Please read the disclaimer at the bottom of my blog if you wish to continue with the contents below. Lets say you are risk averse, but you do not wish to put your idle cash in a bank for the measly 0.05% interest. A minimum benchmark for your returns in the next six months can be computed for your comparison. Any investment amount can be used, but for simplicity sake, lets use $250k. 50k in 3.05% OCBC 360 and 200k in 1.5% UOB fix Deposit to me is the "minimum return benchmark" you can achieve for the next six months. That would give an average yield of 1.81% p.a for a principal of 250k. 250k x 1.81% x 0.5= $2262.50 This is to me, is the safest investment you can make(if banks don't default). It would give you a risk free return ......