To The Moon

With SORA continuing its downward trend, fixed deposit rates across Singapore have softened—but there are still a few attractive picks if you’re seeking steady returns. DBS offers one of the most competitive rates right now at 2.45% p.a. for 12 months, with a minimum deposit of just $1,000. For shorter terms, Bank of China offers 2.20% p.a. for 6 months with as little as $500 needed via mobile placement. If you’re depositing larger sums, HL Bank and State Bank of India offer 2.35% p.a. for 6 months, though they require $100,000 and $50,000 respectively. On the flexible side, MariBank’s savings account provides 2.28% p.a. without any lock-in period, minimum balance, or hoops—great for liquidity. Meanwhile, StashAway Simple Guaranteed and Syfe Cash+ Guaranteed both offer 2.15% p.a. for 3-mon

As global uncertainty persists and investors search for safe havens, Singapore’s financial markets continue to absorb waves of capital. One clear indicator? The 3-month Singapore Overnight Rate Average (SORA), a key benchmark of short-term borrowing costs has been sliding steadily. Recently, it hovers around just 2.10%, far below what some might have anticipated. For savers and investors, this raises a pressing question: Should we still bother with fixed deposits, or are there better alternatives out there? Why I Don’t Use Fixed Deposits Personally, I don’t park my money in fixed deposits and I don’t have a favorite bank for them either. My reasons are simple: Low interest rates Lack of flexibility: Money locked in for 6 to 12 months might earn a bit of interest, but what if I suddenly nee

🔍 SORA has been trending lower — the 3‑month SORA is now around 2.26 %, with 1‑month SORA at about 2.19 % (June 2025) . This steady decline reflects stronger capital inflows and easing borrowing demand in Singapore, a clear signal that monetary conditions are loosening. But what's the broader picture for fixed deposits? 📌 Context  • SORA replaces SIBOR/SOR as the benchmark for SGD lending — it's fully transaction‑based and more transparent . • Historically, 3‑month SORA peaked near ~3.6 % in late 2024 and has fallen over 130 basis points in a year — a meaningful downward trend . • MAS expects SORA to edge lower through 2025 as inflation eases, though upside risks remain if global and U.S. rate narratives pivot . 💡 Insights for Fixed Deposit Strategy 1. Right‑time your FD – With floati

this strategy is not for everyone only those reach 65yrs. you can top up yr cpf retirement acc max up to 400k plus n earn guaranteed interest rate 4pc

Since the FD rate is so low, why don't people just invest in the stock market? The dividend is more return compared to fixed deposit! $Tiger Brokers(TIGR)$ is always my  best choice!

dbs and also will buy good shares

🌟🌟🌟It is time to rethink the appeal of Singapore's Fixed Deposits with SORA and TBill yields continuing to decline.  A good alternative to consider is Tiger Vault, Tiger Brokers' ingenious cash management solution. Tiger Vault is a great cash management tool for Singaporean investors to grow idle cash safely via automated money market fund investments.    It is money that never sleeps. @Tiger_SG @Tiger_comments @TigerStars @CaptainTiger

With the SORA keeps falling, banks have adjusted their fixed deposits rates downwards. Cash management accounts offered by Tiger Traders can provide higher interest rates than traditional savings accounts. Tiger Vault aims to generate returns for idle cash with no lock-in period. Thank you @Tiger_SG @icycrystal

No longer have any fixed deposits as most funds are already used for investments.

It really depends on your stage in life. But nevertheless why put your money in fixed deposit when there is singapore government bond?

buy sg banks and reits, or singapore saving bonds, dividend paying stocks, and high savings account. these may be better than fixed deposits. spread everything out evenly.

