Okay, here’s a breakdown of the details provided in the text, organized for clarity. I’ll categorize it by investment type and highlight key rates as of December 12, 2025 (or nearby dates as specified in the text).
I. fixed deposits (FDs)
* Tenure & Rates (as of Dec 12, 2025):
* 3 months: 1.40% (ICBC & BOC)
* 6 months: 1.40-1.41% (Maybank, ICBC, MariBank)
* 9 months: 1.20% (BOC)
* 12 months: 1.20% (BOC)
* 1, 8, or 12 months: 1.30% (GXS Savings Account via Boost Pockets)
* Source: Various bank websites.
II. Singapore T-Bills
* 6-month T-bill Yield:
* December 4,2025 Auction: 1.41%
* November 20, 2025 auction: 1.39%
* Note: The increase in T-bill yield aligns with current 3-month and 6-month FD rates.
III. High-Yielding Savings Accounts
* UOB Stash Account: Up to 1.50% p.a. on $100,000 deposits. Also, a “Season of Gold Savings Promotion” offering up to $340 in cash for new deposits.
* GXS Savings Account:
* Boost pocket: Up to 1.38% p.a.
* Savings Pocket: 1.18% p.a.
* DBS Multiplier (promo): Up to 2.5% p.a. on the first $100,000 (for new customers crediting salary and signing up for a DBS yuu Card) + up to $680 in cash rewards.
* OCBC 360 Account (Promo): Up to 2.45% p.a. on the first $100,000 + 0.50% p.a. bonus for new customers crediting salary (Nov 1 – Dec 31, 2025).
IV. Singapore Savings Bonds (SSB)
* SBJAN26 GX26010A (December Issuance):
* 1-year interest rate: 1.33%
* 10-year average return: 1.99% (slightly higher than previous SSB’s 1.85%)
* Next SSB (Projected): 2.18% 10-year average return (as of Dec 12, 2025).
* Note: SSBs offer flexibility to redeem at any time.
V. Cash Management Accounts (CMAs)
* General: Aim for higher returns than standard savings, with more flexibility than FDs. Invest in money market funds or short-term debt. Not capital guaranteed and not insured by SDIC.
* Examples:
* Moomoo Cash Plus
* Longbridge Cash Plus
* Tiger Vault
* Webull Moneybull
* Syfe Cash+ Flexi
* Endowus Cash Smart
* Mari Invest
* Phillip Smart Park
* Fullerton SGD Cash Fund (as of Dec 12, 2025): ~0.82% p.a. (7-day annualized yield).
VI. Guaranteed Rate Cash Management Accounts
* Syfe Cash+ Guaranteed: Offers guaranteed rates generated by investing in Singapore bank fixed deposits. (Details of the rate are not provided in the text).
Critically important Considerations:
* Promotional Offers: many of the higher rates are tied to promotional offers with specific requirements (e.g., salary crediting, new customer status).
* Risk: Cash Management Accounts (especially those not guaranteed) carry risk as they are not insured by
