaMzHkqCSZFI+6nOycLACyszO5u/jakCOSxqBkTkQkCczfsoaJS9+l8Joh5PgXY/VclfoqHFrA6JGXkZGZzuArBnHW0IFhhySNQMmciEiCW7xtPf9ZPJcO2bn86rwzKBp5mXquSoMVDi3gGfdWuhXsjV2/NOxwpBFoblYRkQS2Yvsm7l80m9aZ2ZzapS8dclpROLRASZzslp4t8+iU04o31yzm+E59SE9LCzsk2Q0qmRMRSVD/eeE1jjrhWpbOXkph1350yW0TdkjSTKSlpVHQYR82Rnbwzoavwg5HdpOSORGRBPTwS28wasxDVEQreOuht3l/5udhhyTNzAFtOtE2M4dpaxYQi8XCDkd2g5I5EZEEsy1aym/+9ADlZV6v1bLSCKPHPBxyVNLcpKelcUyHvVlVspX5W9aEHY7sBiVzIiIJpLQ8yr8XzeHYKwaRrflWpYn1b7cXLdIzeW31l2GHIrtByZyISIIoj1UwYek8lm/fyJU/PJk/3qReq9K0stIzODKvO4u/3cCybzeGHY40kJI5EZEEUBGL8cSy9/l8yxoGd9yX/u324vShAzTfqjS5w/O6k5mWzp1Pv0A3zdmalJTMiYiEbPLUWXQruISnp87kmA49OCKvOxlpOj3LnpGbkUXkw408c++rlGnO1qSks4WISIgmT53F8NHjiEbLmTthHpveXUNWekbYYUmKeeqe/2rO1iSmZE5EJETXF91LWVkUgEhZlFtufzTkiCQVFY8aRpbf4aZFTpbmbE0yCT0DhOM4acBVwHlALvAacIvrujF/ezZwFpDtuu7joQUqItIAS7ZtYOBPB/L2hNlEy8rJycmiaORlYYclKahwaAHfRku57Y7Huej6Qs4rHBx2SFIPiV4y1xfoDJwBnAj0A84BcBynHfA80BW4OKwARUQaYm3JNh5YPIfDj+vHr399oXqtSuh+5BzH6Mevh4PbsS1SGnY4Ug8JXTLnuu584Jb4suM4XwNRf9tmb5XTCzg1lABFRBpgW7SU8YtnU0GMoXsdQI/e7bng9OPDDkuEAfk9+XLbOqatWchZ3fuHHY7UUUInc3GO4+wD3ARsdV33xXo+92rgaoCOHTuyfv36JohQRKRuIhXlPLrmEzaWbecH7XvSugw2RzaHHZYIADlAj+w22LVLODqrIzkZSZEmNFv5+fl12i/h/0qO41wDDAFGu677RX2f77ru/cD9ACNGjIjV9YMREWlsT7szub5oHAOvKOCqs4ZySPuupKelhR2WSBWDs/vw5PIP+Kh8I6d17hd2OFIHCd1mznGcw4HjXNe9qCGJnIhIopg8dRYjiu+j3B+CZMXc5UrkJCF1z21H99y2zFy3hEh5NOxwpA7SYrFY2DHUynGcm4BhwMrA6ulAqeu6tzuOcw9ep4iDgXnAb13X/ay21xsxYkRs7NixTRixiEjN9iq4mKg/jhdAVlYmc2fcE2JEIrVb+u0GJn/1MWd3P5ghnfuEHU4qq9MdX0JXs7quextw2062X7cHwxERaZDF29YzSEOQSBLp2TKPzjmtmL5mIYM79iJTA1kntISuZhURSXbrS7fz4JK5HH5cP37zGw1BIskhLS2Ngfk9+WDm5/QYeKmm90pwCV0yJyKSzErKIzyweDbRigqcbgeyd+/2/NjRECSSHBa8vZg5E+YSjZRzQ/F4AA0mnKBUMici0gQqYjEeWfouq0q2cWLn/ejRsl3YIYnUy+gxDxMt03ytyUDJnIhIE/j945P4/YV3kfnJVg5o24k09VyVJFM86nJycrIAyMzOYOzon4cckdRGyZyISCO78+kXePCuF6mIVvD4PVN59bV3wg5JpN4KhxZQNPIyMjMzGDCsgP0H9Q47JKmFkjkRkUa0Yvsm/nrnk5T7w5CUlkYoGjMx5KhEGqZwaAGzZ/yLQwb35ZXVX5LIw5mlMiVzIiKNZGuklP8snsuJVw4m26+eysnJonjU5SFHJtJwGWnpFHTYh292bOGzzavDDkdqoGRORKQRlMcqmLB0HtuipVx7zmkUjbxUw5BIs3FIu660ysjmv6vmhx2K1EBDk4iINIIXvv6URdvWM6RTH3q16kDvoQNwhg4IOyyRRpGZns4xHfZmxtpFzN+yhn5tO4cdkgSoZE5EZDfNXb+ct9Yu5tB2XTm0fVfNuSrN0qHtu5KbkcV/V6p0LtEomRMR2Q3jn3+FM077HZvfW43p2IssTXskzVRWegZH5/Vg6faNLNy6NuxwJEDJnIhIAz328nT+eNtEKqIVvPLvt3hz2gdhhyTSpA7P606L9Eymrvwi7FAkQMmciEgDVMRi/Kr4fsr9EfLLNASJpIDs9AyOyuvB62+8Q9eCSzRna4JQMici0gCvrvqSgVcMICvb60emIUgkVax55xtmPzSXSCTKDcXjldAlACVzIiL19MWWNbyyaj6nnlzAzb/7iYYgkZRyy+2PfjcotuZsTQxK5kRE6mFj2Q4eXvouHbJbcnynfTnztEHMnXGPEjlJGVXnbM3k7uJrQ45IlMyJiNRRtKKCiUvnEYmVc1Ln/WmXnRt2SCJ7XHzO1ozMDAYMO4Yjjzso7JBSnpI5EZE6mDx1Fj0G/ITpb7zHcR33pXvLdmGHJBKawqEFzJo2lr7H7oe78vOww0l5SuZERHZh8tRZjCi+j2i0nLkT5rFi7goNDCwpr0VGJkfl9WDBtnUs2bYh7HBSmpI5EZFduL5oHKWlEQAiZVH+fNsjIUckkhiOyutBdnqGSudCpmRORGQnymMVFF4zhIwsb2YHDUEiUiknI5Oj/dK5xSqdC42SORGRnZjyzee0PbIzP7vhLA1BIlKDI/3SuakqnQtNZtgBiIgkqs+3rGHamoUc1LYLJ/9wf64957SwQxJJOPHSuf+tX8bibevp3To/7JBSjkrmRERqsCVSwmPL3iU/uyUmvydZ6RlhhySSsI7M60FOega3P/083TTN1x6nZE5EpJqKWIxHl71HSXmUIZ33o63GkxPZqZyMTCo+2swL496gTNN87XFK5kREAiZPnUW3gkt45bW5DMrvyT4t24cdkkhSePTuKZrmKyRK5kREfMHx5OZMmMeqeV9rPDmROioeNYysbK8pfk5Olqb52oOUzImI+IYHxpOLlkW55fZHQ45IJHkUDi3g5pGXkp6ZzmlXDeG8wsFhh5QylMyJiPguGu5oPDmR3XDmqQMZ/9wo2hzZic82rw47nJShZE5EBPho00rKD27NhdedqvHkRHbDYe270SojiykrPycWi4UdTkrQOHMikvK2REqYtPwDOue04pxzBvLr838YdkgiSSsrPYMB+T2ZtmYhH29exaHtu4YdUrOnkjkRSWmxWIwnl39AaUWUEzr1oXVmTtghiSS9Q9p1pU1mDq5K5/YIJXMiktLsuqV8tmU1BR32poeGIRFpFJnp6QzM34dVJVt5f+PXYYfT7CmZE5GU9eALr3GuM4ot763hiPbdNQyJSCPq324v2mW1YOrK+VSodK5JKZkTkZT0tDuTUWMeoiJawX///SbTp70fdkgizUpGWjrH5vdibdm3vLNhRdjhNGtK5kQkJQ0vGke0zButvqw0QtGYiSFHJNL89GvbmbysXO56dormbG1CSuZEJOV8vX0zA68YQGZgtHqNKSfS+NLT0uCTLbz+75mas7UJKZkTkZQSrajg8eXv098cwG9+c4HGlBNpYvf9/TnN2drElMyJSEp5bfWXfL1jM8d27Mn5hccxd8Y9SuREmlDxqMvJzs4CIDs7U3O2NoE6DRrsOI4BLgF+AOwN7AA+A14AHnRdd1OTRSgi0ki+2r6Z11Z9yf6tO3Jg2y6kqfeqSJMrHFpAjBh/vHUC5opBnH7KgLBDanZ2msw5jjMI+Ku/OAm4B1gC5AKHAWcDHzuOcz9wu+u6kSaMVUSkwaIVFTy+7D1yM7IwHXuRlZ4RdkgiKcMZOoDDjuvHk8s/4PXVCzij+0Fhh9Ss1JrMOY6TA4wCbnRdd3a1zduBacA0x3FuBm4CzgSebYygHMdJA64CzsNLHF8DbnFdNxbYZ5i/TwwY77ruI41xbBFpnl5b/SXflGxhaJcD6JDdMuxwRFJO99x29GqVx8x1ixnSuQ+tszTbSmOpNZlzXbcUL0HbKdd1NwMjGzMooC/QGTgDL1mbCJyDnyz6idwJeNW+acB4x3EqXNd9rJHjEJFm4P7nX+UPtz7Eub84hX7nd1b1qkhIju/Ym4eXvct/V33Bj/Y+NOxwmo1dVbNeCrzguu6Waut7A//CKzXbAdzguu6CxgrKdd35wC2B430NRAO7/AI4yXXdMn/7COBVQMmciFTx1JSZ/PG2CVREK3hp/DSOzOuhDg8iIenUojV923Ri9vplnNRlP/JUSt4odtUB4gPgMcdxfum67qLA+geAYtd133Qc53DgUaDRWzQ6jrMPXhXuVtd1XwxsauG67tb4guu6WxzHqfEb4TjO1cDVAB07dmT9+vWNHaaIJLARo8cRjXrDIpSWRii6dQLHDugbblAiKeywnI58uXUtzy75gLM76re4M/n5+XXab6fJnOu6HzuOcxkw1nGch1zXneZv2heIt6P7COjW0EBr4zjONcAQYLTrul9U21zuOE52oGQuh6old8H3cD9wP8CIESNidf1gRCT5rSnZxqArBvL2hDlEy6Lk5GRRNPIy2rVrF3ZoIimrHXBwZCOfbl7Nma0OoXOLNmGHlPR2Oc6c67obXde9FBjkOM7P/dUPAI87juMAE/DatDUav7TvONd1L6ohkQOvZ+0fAst/QFWsIhJQEYsxacUH9D22Dzfe+GMNDiySQI7t2Isls5dyyHHXaEaIRlCnceYAXNe91fGMAf4IDAaOAia6rvtGI8dVCBzjOM6MwLrpQKnrurfjDZdS7DjOXLwOEP8F/tnIMYhIEpuzfhmLtq3n+I69Ofr0Hlx4xglhhyQivpnTPmT2hDmUR8sZUXwfAOcVDg45quSVFovFat3oOM7+eGPLZQMleB0P0vGGLPm967or90SQjWXEiBGxsWPHhh2GiDSxzZESbvvsDfJzWnF2t/60yMwKOyQRCSgYch2RSGXrqOysTL6Zqwq2GtSp6/2uqlkfBka5rjsEuBX4j+u6C4FfAXc4jnPcboUoItIEnv3qYyKxCo7r2EuJnEgCKh51OTk53m8zIyuDkSMvDjmi5LarZK4H8J7/eC7QE8CfvmsYcLbjODc0WXQiIvX08aaVfLjpG47M607XXHV0EElEhUMLKBp5GVlZmZzws2PZcWAuO6splJ3bVTL3IPCI39HhMfxeoQCu61a4rnsjsN1xnFubMEYRkTp5YsqbnHTKr1j3jpfMpWtwYJGEVTi0gLkz7mHYmSexsmQr72xYEXZISWunyZzrukXAf4ADgX/5nQ+q7/NvoKhpwhMRqZvJU2fxqz/dT0W0gmkPzGLmtA/DDklE6qB/u73okJ3LlJXzKY9VhB1OUtppMuc4Tg/Xdae5rvs313Vn7GTXLMdxVJ8hIqG5vmgckTKvQXVZWZSiMY06YpKINJH0tDSO79SbTZEdvLlmcdjhJKVakzl/IN7nHMd50HGc/rXt48+w8CFgmihGEZGdqojFKLxmCBnZGQDk5GRRPOrykKMSkbrq3Sqfbi3a8vrqLymJRsIOJ+nUOs6c67qljuMUAJcBzziOUw5MA5bgDVVyBHAi3hhvp7muq3RaRELx9vqltD2yMz8bcSYP3fWyBgcWSTJpaWmc0Lk3Tyz/gFdXfclZPWosQ5Ja7HScuSDHcY4BTgL2xhtz7lNgiuu6q5suvMalceZEmp+tkVLGfP4G+dktObt7f3IyNBSJSLJ6/qtPmP7Ge7z90Bz+VXytBhKu4zhz9ZkBYh4wr8HhiIg0gZe++ZTS8iiD8nsqkRNJcpGPNmIfmk15pJwbiscDmhmiLnY5N6uISKJavG09czes4LD2XeneUn2wRJLdX+58kvJIOQAlpWUMLxoXckTJQcmciCSl8lgFT6/4iLaZORyV14OMNJ3ORJJdcGaIzOxM7i6+NuSIkoPOfiKSdCZPnUX3gp/wvxkfMiB/H9pmtQg7JBFpBPGZITIyMxgw7BgOGdw37JCSQr2TOcdx+jmO86OmCEZEZFcmT53FDcX3EY2WM2fCXJbNXkaaZnoQaTYKhxbw9vS76W8O4PmvP9E0X3VQr2TOcZx/AhOA8f7yAMdx/q8J4hIRqdHwonGUlHrjUEXLyvnz7Y+GHJGINLas9AxMx158s2OLpvmqgzonc47j/AJo4bruQKDMX/05MNRxnJ82RXAiItX94aZLycjS4MAizd3B7brSIbslL6/8nEh5edjhJLT6lMz9EhjlP44BuK67BbgS+FUjxyUi8j0VsRg7DmzBkJ8dS1ZWhgYHFmnG0tPSGNK5D5sjJcxYuyjscBJafZK59q7rbqi+0nXdr4EujReSiEjN5m1Yzoodm7n49CHMmX6PEjmRZq5Xyzz2btmeN1Yv4NtI2a6fkKLqk8ytdRynU/WVjuMcBXwvyRMRaUwl5RFe/uZzurZow0Ftu6jTg0gKSEtLY0inPpRURJmy8vOww0lY9UnmxgB/Ca5wHKc/8ChwS2MGJSJS3aurvmRrtJQBHfahRaZmehBJFZ1btObANl14fMoMuhZcwuSps8IOKeHUOZlzXfcx4HPHcT4E8hzHeQd4G3jIdV11JxORJrO2dBtvrl1Mvzad6NmqQ9jhiMgeVvLhet5+aA6RSJQbiscroaumXkOTuK57B3Aa8BO8krr9Xde9sykCExGJe+HrT8lIS+PovL3JTNdY5yKp5vY7Htc0XztRn6FJDgdwXXel67qTXdd91nXd1Y7jdHAc59amC1FEUtXkqbPoWnAxL73yNoe370anFq3DDklEQlB1mq8Mxo7+ecgRJZb63OK6Na70ergOa5RoRER83kwP44lEypk9YS5r560kXZ0eRFJSfJqvzMwMBgwroEfBPmGHlFAyd7bRcZyrA4stqy3HdQcqGjUqEUl5w4vGURaJAlBeVs7tdz7OuY4JOSoRCUvh0AJOO+UYHl72LlNWfs4Red3JydhpGpMydlUyNyjwL7vacvzfXsCFTRijiKSgvxVdTUa2ZnoQkUppaWmc2Hk/tkZLeXXVF2GHkzB2mtK6rvvdNF2O42QEl0VEmlK7IzszcFgBcx6cq5keROQ7e7dsT59W+by5djGDO/UmLzs37JBCV5+hSS6rbZvjOJoBQkQazebIDmasWcQpJx/N29P/pURORKo4oXMfKmIxXvj6k7BDSQj1qmx2HOcc4FygGxBviZwJ9ALUGlFEGsXUlV8QrajQUCQiUqO87FyOyOvGuxu/Zum2DfRqndrjT9ZnaJJfAKOBV4A1wH+BsUBL4NSmCE5EUs/KHVuYs34Z/dvtxV65bcIOR0QS1KD8XrRIz+RPkybTLcVnhqjPLe8NwJn+bA/7Afe6rvs8MAL4TVMEJyKp56VvPiM7PZOj8rqRkaZSORGpWU5GJumfbGXK+OmUpfjMEPU5U7Z3XXe5/7ir67rbAFzX/R9wfKNHJiIpZ8HWtXy2ZTWHte9Gh+xWYYcjIgnuobte0swQ1C+Z+8ZxnI7+4/WO4/QAcBwnB2jX6JGJSEqpiMV48etPaZuZw2HtupGmAYJFZBeKR11OdrY3M0RWdiZ3F18bckThqE8ydzdwpf/4KeBux3GOAe4DpjV2YCKSWv72zEvccel4yj7cSJus7LDDEZEkUDi0gNE3XUZGZjqDhg3gByceGXZIoajP0CQPAo/4i3cAS4EHgChwTaNHJiIp46kpb/G3vz5JRbSCR/41hf++Ni/skEQkSRQOLeD11/7OvoN68VyKDlWSFovFwo5hjxkxYkRs7NixYYchItXsdczFRKPl3y1nZWUyd8Y9IUYkIslm5trFzN2wguv2M+zfpuOun5Ac6tTeZJclc47jFDiOM9lxnI8dx3nBcZwh1bYf7jjO7AYGKSIprrQ8yglXGjI1dZeI7IYB+T1plZHF5K8+oiKFCqpgF8mc4ziFwCTgBeAy4DngQcdxznAcp/w3UPAAAB9USURBVLXjOHcBLnBvk0cqIs3SzHVL6FrQg1/837lkZWVq6i4RaZDs9AyO69SbVSVbseuWhB3OHrWrGSD+CZzluu7H/vL7juO8CzwL5OANHNzfdd2NTRijiDRTO8ojvLF6AT1b5vHDM/rz07NODjskEUliB7XtwgebvmHqyvkcndeD3MzU6Ey1q2rW9oFEDgB/uSNwoeu6VyuRE5GGmr5mITvKIxyV14Os9IywwxGRJJeWlsZJnffjU/sl+w4aljKDCO8qmSuvZf0Of7BgEZEG2RYp5c01i+jTKp+9W7YPOxwRaSbenzmfORPmEY2WM6L4vpRI6DRXjoiE4o01CyirKOeovO5kputUJCKNo2jMRKJlUQBKSyMpMSvErtrM5TiOcwrf7xqbXX2967qvNnZwItI8bY7sYObaJRzQphNdczWBjIg0nuJRl1N8+8OUlkbIyMrgxt9cEHZITW5XydzHwKg6rI8BjZ7MOY7TFbgQeMV13c8C69sARcDR/rFvdV339cY+vog0jVdXfUlFLMaR7VUqJyKNK94bvmjMRE68yrDlwBxKy6PkZOwq5UleO31nrusO2UNxfI/jOBcAp/qLK4DPApufAh52XffXjuO0ByY6jrPZdV0NGy+S4Ca8+Aa//fMDnH/dULoc0CbscESkGSocWkDh0AKWb9/I0ys+4pVV8zmr+8Fhh9VkEjZNdV13EjDJcZzRwfWO4+wHlLqu+4S/3ybHca4HbgG+N9Ko4zhXA1cDdOzYkfXr1zd16CJSi5femMdNf3uEimgFz417nf2z8zj5B0eEHZaINFPtSKdXTjveXLOYAzPa0yErN+yQ6iU/P79O+yVsMrcTmXhVq0EVQL+adnZd937gfvCm86rrByMije+mvz5CJOI1TC4ri3LHP5/mvLOHhBuUiDRrQ1seyINL5vL6tuVcu9+xYYfTJJKxscoXQL7jOOfDd+3nRgGRUKMSkV26aPhpZGRp2i4R2XPaZOUwIH8fvti6lo83rQw7nCaRdMmc67ox4GzgB47jvAU8ijfl2KpQAxORnVpX+i0c3I7zrztV03aJyB51dN7etMtqwW1PPUe3gkua3dhzda5mdRzncNd1P6hhfQfgRtd1f9+Ygflt4/4JHABscRxnKLDYdd3bgXLXdX8R2PdCYGZjHl9EGtfrqxeQlpbGsDNO5Hfn/zDscEQkhWSmp5P1yTbeeGAW5ZFybigeD8B5hYNDjqxx1KfNnAt0+97K/2/vzqPsKst8j38rlYkwBEgIhFmZFFRQ6QAqNoMEecS2Va4iKCBeURGC6L0INEK4MiqNiAISBkFvVBRUrvbDICBwUQS6EVEjCiKDyBiGMCVVqVT/sXegKDLUdOqct/L9rJW1au93D0/VW2fXL++eMp+MiAOAIQ1zmXkPsOdSmr8SEVdk5k8jYgPgMCCGcv+Shs6THS9w69wH2HK1Kaw1fpVmlyNpBXTW6T+mq7N6sdX8BR0cetw5K0aYq+8EXWxCr+nF1qO6AWE4HQ6cEhGHA88Cn/EdsVLruuaRu2lrg61XX5dRbb2fQS5JjdfzYcKjx47mGzM/0+yShszyRuZ26PH12F7Ti3VQPdh32GTmC8CM4dynpIF5quNFbnnyfrZY1VE5Sc2z+BrdY0+8iO0O+Cc23+G1zS1oCC3vocEfX/x1RLT3nJakvrj20bvp7oZtVl+X9rbi7rmSNILsMX0au71rWy667zYu+/vved1qazNmVHuzyxq0Ph9ZM3O/iHjpO46IMVHZqjGlSSrd0x0vcvPc+9li1bWY4qicpBYwetQo3rX2ZjzdOZ8rHv5Ts8sZEn0OcxHxQeDUHrMuAP4XcHVEfGioC5NUvuseu4fu7m5H5SS1lI1XXpPNVpnMDY/fy6Pzn212OYPWn6Pr0cC3ACJiLWDVzNwFmF63SdJLvvuzX/Lp95/Ei3c8wdor+Q5WSa1l5ymbMoo2fvjg7+ju7v1iqbL0J8xtUD8uBGAX4DKAzPwjsNZQFyapXJddcRNHnHA+ixYu4vJzr+PqX/xns0uSpFdYdcw43jZ5Y/763Fx++9RDzS5nUPoT5p6rX50FsCtwDUBEjAYWDnVhksp16HHn0NlRv4N1QSfHnXRxkyuSpFd7yxrrs+bYCZz6o8uLfjNEf8Lc94HLIuIo4LWZufj1WQHcMOSVSSrWJw//V9/BKqnljWprY8wfn+f6C35FR+dCDjv+3CIDXX/C3DHAT4ApQM+HB78POH4oi5JUro5FC+l6wyrs+aldfAerpJZ35mk/etWbIUrT59d51S+4PwcgItbuMf8TDahLUqFumfsAzy3sYJ/3vJOZH9mr2eVI0jK98s0Q7Xz9uE83u6R+68+7WYmI9wP/DqwBrBERrwGmZOYtjShOUlm6uhfxy8f+yjrjV2WjlddsdjmStFyvfDPENKZs+6rX0Le8/jxnbleqd6K+FZhfzx4NXBQRb2tAbZIKc8dT/+DJjhd408SpjGvv1/8VJalp9pg+jVuvP4u377Q1+fBdPNMxf/krtZD+XDN3EnBQ/UL7boDMvBvYr26TtALr7u7m2sfuZtLYCWy2yuRmlyNJ/dLW1sb0dbagc1EXl/79zmaX0y/9CXMbZ+ZdvWdm5m3AFkNXkqQS3fXsY/zjxXm8YeI6jB89ptnlSFK/TRo3gW3XXJ/fP/Mwf3zm0WaX02f9CXMLImJs75kRMZV6pE7SiuuaR+9m1dHjeN1qU5pdiiQN2PaTNmK10eO49MHf0bmoq9nl9El/wtxFwME9Z