{"id":27598,"date":"2026-01-11T10:15:51","date_gmt":"2026-01-11T02:15:51","guid":{"rendered":"https:\/\/sgbuzz.com\/?p=27598"},"modified":"2026-01-11T10:15:51","modified_gmt":"2026-01-11T02:15:51","slug":"where-to-park-your-cash-for-higher-yield-t-bills-vs-fixed-deposit-vs-ssb-jan-2026","status":"publish","type":"post","link":"https:\/\/sgbuzz.com\/?p=27598","title":{"rendered":"Where to park your cash for higher yield? T-bills vs Fixed Deposit vs SSB (Jan 2026)"},"content":{"rendered":"


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What happened?<\/h2>\n

As we start the new year, I\u2019ve been reviewing where to park my spare cash.<\/p>\n

After all, we have seen the Singapore 6-month T-bill yield bounce to 1.6% in the latest auction<\/a>. We have also seen an increase in the best fixed deposit rates in Singapore<\/a>.<\/p>\n

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,\u00a0<\/p>\n

These changes have sparked more discussion within the Beansprout community<\/a> about where to park our idle cash and earn passive income in Singapore<\/a>.<\/p>\n

In this article, I\u2019ll 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.<\/span><\/p>\n

We\u2019ll cover:<\/p>\n