We share the best ways to earn a yield on your cash through fixed deposits, Singapore T-bills, SSBs and money market funds. What happened? As we progress halfway through 2025, we continue to see interest rates decline. The yield on the 6-month Singapore T-bill dipped further to 2.05%, and the yield on the 1-year Singapore T-bill  declined to 2.29%.  At the same time, interest rates on popular savings accounts like UOB One and OCBC 360 has been cut, now offering up to 3.30% p.a. Even the best fixed deposit rates in Singapore have fallen too. Many in the Beansprout community have been discussing the best places to park cash savings amid falling rates. In this article, I’ll break down some of the most popular options — T-bills, fixed deposits, Singapore Savings Bonds (SSBs), and money market funds — to see how they stack up right now. Here’s what we’ll cover:

• The latest interest rates on fixed deposits, T-bills, SSBs, and money market funds

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