 @koolgal @Universe宇宙 @HelenJanet @rL @GoodLife99 @Shyon @Aqa @SPACE ROCKET @LMSunshine I guess I would put [USD]  [USD]  [USD]  in dividend stocks as it beats the bank interest rate [Smile]  [Smile]  [Smile]  The 3-month Singapore Overnight Rate Average (SORA)

@koolgal @Universe宇宙 @HelenJanet @rL @GoodLife99 @Shyon @Aqa @SPACE ROCKET @LMSunshine I guess I would put [USD] [USD] [USD] in dividend stocks as it beats the bank interest rate [Smile] [Smile] [Smile] The 3-month Singapore Overnight Rate Average (SORA), which reflects borrowing costs, has bee

I think all the fixed deposits rates offered by the banks are poor, so I wouldn’t choose any. I allocate zero percentage of my portfolio to fixed deposits as the rates cannot beat inflation and they cannot beat the liquidity of cash in the bank. Liquidity is important to me so that I can buy stocks readily when there are dips. A balanced portfolio would be dependent on one’s age and risk appetite. Personally, as I am still young, I put 80% in stocks and SREITS for the dividends, while the rest I hold as liquid cash. Liquid cash is important to me as I am also looking for a property to invest in. When I find the suitable one, I would have to sell some of my stocks to buy that property. Hopefully, the rental will help with my retirement plans. As we all know, property is expensive in

Go for apps, the rates are higher. Stashaway man

The 3-month Singapore Overnight Rate Average (SORA), which reflects borrowing costs, has been steadily declining, recently hovering around 2.10%, down several dozen basis points since the start of the year. As a result, major commercial banks have adjusted their fixed deposit (FD) rate policies. Product yields have not only fallen below the critical 3% threshold but in some cases have even dropped below 2%.So, which bank currently offers the best deposit returns?DBS/POSB offers the highest fixed deposit rate at 2.45% for a 12-month term, with a minimum deposit of SGD 1,000 to 19,999. $DBS(D05.SI)$CIMB offers a 2.25% rate starting from 3 months, with a minimum of SGD 10,000.Bank of China Singapore provides a maximum rate of 2.10%

The 3-month Singapore Overnight Rate Average (SORA), which reflects borrowing costs, has been steadily declining, recently hovering around 2.10%, down several dozen basis points since the start of the year. As a result, major commercial banks have adjusted their fixed deposit (FD) rate policies. Product yields have not only fallen below the critical 3% threshold but in some cases have even dropped below 2%.So, which bank currently offers the best deposit returns?DBS/POSB offers the highest fixed deposit rate at 2.45% for a 12-month term, with a minimum deposit of SGD 1,000 to 19,999. $DBS(D05.SI)$CIMB offers a 2.25% rate starting from 3 months, with a minimum of SGD 10,000.Bank of China Singapore provides a maximum rate of 2.10%

As global uncertainty persists and investors search for safe havens, Singapore’s financial markets continue to absorb waves of capital. One clear indicator? The 3-month Singapore Overnight Rate Average (SORA), a key benchmark of short-term borrowing costs has been sliding steadily. Recently, it hovers around just 2.10%, far below what some might have anticipated. For savers and investors, this raises a pressing question: Should we still bother with fixed deposits, or are there better alternatives out there? Why I Don’t Use Fixed Deposits Personally, I don’t park my money in fixed deposits and I don’t have a favorite bank for them either. My reasons are simple: Low interest rates Lack of flexibility: Money locked in for 6 to 12 months might earn a bit of interest, but what if I suddenly nee

🔍 SORA has been trending lower — the 3‑month SORA is now around 2.26 %, with 1‑month SORA at about 2.19 % (June 2025) . This steady decline reflects stronger capital inflows and easing borrowing demand in Singapore, a clear signal that monetary conditions are loosening. But what's the broader picture for fixed deposits? 📌 Context  • SORA replaces SIBOR/SOR as the benchmark for SGD lending — it's fully transaction‑based and more transparent . • Historically, 3‑month SORA peaked near ~3.6 % in late 2024 and has fallen over 130 basis points in a year — a meaningful downward trend . • MAS expects SORA to edge lower through 2025 as inflation eases, though upside risks remain if global and U.S. rate narratives pivot . 💡 Insights for Fixed Deposit Strategy 1. Right‑time your FD – With floati

