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? Interest rates continue their decline in July. We saw the yield on the 6-month Singapore T-bill dip further to 1.85%. The best fixed deposit rates in Singapore have also fallen. Meanwhile, popular savings accounts like UOB One and UOB Stash have also cut their interest rates. From 1 August 2025, the interest rate on the OCBC 360 savings account will be lowered. After we shared a few ways to generate passive income in Singapore, there was much discussion in the Beansprout community on the best places to park cash savings amid falling rates. In this article, I’ll break down some popular options such as T-bills, fixed deposits, Singapore Savings Bonds (SSBs), and money market funds to see how where they stand right now. We’ll cover:

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

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