With interest rates (Term Dep and Online Acts) looking like they are not heading upwards any time soon, I'm considering what to do with money that is currently getting 1.2% in ME and MacQuarie bank online saver accounts.
At 66 years old and now retired fully, I still qualify for putting money into my super Rollover Account and I'm comptemplating putting some cash into this (around $50K to $100K) as an alternative to the bank. In escence, it would be using the Rollover account as an alternative to a Term Dep / online savings act. Medium term plan would be to either merge the Rollover and existing Income Stream accounts, or draw down from the Rollover account while other funds are still in Term Deposits (2.9% until May 2022)

EFTs are another option that I have statrted to explore but money in the Rollover Act is easily accessible, the fees are known, profits taxed and money easily accessible.
What have I missed in my considerations?