With SORA continuing its downward trend, fixed deposit rates across Singapore have softened—but there are still a few attractive picks if you’re seeking steady returns. DBS offers one of the most competitive rates right now at 2.45% p.a. for 12 months, with a minimum deposit of just $1,000. For shorter terms, Bank of China offers 2.20% p.a. for 6 months with as little as $500 needed via mobile placement. If you’re depositing larger sums, HL Bank and State Bank of India offer 2.35% p.a. for 6 months, though they require $100,000 and $50,000 respectively. On the flexible side, MariBank’s savings account provides 2.28% p.a. without any lock-in period, minimum balance, or hoops—great for liquidity. Meanwhile, StashAway Simple Guaranteed and Syfe Cash+ Guaranteed both offer 2.15% p.a. for 3-mon

@koolgal @Universe宇宙 @HelenJanet @rL @GoodLife99 @Shyon @Aqa @SPACE ROCKET @LMSunshine I guess I would put [USD] [USD] [USD] in dividend stocks as it beats the bank interest rate [Smile] [Smile] [Smile] The 3-month Singapore Overnight Rate Average (SORA), which reflects borrowing costs, has bee

 @koolgal @Universe宇宙 @HelenJanet @rL @GoodLife99 @Shyon @Aqa @SPACE ROCKET @LMSunshine I guess I would put [USD]  [USD]  [USD]  in dividend stocks as it beats the bank interest rate [Smile]  [Smile]  [Smile]  The 3-month Singapore Overnight Rate Average (SORA)

I think all the fixed deposits rates offered by the banks are poor, so I wouldn’t choose any. I allocate zero percentage of my portfolio to fixed deposits as the rates cannot beat inflation and they cannot beat the liquidity of cash in the bank. Liquidity is important to me so that I can buy stocks readily when there are dips. A balanced portfolio would be dependent on one’s age and risk appetite. Personally, as I am still young, I put 80% in stocks and SREITS for the dividends, while the rest I hold as liquid cash. Liquid cash is important to me as I am also looking for a property to invest in. When I find the suitable one, I would have to sell some of my stocks to buy that property. Hopefully, the rental will help with my retirement plans. As we all know, property is expensive in

🌟🌟🌟It is time to rethink the appeal of Singapore's Fixed Deposits with SORA and TBill yields continuing to decline.  A good alternative to consider is Tiger Vault, Tiger Brokers' ingenious cash management solution. Tiger Vault is a great cash management tool for Singaporean investors to grow idle cash safely via automated money market fund investments.    It is money that never sleeps. @Tiger_SG @Tiger_comments @TigerStars @CaptainTiger

With the SORA keeps falling, banks have adjusted their fixed deposits rates downwards. Cash management accounts offered by Tiger Traders can provide higher interest rates than traditional savings accounts. Tiger Vault aims to generate returns for idle cash with no lock-in period. Thank you @Tiger_SG @icycrystal

Since the FD rate is so low, why don't people just invest in the stock market? The dividend is more return compared to fixed deposit! $Tiger Brokers(TIGR)$ is always my  best choice!

buy sg banks and reits, or singapore saving bonds, dividend paying stocks, and high savings account. these may be better than fixed deposits. spread everything out evenly.

this strategy is not for everyone only those reach 65yrs. you can top up yr cpf retirement acc max up to 400k plus n earn guaranteed interest rate 4pc

It really depends on your stage in life. But nevertheless why put your money in fixed deposit when there is singapore government bond?

Choose $Tiger Brokers(TIGR)$ place some money and buy $ocbc bank(O39.SI)$ fight the fix deposit rate 😆 @Tiger_SG

No longer have any fixed deposits as most funds are already used for investments.

Go for apps, the rates are higher. Stashaway man

dbs and also will buy good shares