We share the best ways to earn a yield on your cash through fixed deposits, Singapore T-bills, SSBs and money market funds in January 2026. What happened? As we start the new year, I’ve been reviewing where to park my spare cash. After all, we have seen the Singapore 6-month T-bill yield bounce to 1.6% in the latest auction. We have also seen an increase in the best fixed deposit rates in Singapore. However, Standard Chartered lowered the rates on its BonusSaver account in January 2026, after UOB One and UOB Stash cut their interest rates in December, These changes have sparked more discussion within the Beansprout community about where to park our idle cash and 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 they stand right now. We’ll cover:

• The latest interest rates on

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