Maya's time deposit and personal goals

It has been some time now since I've opened an account with Maya/PayMaya.

I believe that it is one of the digital banks which yields high interest conservatively out of the options in the market.

As an experiment, I've put a time deposit for 6 months for at least a year now and it yielded approximately 4.7%. (Though it will say it is 6% per annum every 6 months). But still it is not bad.

According to Maya's website, you can add up to 5 active time deposits with a maximum of 1 million each. This is for the Time Deposit Plus. Any amount that exceeds 1 million will not earn any interest. So the maximum amount here would be 5 million if you have 5 accounts.

For the Personal Goals, you can add up to 5 accounts. Though I don't know how to get the 8% per annum in this account.