Recently, many of us have experienced various high yielding interest bank accounts (the likes of DBS Multiplier, UOB One, OCBC 360 and even CIMB FastSaver) butchering cutting interest rates, even Singapore Savings Bonds rates have plummeted too. There's many products out there using higher interest to attract crowds saying that no longer accepting new sign-ups or slashing interest rates thereafter. While it is expected considering the low to negative interest rate environment, it is quite frustrating. In fact, I stopped updating the ever falling OCBC 360 interest rates because nowadays the interest from it is so little that I just leave the cash inside for short term needs and shift the rest elsewhere. With many products, I thought it would be hard to track on top of my own finances (especially I have multiple brokerage accounts). So after much thought, I decided to partition my funds in a simple way while earning a reasonable amount of interest....