So you’ve got some money squirrelled away. Maybe it’s an emergency fund (aka rainy day fund). Maybe it’s money that you’ve earmarked for a wedding or the downpayment of an HDB BTO flat. Or maybe it’s money that you want to invest, but you haven’t quite figured that sh*t out yet. Source: SpongeBob SquarePants | Giphy How now brown cow? Well, there’re tonnes of financial instruments out there… So… which one should you go with? Let’s take a closer look. Note: the options listed here are correct as of time of writing and will change as we periodically review what are the best options in the market. Remember to bookmark this article for future reference! TL;DR: What Kind of Low Risk, High Interest, Capital Guaranteed Options Are There? Based on the criteria I set out:

• Capital is protected (low risk)
• Fuss-free (no multiple conditions like credit card spend, salary crediting, insurance or investment purchases)

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