Liquid Cash
We all like to make our liquid cash work harder for us. Treasury Bill recently was 4.4% (getting hot) but no guarantee that you will get the amount you want, money will also be locked up for 6 or 12 months.
Of course, there is OCBC 360 giving 4% and UOB ONE giving 5% but you need to do quite a few things before you can get the rates.
For those who want real liquid money (and hassle free) I would recommend 3 options. I will never share things that I never use, so as disclaimer I have all 3 of the options below.
Option 1: MoneyOwl

It is investing in Fullerton SGD Cash Fund – Class A (SGD) which invested mainly in SGD Fixed Deposit and backed by Temasek. MoneyOwl itself is under NTUC income. It is as safe as you can get!
Insure, invest, or do a financial planning with MoneyOwl and get welcome Grab credits when you join using my referral link/code. I’m already a happy MoneyOwl client, you should check it out too!
You can use my referral link (or key in 6SHU-93MC) to get free $20-$60 Grab Vouchers when you invest with them.
Moreover, there is a promotion until 31 Dec 2022 now where you can get $20 worth of WiseSaver units by 31 January 2023 if you open WiseSaver Account.

Option 2: FSM

The Autosweep rate is 2.556% now, you can take the money out within 1 day if you submit before 3pm to your verified account. Very safe if you see what it is invested in below.

Personaly I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSM to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.
Option 3: Singapore Saving Bonds

Latest rates above, backed by Singapore Government and you can take out within a month. Best of all you will be locked for 3% rate for next 10 years regardless how the interest rate change from now onwards.

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If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources:
For quick references to these resources, you can see below.
- Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
- MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
- Trust Bank – a new digital bank. A unique partnership backed by Standard Chartered Bank and FairPrice Group. You can get free bank account with no minimal balance and credit card with no annual fee ever. KNDBPEPT.
- FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
- Hostinger: You can use this link for hosting your new website.
- Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂
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