Cash Hoard

UOBOne. Max it out. 100K maximum in there nets you 5% pa when conditions are met.

OCBC360. Max it out. 100K maximum in there nets you 3.8% pa when conditions are met.

SSB. Max it out. 200K cap maximum. This period you can get >3% interest for 10 years guaranteed. Good to consider a ladder.

TBills. No cap but locked in for 6 months. This period you can get nearly 4% for 6 months locked in is really good. Only risk is 6 months later, interest rates might have dropped who knows. Good to consider a ladder.

FD in obscure bank. Fixed Deposits in those less popular consumer banks like RHB, ICBC, SBI or Maybank can give you around 3.5% now for a full year. 

Just doing all this gives you free money, near zero risk. Again, seriously, NEAR ZERO RISK! And a lot more than what all these have netted you just 12 months ago.

What’s not to like?

Passive income at its best.

Shiok.