between 1.10-1.20, you call it fluctuate too much ah....
i think this is acceptable.
anyway, you never know when u are ready, SGD will go up or down
against other currencies. so, i think 50% SGD, 50%NZD should be
appropriate.
i think long term means a few years. of course, i don't sugges it
if you want to keep it for 6 months.
