There was a time where I dumped all my excess cash into DBS Multiplier. It earned a good 2.3%, and was completely liquid. Boy, those were the good days.

Unfortunately, now that I’m based overseas, I’m in an unfortunate situation where I have some excess SGD that I want to generate interest on short term, and yet still be able to access at a moment’s notice.

Normally, I would go with the Singapore Savings Bonds for something like that, but the complete collapse of the Singapore Government Securities (SGS) yield curve has been a bit of a bother.

I’m sure most of you are familiar with how the Singapore Savings Bond (SSB) works, but I’ll just summarise it quickly for the newer investors.

The Singapore Savings Bond is basically a special bond created by MAS, that is a hybrid between a