Hi Jimk, you could ask HC posters or you could ask a highly paid...

Hi Jimk, you could ask HC posters or you could ask a highly paid forex consultant and the answer would have equal value as a guess - imo.

If you think you might gain because the USD might get stronger than it is now or lose because the AUD may get stronger then the only way to take the guesswork out of it (imo) is to divide you balance into equal amounts and time average the exchange rate by transferring those amounts over a period of time - for example 12 equal amounts transferred monthly over 12 months. That's the only way I can think of to avoid taking a loss by transferring the whole amount at one (i.e. the wrong) time.

Cheers, Sharks.