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As Singapore marks its 61st National Day, I\u2019ve been thinking about what financial independence means in practical terms.<\/p>\n
For me, part of it is making sure my spare cash is working hard enough, while still keeping it accessible when I need it.<\/p>\n
The latest 6-month Singapore T-bill cut-off yield has risen further to 1.59%<\/a>, , while the best fixed deposit rates in Singapore have also moved higher<\/a>.<\/p>\n Savings accounts are also becoming more competitive<\/a> with many offering attractive promotions and rates.<\/p>\n Meanwhile, the latest Singapore Savings Bond (SSB) issued was also higher than the previous month, with a 10-year average return of 2.25%.<\/a><\/p>\n With these changes, I have seen more discussion in the Beansprout community<\/a> about where best to park our spare cash, while keeping our liquidity pot<\/a> accessible for short-term needs.<\/p>\n In this article, I\u2019ll compare some popular options such as T-bills, fixed deposits, Singapore Savings Bonds (SSBs), savings accounts and money market funds to find out which options offer the best yields in August.\u00a0<\/p>\n Firstly, let’s take a look at the latest 6-month Singapore T-bill.\u00a0<\/p>\n The cut-off yield on the\u00a06-month T-bill in Singapore rose to 1.59% in the recent auction on 30 July 2026<\/a>.\u00a0<\/p>\n This represents an increase in yield from the previous 6-month T-bill auction on 16 July 2026.<\/a><\/p>\n With the increase in the latest auction, the 6-month Singapore T-bill yield would be highest <\/span>since the start of the year.<\/p>\n If you are new to investing in the T-bill, check out our comprehensive guide to Singapore T-bills<\/a> to learn more.<\/p>\nLatest 6-month Singapore T-bill offers yield of 1.59%<\/h2>\n