0TEeOBc4NtDWJOkwtz3/JP89bm5bLXaOqzc/qr/80lSMcaMame3dTbnqc4XOfZ7PyziYcL9CXNfBt4VEbOAlSPiNGBOvY3jGlFcaS674qYldnp/5g/FNlppn267NfbZ6G1vt9Mh/P2WB3jDxLVpa2tDkkq28cprMv+OuVx45s+KeJhwW39fLhsRHwB2pjq1em1mXt6IwhphxowZ3WeeeWZDtn3ZFTdx6PHfomNBJ2PGjmavg6fz5h1fz2///5+49Oyr6exYuNz5QJ+XHar5jdyn226NfQ7ntmcetR8xfbuGfMYkaThN2+lgOjtfPs06dsxo/nHr7OEuo0//O+5zmIuImZk5czAVNVsjw9y60/alo/PlV9SOGj2KQy46kG8ecCGLFi7q03ygz8sO1fxG7tNtt8Y+h3PbY8aM5tbrz0KSSnfF1bcy8+SL6ehYyNixY/jGzE/zwT3eMdxl9CnMtc+cObNPW5s9e/bXZ8+e/bN999332cFU1UxXXHHFzD322KMh2954/bW55qY7WNjVxbhxY5h59P7s9dZ/YoP11uJXv/kDXV2Lljt/53du0+dlh2p+I/fptltjn8O67aP2Z7NN1mvIZ0yShtNmm6zHeutO5oZf/Y63H7g9n/vgnoxvH/Y79fv0utT+hLm7gWNmz57943333bfIu1cbGea23GxDNlpvClfdeDvHHPkx9tx9e9ra2th8k/VZb+pkbvz175l51P7E9O2WOr8/yw7VfLdtPwzltn0Hq6SRZLNN1mevfXfh/lVe4NH5z/HWNdcf7hL6FOb6c5r1POD1wHrAzb3bM3Of/lTXDI08zbrY3557km66GTOqvaH7kSRJw+PmJ+7j13Pv54DXbMs2qw/r2Yc+nWbtz/t2bqr/SZIkrTCmTdqQu559jMse/D1brDKFlVrsweh9DnOZeXEjC5EkSWpF7W2j2H2dLfj+A3dw+UN/YO+N3tzskl6hP8+ZIyK2jYibI+LxenqdiNioMaVJkiS1hnVXmsibJk7l+3kDU6ft01LPnetzmIuINwPnA58AFj+DYwpwbUS8vgG1SZIktYwX75jLby66lc7OrpZ6kHB/RuZOAz6ZmXOo38WamXdSveLrqw2oTZIkqWWccMr/paujepDw/AUdHHrcOU2uqNKfMPfGzLyt98zMvBporZPHkiRJQ+z4o/dn3Ljq5ofx48byjeM/0+SKKv0Jcwsj4lXLR8TqQGvd1iFJkjTE9pg+jeOO3I8xY9o5+d8ObMYbIZaoP48m+THwEaD3i8m+WrdJkiSNaHtMn8aOO2/NehMmNruUl/QnzB0J/KK+e3VcRBwC7AOsBOzYiOIkSZK0bH0+zZqZzwHvBOYDvwamA5cA0+o2SZIkDbP+jMyRmZ3A6fU/ACJiQkRsm5mvesWXJEmSGqs/z5m7YSlNXcCFQ1OOJEmS+mOZI3MRMbbH5GYRMYZXv/R1PWDqUBcmSZKk5Vveadb51A8I7jHdUxvQAXxtKIuSJElS3ywzzGXmS6dhI+LhzHQETpIkqYX056HBWzasCkmSJA1In+9mzcynImJdYDtgEr2CYGbOGuLaJEmStBx9DnMRcThwInAT8AjVXayLdQPDFuYiYk3gLKqbLwD+DByWmS8MVw2SJEmtoD/PmTsW2D4z72xUMb1FxFRgb+CqzJzTo+nLwP/LzO/Xy30W+BJw1HDVJkmS1Ar6E+aeHuYg92Fg93ryQaBnmHsYWDci2oB2YEPgL8NVmyRJUqvozw0QV0fErg2rpJfMvCQzDwQeWELzqcB7gfvq9k3xwcWSJGkF1J+RuSOBH0XEgsy8qVEF9dF5wGzgfKpAejhwGvCF3gtGxEHAQQCTJ09m7ty5DS1s3oJ5dAOj2/qTkyVJUime7+pgwoJFdLaPXf7CgzBp0qQ+LdefMHcjsBJwY0Q8yssPE24DujNz3X5VODjbZeYB9dddwGkR8ReWEObqu2xnAcyYMaO7rz+YgZr3XBvddDNmVHtD9yNJkpqjvXMBa0yYyGpjxje7FKB/YW7PhlXRf3+LiHdn5pUAEbE31R2tkiRJK5T+PGfu/kYW0ltEbAqcAWwOzIuI6cC9mXkKcABwRkQcRXWa9R5g/+GsT5IkqRUsM8zV15v1yVA/NDgz72Epo4GZ+Riwz1DuT5IkqUTLG5nboY/bGdaHBkuSJKmyzDCXmR8frkIkSZLUfz4/Q5IkqWCGOUmSpIIZ5iRJkgpmmJMkSSqYYU6SJKlghjlJkqSCGeYkSZIKZpiTJEkqmGFOkiSpYIY5SZKkghnmJEmSCmaYkyRJKphhTpIkqWCGOUmSpIIZ5iRJkgpmmJMkSSqYYU6SJKlghjlJkqSCGeYkSZIKZpiTJEkqmGFOkiSpYIY5SZKkghnmJEmSCmaYkyRJKphhTpIkqWCGOUmSpIIZ5iRJkgpmmJMkSSqYYU6SJKlghjlJkqSCGeYkSZIKZpiTJEkqmGFOkiSpYIY5SZKkghnmJEmSCmaYkyRJKphhTpIkqWCGOUmSpIIZ5iRJkgo2utkFLE9ETAX2Bq7KzDn1vC2Bs3stuhZwemZeMMwlSpIkNU1Lh7mI+DCwez35IDAHoA51O/VYbmXgZuAHw1yiJElSU7X0adbMvCQzDwQeWM6inwMuyMznh6EsSZKkltHSI3N9ERFrAB8Cpi2l/SDgIIDJkyczd+7chtYzb8E8uoHRbS2dkyVJ0gA939XBhAWL6Gwf29D9TJo0qU/LFR/mgCOAb2TmgiU1ZuYsYBbAjBkzuvv6gxmoec+10U03Y0a1N3Q/kiSpOdo7F7DGhImsNmZ8s0sBCg9zEbEOsAewbbNrkSRJaoaWDnMRsSlwBrA5MC8ipgP3ZuYp9SLHAKdm5sJm1ShJktRMLR3mMvMeYM8ltUXExsD2wIzhrEmSJKmVlHyV/irAxzNzUbMLkSRJapaWHplblsz8Q7NrkCRJaraSR+YkSZJWeIY5SZKkghnmJEmSCmaYkyRJKphhTpIkqWCGOUmSpIIZ5iRJkgpmmJMkSSqYYU6SJKlghjlJkqSCGeYkSZIKZpiTJEkqmGFOkiSpYIY5SZKkghnmJEmSCmaYkyRJKphhTpIkqWCGOUmSpIIZ5iRJkgpmmJMkSSqYYU6SJKlghjlJkqSCGeYkSZIKZpiTJEkqmGFOkiSpYIY5SZKkghnmJEmSCmaYkyRJKphhTpIkqWCGOUmSpIIZ5iRJkgpmmJMkSSqYYU6SJKlghjlJkqSCGeYkSZIKZpiTJEkqmGFOkiSpYIY5SZKkghnmJEmSCja62QUMVETMAPYB2oCHgRmZ+UBzq5IkSRpeLR3mImIqsDdwVWbO6TH/X4ANgR0yszsiNgDeABjmJEnSCqVlw1xEfBjYvZ58EJjTo/ljwMXAlRGxEnADcNLwVihJktR8LXvNXGZekpkHsuTRttcDOwPvBXYCFgDnDF91kiRJraFlR+aWYwrwxcxcWE+fEBG/i4jxmTm/54IRcRBwEMDkyZOZO3duQwubt2Ae3cDotpbNyZIkaRCe7+pgwoJFdLaPbeh+Jk2a1KflSg1zf+sR5BZ7kSWMNGbmLGAWwIwZM7r7+oMZqHnPtdFNN2NGtTd0P5IkqTnaOxewxoSJrDZmfLNLAVr4NOtyXBMRRy6eiIiPAA9m5gtNrEmSJGnYtezIXERsCpwBbA7Mi4jpwL2ZeQrwZeCkiPgVsAj4M/CJphUrSZLUJC0b5jLzHmDPpbTNBz4/vBVJkiS1nlJPs0qSJAnDnCRJUtEMc5IkSQUzzEmSJBXMMCdJklQww5wkSVLBDHOSJEkFM8xJkiQVzDAnSZJUMMOcJElSwQxzkiRJBTPMSZIkFcwwJ0mSVDDDnCRJUsEMc5IkSQUzzEmSJBXMMCdJklQww5wkSVLBDHOSJEkFM8xJkiQVzDAnSZJUMMOcJElSwQxzkiRJBTPMSZIkFcwwJ0mSVDDDnCRJUsEMc5IkSQUzzEmSJBXMMCdJklQww5wkSVLBDHOSJEkFM8xJkiQVzDAnSZJUMMOcJElSwQxzkiRJBTPMSZIkFcwwJ0mSVDDDnCRJUsEMc5IkSQUzzEmSJBXMMCdJklSw0c0uYFkiYiqwN3BVZs5pdj2SJEmtpmXDXER8GNi9nnwQmNOj7Y3Ad4Bneqyya2Z2DV+FkiRJzdeyYS4zLwEuiYiZS2jeBTgxMy8d3qokSZJaS8uGueXYFXgwIj4FzAeOy8zbl7RgRBwEHAQwefJk5s6d29DCXljwHM91dTR0H5IkqblWXtBNZ/uYhu5j0qRJfVquuDAXEW3AFOCkzPxNRGwKXBYR0zPz0d7LZ+YsYBbAjBkzuvv6gxmoNbvXpLuhe5AkSc02qq2t2SW8pLgwl5ndwPY9pu+JiNnAdOC7TSus1tbWRut0ryRJGulaNszVI25nAJsD8yJiOnBvZp4SEWtk5lM9Fh8LdDajTkmSpGZq2TCXmfcAe/aeHxGrAddFxN6Z+eeI2Ar4APCu4a5RkiSp2Yp7aHBmzgM+CpwcEdcDxwAfyswnm1qYJElSE7TsyNyyZOYfqUbjJEmSVmjFjcxJkiTpZYY5SZKkghnmJEmSCmaYkyRJKphhTpIkqWCGOUmSpIIZ5iRJkgpmmJMkSSqYYU6SJKlghjlJkqSCGeYkSZIKZpiTJEkqmGFOkiSpYG3d3d3NrmHYRMTjwP0DWHUy8MQQl6PmsC9HDvtyZLE/Rw77cug8kZnvXt5CK1SYG6iI+M/M3LbZdWjw7MuRw74cWezPkcO+HH6eZpUkSSqYYU6SJKlghrm+mdXsAjRk7MuRw74cWezPkcO+HGZeMydJklQwR+YkSZIKNrrZBUiSyhYRawBnAxtT/V1JYGZmeuqnMBGxK/AloJuqL8/LzO80tyotj6dZlyEiVgO+CmwNPA4cnpn3NLeqFVdEtAGfBD4IrAT8AjgBGAMcD+wEPA8clZm39VjvgHq9buDczPxuj7btgBOBVYBrqf4AddZtU4GvUf2B+hvwucx8tJHf44oqIiYCz2fmwoH2SUSMZYC/BxqciJgNfD0zb62n3wf8BngM+ALwAaATODkzr+yx3nuAI6g+w5cCX1scACNic+B0qmeW/RY4IjOfrds8NjdARIwG7gR2zMy59WfqOuATVJ83j7MtytOsy3YZcHlmbk91QPpBRKze5JpWZFsAU4A9gV2A1wHvp7rY9l7gbcDHgDMjYhN46QDzz8DOwK7ArhGxb922OXAG8FFgB6oHSp9dt40FfgqcXvf/GcBP64OdhlBETAbuANYfZJ8M6PdAgxMR6wIvVl/GjRFxNbCw/oN8HDAR2BF4L3BYROxYr7czcAjV53lHYE3g6LptEvB9qpC2PfAfwA977NZjc2MsAp4B1qqn16QKZ3PxONvSDHNLERFvAR7LzATIzL8AFwD7NbWwFVhm3pWZJ2RmZ2YuBB4CVgU2zczzMrM7Mx8G/g/w2Xq1g4EZmdmRmQuAGcChddshwLGZ+Ui97ixgq/qPwp7ANYtHGjLzFuBGIIbr+10R1Aftc4D76lkD6pP6j/9Afw80OG+mCmM3ZeY7qY6RR9dhbS/guMzsysx5wOeBw+v1Dqfqk2czs4sq+O1dt+0PfCsz7wbIzJ8D8yLiTR6bGyczF1F9Lm6OiDuBe6gCVjceZ1uaYW7pNgH+1GveH4HNm1CLeoiIDSPinHpyDnBXr0V69tP4xadmAOo/KBPqySX18V3Apktps/+H3mnAWbz8mr2B9slrGfjvgQZndeDqzLwGIDMfoQpqRwCP1AFhsbuo+gpgI6qwQL1eF/B4PVK7rL72s9kgEbEW1ajZ9pn5Jqqf9UEM7vPlcXYYGOaW7iFgw17zNgYeHP5StFhEfAo4FTgjM49g+f3UVQ/lL15/HLCwnlzWuvZ/g0XEQcA9mXl9j9kD7ZPB/B5ocB4E5vea9zzwNNVlET1tADxcf/0oMLVX+1pUp/T8bDbHjlTB/M8A9anyc6muhfM428IMc0t3C7B1RLwRXrpb62Dge02tagUWEdtQXZj7kR4Hm38ACyPiXfUy44F/Ay6sV7sEOKbHZo4BZtdffxs4rl6HiNgNeLY+gP0c2CsiNqjbNgT+heraHQ1SRLwDeHNmfrNX04D6ZJC/BxqcW4CdImIrgIhYierGpNnAryPiwHr+KODLwPn1ehcCJ9bziYj/CVxf3wDxParr69ao295EdY3sbXhsbqTbgen16OjivvwYcBUeZ1uad7MuQ0S8huoU0Br1rKN6jSJoGEXEUcABvPw/e4CfUB00zqI6bdMOfDUzf1ivM5rqDqzdgDbgSqo7qbrq9r2pLqDuorqT6pDMnFu3bUN1vcg4qpGHwzLzzsZ+lyuG+u7HjanucAR4A9Upt48C2zKAPqn/AA3o90CDExFbUt15uhLV4yxmZebFEbFyPX8bqj65ODO/0WO9zwH7Ul14fzvwhcx8oW7blSoUAjwJHJyZ99dtHpsbpA5bx1D1yTiqPjt3MJ8vj7ONZ5iT1HQRcT1wQGbe1+RSJKk4nmaV1AoewWvYJGlAHJmTJEkqmCNzkiRJBTPMSZIkFcwwJ0mSVDDDnCRJUsEMc5IkSQUzzEmSJBXMMCdJklQww5wkSVLBDHOSJEkFM8xJkiQVzDAnSZJUMMOcJElSwQxzkiRJBTPMSZIkFWx0swuQpEaJiHHA/wb2BSYCbcCvgRMy87dDsP2vA/+Vmd8Z7LYkaaAMc5JGsrOATmCHzHy6Dnf/CnwF2G2wG8/Mwwa7DUkarLbu7u5m1yBJQy4iVgUeBSZmZmez65GkRnFkTtJI1UZ1jFsFeGpJC0TENsCxwNuBhcAvgcMz8/GI2A34cmZu32udHYDTMvPtEXER8JvM/FZEHABsC8wCTgHeQjUq+LHMvL7H+u8GTgPWAh4Cvgj8M/D3ejsrAacD7wFWBu4CvpSZ1w36JyJpRPIGCEkjUmbOA34KXB8Re0fEpCUsNh04GZgKvIZqJO/Cuu0aYK2IeH2vdT5BFdiWZEuqIPb5zFwHOKnnshGxB/Bt4JDMXJsqsB0I7NRjGzOpAujrgMnAocCuy/+OJa2oHJmTNJLtC+wHfBL4dkTMAX4CnJ2ZT2bmV3os2xERXwSeiYjxmTk/Is4HPg4cARARK1MFwEOXsr+tgU0zc/FI4HnA6RExKTPnAqcCn1k8UpeZD0fER4Hbe2xjC+BHmflCPX17r3ZJegXDnKQRq75W7gLggoiYQDUC9lngkxExDXgjcCTVKNh84Aaq061rA/dTjaLdGhFHZ+ZC4EPA5Zn54lJ2eU2PIEdmLoyIJ4BJEQFVUPt5rxq7IqLnnbUnAf8eEdsD1wLXZ+bTg/gxSBrhPM0qaYWQmS9k5T3AHOAA4CKq06wbUQW6bwLdVNfbkZmPALcBe9SbOZCln2KlXre3LqpjbVs93baEZXrWeWtm7gicAUwBfhQRp0fEMteTtOIyzEkakSJi1YhYdynN9wDtwM8y89rM7KpH3n7HqwPZLODjEbE50J6Zvx9IPZn5BPAX4L1LaN58Ccv/NTNnUZ3WfR+w1UD2K2nk8zSrpJFqB+D8iDgR+GFmPlWPbu1GFaj2B74bEZtl5t0RsTbVKN1oXnlsvBo4k+qu0/MGWdNhwOyIWABcSXW36gnAmgAR0Q78ADgbuCEzFwHvANYAHhnkviWNUI7MSRqRMvNqIIBpwO0R8SjwADAD+B+ZeQPVw4Ovi4iHgEuBy4DZVCNhi7fTDXwH+CBwySBruo7qpoyTgSeoHoVyJXALsCgzu6hukpgBPBgRD1M9xuTD9cieJL2KDw2WpGESEeMyc8ES5v8XcGxm/kcTypJUOE+zStLwmRURfwLOycxn6rdUHEV1k8QvmluapFJ5mlWShs+nqa6P+219CvVOYFVgz8zsaGplkorlaVZJkqSCOTInSZJUMMOcJElSwQxzkiRJBTPMSZIkFcwwJ0mSVDDDnCRJUsH+G5FszgqYRMoqAAAAAElFTkSuQmCC\n", "text/plain": [ "" ] }, "metadata": {}, "output_type": "display_data" } ], "source": [ "# CODE FOR CUSTOM GRAPHICS NOT INCLUDED" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "From the graph above, we see that the 360 account pays a stable **1.85%** until you have \\$35,000 in savings. Once you cross that threshold, the interest rate shoots up to a peak of **2.30%** at savings of \\$70,000 before dropping back down. " ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "## UOB One Account\n", "Next, we compute the yield curve for the UOB One account, assuming we spend \\$500 on UOB credit cards and either (1) credit our salary or (2) make three GIRO transactions." ] }, { "cell_type": "code", "execution_count": 6, "metadata": {}, "outputs": [], "source": [ "# Set up table\n", "uob = pd.DataFrame(np.arange(2000, 91000, 1000), columns = ['savings'])\n", "\n", "# Compute base interest\n", "uob['base_interest'] = uob.savings * 0.0005\n", "\n", "# Create bracket\n", "uob['bracket'] = 15000\n", "uob['zero'] = 0\n", "\n", "# Compute savings in excess of brackets\n", "uob['f1'] = uob.savings - 0\n", "uob['f2'] = uob.savings - 15000\n", "uob['f3'] = uob.savings - 30000\n", "uob['f4'] = uob.savings - 45000\n", "uob['f5'] = uob.savings - 60000\n", "uob['f6'] = uob.savings - 75000\n", "\n", "uob['f1'] = uob[['f1', 'bracket']].min(axis = 1)\n", "uob['f2'] = uob[['f2', 'bracket']].min(axis = 1)\n", "uob['f3'] = uob[['f3', 'bracket']].min(axis = 1)\n", "uob['f4'] = uob[['f4', 'bracket']].min(axis = 1)\n", "uob['f5'] = uob[['f5', 'bracket']].min(axis = 1)\n", "uob['f6'] = uob[['f6', 'bracket']].min(axis = 1)\n", "\n", "# Create columns for savings within brackets\n", "uob['s1'] = uob[['f1', 'zero']].max(axis = 1)\n", "uob['s2'] = uob[['f2', 'zero']].max(axis = 1)\n", "uob['s3'] = uob[['f3', 'zero']].max(axis = 1)\n", "uob['s4'] = uob[['f4', 'zero']].max(axis = 1)\n", "uob['s5'] = uob[['f5', 'zero']].max(axis = 1)\n", "uob['s6'] = uob[['f6', 'zero']].max(axis = 1)\n", "\n", "# Set up columns for bonus interest\n", "uob['salary_giro'] = 0\n", "uob['credit_cards'] = 0\n", "\n", "# Compute interest for salary\n", "uob.salary_giro = uob.s1 * 0.0035 + uob.s2 * 0.005 + uob.s3 * 0.0065 + \\\n", " uob.s4 * 0.008 + uob.s5 * 0.0238\n", "\n", "# Compute interest for credit cards\n", "uob.credit_cards = 0.0145 * (uob.s1 + uob.s2 + uob.s3 + uob.s4 + uob.s5)\n", "\n", "# Compute total interest\n", "uob['total_interest'] = uob.base_interest + uob.salary_giro + uob.credit_cards\n", "\n", "# Compute effective interest rate (EIR)\n", "uob['eir'] = uob.total_interest / uob.savings\n", "\n", "# Delete unnecessary columns\n", "uob.drop(['s1', 's2', 's3', 's4', 's5', 's6', \n", " 'f1', 'f2', 'f3', 'f4', 'f5', 'f6'], axis = 1, inplace = True)" ] }, { "cell_type": "code", "execution_count": 7, "metadata": {}, "outputs": [ { "data": { "image/png": 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\n", "text/plain": [ "" ] }, "metadata": {}, "output_type": "display_data" } ], "source": [ "# CODE FOR CUSTOM GRAPHICS NOT INCLUDED" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "We see that there are minor jumps every \\$15k as per their incentive structure, and a huge jump to a peak of **2.44%** for the \\$75k bracket." ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "## MayBank SaveUp Account\n", "MayBank's base interest rate varies with your savings balance, but its bonus interest rates do not. Hence, the overall interest rate is consistently high for savings up to \\$60,000." ] }, { "cell_type": "code", "execution_count": 8, "metadata": {}, "outputs": [], "source": [ "# Set up table\n", "maybank = pd.DataFrame(np.arange(2000, 91000, 1000), columns = ['savings'])\n", "\n", "# Create bonuses for base interest\n", "maybank['zero'] = 0\n", "maybank['base1'] = 3000\n", "maybank['base2'] = 47000\n", "\n", "maybank['b1'] = maybank.savings - 0\n", "maybank['b2'] = maybank.savings - 3000\n", "maybank['b3'] = maybank.savings - 47000\n", "\n", "maybank['b1'] = maybank[['b1', 'base1']].copy().min(axis = 1)\n", "maybank['b2'] = maybank[['b2', 'base2']].copy().min(axis = 1)\n", "\n", "maybank['b2'] = maybank[['b2', 'zero']].copy().max(axis = 1)\n", "maybank['b3'] = maybank[['b3', 'zero']].copy().max(axis = 1)\n", "\n", "# Create brackets for bonuses\n", "maybank['thresh'] = 60000\n", "maybank['f1'] = maybank.savings - 0\n", "maybank['f1'] = maybank[['f1', 'thresh']].copy().min(axis = 1)\n", "\n", "# Calculate base interest\n", "maybank['base_interest'] = maybank.b1 * 0.001875 + maybank.b2 * 0.0025 + \\\n", " maybank.b3 * 0.003125\n", "\n", "# Calculate interest from products\n", "maybank['first_product'] = maybank.f1 * 0.003\n", "maybank['second_product'] = maybank.f1 * 0.005\n", "maybank['third_product'] = maybank.f1 * 0.0195\n", "\n", "# Compute total interest\n", "maybank['total_interest'] = maybank.base_interest + maybank.first_product + \\\n", " maybank.second_product + maybank.third_product\n", "\n", "# Compute effective interest rate (EIR)\n", "maybank['eir'] = maybank.total_interest / maybank.savings\n", "\n", "# Delete unnecessary columns\n", "maybank.drop(['zero', 'base1', 'base2', 'b1', 'b2', 'b3', 'thresh',\n", " 'f1'], axis = 1, inplace = True)" ] }, { "cell_type": "code", "execution_count": 9, "metadata": {}, "outputs": [ { "data": { "image/png": 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\n", "text/plain": [ "" ] }, "metadata": {}, "output_type": "display_data" } ], "source": [ "# CODE FOR CUSTOM GRAPHICS NOT INCLUDED" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "With the MayBank SaveUp account, we can hit a maximum of **3.02%** with savings of \\$60,000." ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "## Comparison of Yield Curves [TLDR]" ] }, { "cell_type": "code", "execution_count": 10, "metadata": {}, "outputs": [ { "data": { "image/png": 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\n", "text/plain": [ "" ] }, "metadata": {}, "output_type": "display_data" } ], "source": [ "# Combine data\n", "df = pd.DataFrame()\n", "df['savings'] = ocbc.savings\n", "df['ocbc_eir'] = ocbc.eir\n", "df['uob_eir'] = uob.eir\n", "df['maybank_eir'] = maybank.eir\n", "\n", "# CODE FOR CUSTOM GRAPHICS NOT INCLUDED" ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "Comparing all three yield curves, it is clear that Maybank gives us the best interest rate across all levels of savings, assuming that we