I am going to share with you about (i) how you can get better interest rates than putting money into banks' fixed deposits (FD)and (ii) avoid the queues. First of all, there is the Singapore Savings Bonds (SSB). I have written about SSB and why it could be part of our emergency funds in 2018. In recent months, SSB interest rates had been more and more attractive and I have been building a laddered SSB since then. You can read more about the benefits and features about the the SSB in that post. The best thing I like about SSB is the ability to redeem it early with accrued interest. October 2022 SSB effective interest rate for 10 years is 2.75%. In fact, I am expecting November 2022 SSB to be above 3%! So watch out for it, you have been informed in advance. I am not going to waste time writing about SSB since you can find more under the SSB label....