This is some extra thoughts and ideas I would like to share which is related to my previous two posts Singapore high yield savings accounts Part 1 and Part 2

In this post, I will share how you could possibly combine two (or more) accounts from UOB, DBS and OCBC to achieve more synergy and gain more interest on your deposits.

Diminishing Yields

The TL;DR from the previous two posts is that all three accounts have shortcomings and advantages. However what is common among them is that yields max out at a certain deposit amount and any additional money poured into the account reduces the overall yield.

For DBS, the maximum yield is at $100,000

For UOB One, the maximum yield is at $75,000 deposited at 1.846% p.a.

For OCBC, the maximum yield is at $70,000

Combining Multiple Accounts

If you plan to save more than $70,000, $75,000