Where to Park Your Cash for Higher Yield: T-Bills vs Fixed Deposits vs SSB (Updated for 1.92% T-Bill Yields)

The Investing Iguana

Where to Park Your Cash for Higher Yield: T-Bills vs Fixed Deposits vs SSB (Updated for 1.92% T-Bill Yields)

Mon 28 Sep 2026 | Daily Long-Form

Today's long-form is the ⭐ Members Edition, made free for everyone.

The Numbers

The 6-month T-bill just cleared at 1.92%, its highest print this year. Most fixed deposits are still under 1.70%. CPF OA pays 2.5% for October to December 2026, but that money cannot be touched in an emergency. At S$100,000, DBS balance bands can cut the effective FD rate on anything above S$20,000. Syfe Cash+ Enhanced shows a 3.0% projected return, but the data behind it is dated 17 November 2025, so I treat that figure as stale.(Correct me here if you have updated data, so that we can share with the community).

My Personal Take

My first reaction to 1.92% was to compare it with the fixed deposit rates I keep seeing advertised. What I almost missed is that the headline rate is not what decides this. Your balance band and how soon you might need the cash do. It took me a while to connect the CPF OA 2.5% to the T-bill number, because they answer different questions: one pays more but is locked, the other pays less but you can reach it. That split between cash you may need soon and cash you can leave alone is where the full piece spends its time. Let the numbers speak, kopi-o in hand. 🦖

⭐ Members Edition YouTube: https://youtu.be/3bDVf2mOiBE

📩 Substack: https://investingiguana.com/p/where-to-park-your-cash-for-higher-d75

Not financial advice. Iggy's Forensic Compliance Standards apply.

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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Most fixed deposits are still under 1.70%. CPF OA pays 2.5% for October to December 2026, but that money cannot be touched in an emergency. At S$100,000, DBS balance bands can cut the effective FD rate on anything above S$20,000. Syfe Cash+ Enhanced shows a 3.0% projected return, but the data behind it is dated 17 November 2025, so I treat that figure as stale.(Correct me here if you have updated data, so that we can share with the community).</p>\n<p></p>\n<p>My Personal Take</p>\n<p>My first reaction to 1.92% was to compare it with the fixed deposit rates I keep seeing advertised. What I almost missed is that the headline rate is not what decides this. Your balance band and how soon you might need the cash do. It took me a while to connect the CPF OA 2.5% to the T-bill number, because they answer different questions: one pays more but is locked, the other pays less but you can reach it. That split between cash you may need soon and cash you can leave alone is where the full piece spends its time. Let the numbers speak, kopi-o in hand. 🦖</p>\n<p></p>\n<p>⭐ Members Edition YouTube: https://youtu.be/3bDVf2mOiBE</p>\n<p>📩 Substack: https://investingiguana.com/p/where-to-park-your-cash-for-higher-d75</p>\n<p></p>\n<p>Not financial advice. Iggy's Forensic Compliance Standards apply.</p></body></html>","htmlText":"<html><head></head><body><p></p>\n<p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/958963cd162bda8b8b0b15ce3654fb5d\" tg-width=\"1536\" tg-height=\"2752\"></p>\n<p><strong>Where to Park Your Cash for Higher Yield: T-Bills vs Fixed Deposits vs SSB (Updated for 1.92% T-Bill Yields)</strong></p>\n<p>Mon 28 Sep 2026 | Daily Long-Form</p>\n<p></p>\n<p>Today's long-form is the ⭐ Members Edition, made free for everyone.</p>\n<p></p>\n<p>The Numbers</p>\n<p>The 6-month T-bill just cleared at 1.92%, its highest print this year. Most fixed deposits are still under 1.70%. CPF OA pays 2.5% for October to December 2026, but that money cannot be touched in an emergency. At S$100,000, DBS balance bands can cut the effective FD rate on anything above S$20,000. Syfe Cash+ Enhanced shows a 3.0% projected return, but the data behind it is dated 17 November 2025, so I treat that figure as stale.(Correct me here if you have updated data, so that we can share with the community).</p>\n<p></p>\n<p>My Personal Take</p>\n<p>My first reaction to 1.92% was to compare it with the fixed deposit rates I keep seeing advertised. What I almost missed is that the headline rate is not what decides this. Your balance band and how soon you might need the cash do. It took me a while to connect the CPF OA 2.5% to the T-bill number, because they answer different questions: one pays more but is locked, the other pays less but you can reach it. That split between cash you may need soon and cash you can leave alone is where the full piece spends its time. Let the numbers speak, kopi-o in hand. 🦖</p>\n<p></p>\n<p>⭐ Members Edition YouTube: https://youtu.be/3bDVf2mOiBE</p>\n<p>📩 Substack: https://investingiguana.com/p/where-to-park-your-cash-for-higher-d75</p>\n<p></p>\n<p>Not financial advice. Iggy's Forensic Compliance Standards apply.</p></body></html>","text":"Where to Park Your Cash for Higher Yield: T-Bills vs Fixed Deposits vs SSB (Updated for 1.92% T-Bill Yields) Mon 28 Sep 2026 | Daily Long-Form Today's long-form is the ⭐ Members Edition, made free for everyone. The Numbers The 6-month T-bill just cleared at 1.92%, its highest print this year. Most fixed deposits are still under 1.70%. CPF OA pays 2.5% for October to December 2026, but that money cannot be touched in an emergency. At S$100,000, DBS balance bands can cut the effective FD rate on anything above S$20,000. 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