The place to park your money for greater yield? T-bills vs Fastened Deposit vs SSB (September 2025)

What occurred?

Rates of interest have continued their decline via September 2025, elevating issues for savers and income-seekers.  The newest public sale noticed the yield on the 6-month Singapore T-bill dipped additional to 1.38%.  In the meantime, the finest mounted deposit charges in Singapore have additionally fallen. No-frills financial savings accounts from GXS and Maribank have lower their rates of interest. Standard high-yield financial savings accounts just like the UOB One account haven’t been spared both. These modifications have sparked renewed dialogue inside the Beansprout group about one of the best methods to earn passive earnings in Singapore or the place to park their idle money. On this article, I’ll break down some common choices equivalent to T-bills, mounted deposits, Singapore Financial savings Bonds (SSBs), and cash market funds to see the place are one of the best locations to develop our financial savings in right this moment’s low-interest-rate atmosphere. We’ll cowl: The newest rates of interest on mounted deposits, T-bills, SSBs, and cash market fundsPros and cons of every optionWhat I personally have a look at when deciding the place…