In my view, 'capital guaranteed' income is important as it makes your portfolio more resilient and all weathered. It also prevents you from accumulating too much idle cash while you wait for the perfect price entry into equities. Although, nothing is absolutely guaranteed, these pockets of income are less risky than equities and are worry free most of the time. Special savings account - recently, we have seen a rise in these kinds of accounts(OCBC 360, DBS multiplier, SCB Bonussaver, CIMB starsaver). They are basically accounts that can unlock a higher interest once you fulfill certain requirements(credit card spending, salary crediting, monthly savings increment etc). The yields are higher than most fix deposit and you can transfer your cash out anytime, which makes it a no brainer if you can comfortably ......