We all know by now that it’s not the best idea to leave our excess cash in a bank savings account. After all, with some savings accounts giving as low as 0.05% per annum interest, the meagre returns are insufficient in helping us beat inflation in the long run. Meanwhile, high-yield savings accounts such as multiplier accounts with higher interest rates may make you jump through more hoops to unlock higher interest rates. Maybe you’re not keen on parking your cash in the Singapore Savings Bond (SSB) for 10 years or Singapore Government Securities (SGS) bonds for the full tenor (up to 50 years). Maybe you’re seeking an alternative to fixed deposits. Or maybe you are looking for a place to stash your cash until the looming global recession tides over. Whatever the reason, if you’re hoping to reap a higher return on your excess cash, T-bills might just be your answer. In this guide, we will dive into the  ...