can capture all the bonus interest from MayBank. This provides us with three key insights: \n", " \n", "### Aim for MayBank First\n", "If you have (1) a salary greater than \\$2,000, (2) monthly expenses exceeding \\$500 that can be paid via credit card, and (3) monthly bills totalling \\$300 that can be paid via GIRO, dump your first \\$60,000 in savings in **MayBank**. \n", " \n", "### Optimise Based on Amount of Savings\n", "If you are drawing salary, you could go with either UOB or OCBC, depending on how much savings you have. \n", " \n", "1. **From \\$0 to $15,000:** Go with *UOB*. Both UOB and OCBC offer the same interest rate. But, your bank balance is going to increase over time, and the bank that offers the best interest rate in the next bracket is...\n", "2. **From \\$15,000 to \\$41,000:** *UOB*. This is because UOB increases the interest rate in brackets of \\$15,000, while OCBC increases its rate once, at \\$35,000. By the time your savings hits \\$41,000, the benefits from the 360 overtakes the benefits from the One.\n", "3. **From \\$41,000 to \\$68,000:** *OCBC*, because it pays an additional 0.9% of interest on the second \\$35,000 you dump into your account.\n", "4. **\\$68,000 and Above:** *UOB*, because we hit the \\$15,000 bracket that jumps 1.58% in interest from the previous bracket. \n", " \n", "Don't forget to sign up for a credit card and charge at least \\$500 to it.\n", " \n", "### There's Always *One* Way Out\n", "If you are not drawing salary, *UOB* is your only option. If you have 3 bills to pay each month, your savings interest will still be higher than that of a 360 account for most savings levels. If you don't have 3 bills to pay each month, you can still collect 1.50% on the One account with a credit card spend of \\$500. " ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "# Excess Savings\n", "For families who (1) have sufficient expenditure to meet MayBank's three criteria and (2) have savings above \\$60,000, it is fairly clear where your excess savings should go: **UOB**. Recall that UOB does not require that we credit our salary every month: \n", " \n", "| Transaction | OCBC | UOB | MayBank |\n", "|--------------|------|----------|---------|\n", "| Salary | Yes | Optional | Yes |\n", "| GIRO | No | Optional | Yes |\n", "| Credit Cards | Yes | Yes | Yes | \n", " \n", "This means that the One account can be complementary to the SaveUp and 360 accounts, as long as we have (1) 3 bills to pay and (2) \\$500 in credit card expenses." ] }, { "cell_type": "markdown", "metadata": {}, "source": [ "# Conclusion\n", "In conclusion, we established a hierarchy of bank accounts. MayBank is No. 1 with the highest interest, while UOB and OCBC come in at second, depending on the level of savings. A unique characteristic of UOB's One account is that it does not require us to credit our salary. This makes the One account an excellent option for any excess savings. All we need to do is sign up for a UOB credit card and charge \\$500 to it, and pay 3 bills via GIRO if we have any other bills to spare. The interest from the One account will not be as high as that from the SaveUp account, but it is the next-best place to deposit your money." ] } ], "metadata": { "kernelspec": { "display_name": "Python 3", "language": "python", "name": "python3" }, "language_info": { "codemirror_mode": { "name": "ipython", "version": 3 }, "file_extension": ".py", "mimetype": "text/x-python", "name": "python", "nbconvert_exporter": "python", "pygments_lexer": "ipython3", "version": "3.6.6" } }, "nbformat": 4, "nbformat_minor": 2 }