This post will cover my strategy on cash management and how I apply some financial concepts into practical use. Since the landscape is always changing and everyone has different needs, goals and risk tolerances, this might not fully apply to you, but it should hopefully give you some idea on how to navigate this space. This post comes amid a landscape of falling bank interest rates especially for the ones that don’t require special conditions such as salary crediting and credit card spend.

When we compare fuss-free high yield savings accounts without special requirements, then a few like Stanchart Jumpstart and CIMB FastSaver come to mind.

	Singapura Finance Vivid Account	CIMB Fastsaver	SCB JumpStart	RHB HYSA Plus
Features:
Projected Annual Yield (net of fees)	1.05% (first $10K) 1.30% (next $10K) 0.25% (above $20K)	0.50% (first $50K) 0.80% (next $25K) 1.50% (next $25K) 0.40% (above $100K)	1% (first $20K) 0.1% (above $20K)	1.05% (first $50K) 1.55% (next $25K) 2.0% (next $25K) 0.60% (above $100K)

...