Your assumption that Selfwealth will pass on all interest over a set rate is incorrect. For example:
Source: https://api.selfwealth.com.au/api/v3.1/InvestorData/Announcement?UniqueId=47692542
Selfwealth can pay interest to clients at its discretion. They likely would do so at some point, but as shown above, it may not apply to all the cash the company holds.
I'm sure we can all agree - rising interest rates are a huge win for Selfwealth
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