Optimal ING Maximiser Transfer
Yo,
Dunno where else to post this but the account leaderboard sheet really helped me plan out my finances for my young family, so wanted to give back I guess, if this is useful.
This is a desmos plot of how much you should transfer out of your ING Maximiser account when it hits 100k, and how much to deposit back into it monthly to keep the bonus rate. Mostly driven by the lost month of interest.
It's prefilled with the current Maximiser and Accelerator rates, and setting the deposit slider (D) to $1 gives the best peak. The value at the crosshairs on the X axis is the amount to transfer, $19010. And the value of Y there is the amount of interest you earn on the 100k, split between the two accounts, over how long the maximiser takes to be refill.
The intersect of the green line with the red also tells you how many months before you have to transfer again, so basically 46 months with these rates.
Is this useful? Idk, it ended up with quite a wide plateau so it doesn't matter a heap, but I didn't know that until after I had built the thing lol