As interest rates continue to normalise in 2026, where you park your idle cash can make a meaningful difference — especially for Singapore investors who are balancing liquidity with safety in a lower-yield environment. In this roundtable, we list some of the most popular low-risk places to store your cash, discuss how their current interest rates compare today, and highlight the key trade-offs between liquidity, stability, and returns — so you can decide where your emergency funds and short-term savings can work harder while waiting for opportunities in the stock market.
00:00 Intro
01:43 SSB
03:17 Fixed deposits
06:35 SGS
11:45 HYSAs
17:39 MMFs
24:37 Ranking
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Great discussion! How about corporate bonds such as HDB, Temasek etc..
With the wars in Middle East and increased energy cost, I feel like ROI on REITs would fall, based on the increased operating costs, especially for Data Centres – which I had otherwise thought would do well based on increased demand with AI. Could you guys cover this please?
Can you guys review PSA and PLD REITs and their valuations? They have the highest credit ratings in REITs, so maybe when credit freezes, they may be able to raise money with corporate bonds?
2% interest 😅for an Indian investor, one can just pick an arbitrage fund or a fixed deposit with over 6% interest
🎉 Hello from Germany, An interesting topic. The most important point: only buy what you understand. On my first visit to Singapore in 1987, I bought gold Panda coins, and it hasn't been a mistake to this day. I bought a few every year, and also some silver Panda coins, until 2015. It wasn't a complicated decision. History explains it well enough. The annual profit is sufficient for me. I wish you all the best.
I put my money in properties sg, aussie, bkk many yrs ago now just collect rentals for my retirement funds lah.👍💕🇸🇬
great topic, considering markets have remainder quite elevated, not many opportunities to enter. thanks.
Good info! What are the speakers view on cash mgt tools like the StashAway Simple Plus for low risk n short term parking?
Thank Guys very much for doing this episode. Always get confused with all these options, period to redeem, limitations etc. now i have better understanding. ❤❤❤
Since i bought 3 tranches of SSB few yrs ago @ yearly rate of at least 3.19% . I rather subscribe 11000 keppel reits Right issue shares @ 96cts last mth . Bought 10000 genting shares @ 71.5 cts last dec n today 8000 shares @ 72cts . Keppel reit 's mgmt had stated they likely 2 sell some assets to lower gearing ratio as they bought 2 new assets last yr . Genting yearly 4cts dpu per yr dividend yield is much higher than UOB , the bank unable to give out special dividends of 25cts for 2H25 😅
you are right. i made this oversight as well on potential rights to hit on individual counters. so far have not need to sell others to fund rights yet. NOw, just guai guai buy CFA
This video means park cash and wait like a crocodile😂
Why you guys only look at options limited to fiat money? T-Bills, SSB, REITs all which had 3rd Party risk. Last 12, 24 and 36 months, USD had depreciated by 80.5%, 153.9% and 186.6% compared with the oldest asset Gold. All Central banks are buying physical gold, what the smart money know we don’t? Be your own Bank, buy some real physical assets like gold, silver, land, farm, mines, house, non perishable commodity. To make money and keep afloat, all Banks will promote fiat based products to keep themselves profitable. Be the Bank ourselves and do what smart Central banks do not talk.
white to yellowish…..hahahahha
Those platforms who offer auto sweep to MMFs, are there any transaction fees to it? Will I "lose" money if my funds keep getting swept in, then withdraw from MMF, and sweep in again?
Banks profits are down and down but share prices are up and up. Even UOB lowers dividiends…
FD rates are too pathetic to be even recommended now.. will place MMF ahead.
Buy-In exponential growth stocks like CNMC Goldmine & LAC.
Happy New Year!
2026 i park my cash on my car porch~~
Does SSB compound?
Thoughts on CSOP USD MMF?
happy CNY guys, what if you have 5 mil in cash? where is the best place to put for dry powder? as ssb has a cap of 200k… does fds have cap? does super low risk income products make sense by endowus or syfe?
30% FD, 30% SSB, 40% REITs
REITS are paying 5% around
You could put into Mari Invest SavePlus to earn 1.7%. Thoughts?
For those above 55 years old, can park your idle cash in your CPF Ordinary Account via Voluntary Housing Refund at a risk-free rate of 2.5% p.a. with no lock-in period (can withdraw anytime):
https://www.cpf.gov.sg/member/growing-your-savings/saving-more-with-cpf/make-a-voluntary-housing-refund
Happy CNY & tks
Happy CNY! Thanks for the sharing and Toto reminder.. HuatAh!!
Thanks for the video, 👍. Perhaps you can help us to cover some good passive income fund with at least 5 to 6%.
Is FSMOne auto sweep good? Risky?
Adam, nice color!
How bout IB01?
Huhuhu.. SBS God of fortune juz knocked today… Will take Adam's recommendation, this Fri toto draw… If I kena, can join your fund? 🙂
Interesting… thought HYSA would rank higher
Second!🥈
Happy CNY! Will you guys be giving us a sg banks results update as an angbao? Results were not as good, wanna hear your thoughts.
新年快乐