To the above blog title, I should add, 'in a relatively safe manner'. Risk and returns are directly related, so if you want to beat OCBC 360's 3.05% pa returns, you can always invest in the stock market with the potential risk of having capital losses. Here, I'm going to try beating the 3.05% returns, as well as equal it in terms of the risk of losing your capital. Possible? Read on. We all know what's so great about OCBC 360 account. If you hit certain milestone conditions, you get stepped up interest ranging from 0.05% to 1.05%, 2.05% and finally a max of 3.05%. There's some disadvantages to this though: 1. For those who can't change their salary code, you will have to forsake the 1% interest for crediting your salary every month 2. For those who can't pay more than $400 on ......