What happened?

Interest rates have stayed low in November 2025. Several popular savings accounts, including the UOB One Account, UOB Stash Account and MariBank Savings Account, have announced that their interest rates will be reduced again from December. Meanwhile, the 6-month Singapore T-bill yield has dipped in recent auctions, while the best fixed deposit rates in Singapore have largely stabilised at current levels. These changes have led many in the Beansprout community to relook at the best places to park their idle cash and to earn passive income in Singapore.  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 where are the best places to grow our savings in today's low-interest-rate environment. We’ll cover: The latest interest rates on fixed deposits, T-bills, SSBs, and money market fundsPros and cons of each optionWhat I personally look at when deciding where...