SORA Keeps Falling: Which Bank to Choose for Fixed Deposit?

Safe-haven capital continues to flow into Singapore’s financial markets, pushing major interest rate indicators down more than expected. The 3-month Singapore Overnight Rate Average (SORA), which reflects borrowing costs, has been steadily declining, recently hovering around 2.10%. What's your choice for fixed deposits? What percentage of your asset portfolio is allocated to fixed deposits? What would be considered a balanced proportion? Have you ever planned how to allocate your assets across different types such as fixed deposits, stocks, mutual funds, REITs, and real estate?

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Spiders

2025-06-23

SORA Keeps Falling: Which Bank to Choose for Fixed Deposit?

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 Keeps Falling: Which Bank to Choose for Fixed Deposit?

WeChats

2025-06-21

🔍 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

Arianda

2025-06-24

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

andrew123

2025-06-19

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

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The 3-month Singapore Overnight Rate Average (SORA), which reflects borrowing costs, has been steadily declining, recently hovering around 2.10%.\nWhat's your choice for fixed deposits?\nWhat percentage of your asset portfolio is allocated to fixed deposits?\nWhat would be considered a balanced proportion?\nHave you ever planned how to allocate your assets across different types such as fixed deposits, stocks, mutual funds, REITs, and real estate?","image":"https://community-static.tradeup.com/news/187a191e57cb1313b5da2207a50ecb19","type":0,"style":1,"follow":false,"createTime":1750251870800,"userCounts":2,"rnLink":"https://laohu8.com/RN?name=RNTheme&page=/theme/detail&rndata={\"themeId\":d9cbf9d1f02d495eae0376c81af41095}&rnconfig={\"headerBarHidden\": true}","subscribe":false,"allowSubscriptionFinancial":false,"subscriberCount":0,"allowFollow":true,"hasReward":true,"rewardScore":1000,"rewardValidDate":1750780800000,"rewardEnd":true,"symbols":[],"tweetCounts":38,"categoryId":"d3c66e9d6c224ba082ca76ee654847ca","options":[],"votedOptionId":"","totalUserCount":0,"followStatus":false,"themeName":"SORA Keeps Falling: Which Bank to Choose for Fixed Deposit?","tweetAmount":38,"imageIsDefault":false,"aiDerivativeIssues":[]},"tab":"essen","allList":[{"id":449518958493784,"gmtCreate":1750751507897,"gmtModify":1750753336203,"author":{"id":"4188368163486482","authorId":"4188368163486482","name":"Arianda","avatar":"https://community-static.tradeup.com/news/a7f0bb101ef3dca7417c7c0414ecb5e1","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4188368163486482","authorIdStr":"4188368163486482"},"themes":[],"title":"","htmlText":"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","listText":"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","text":"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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/449518958493784","isVote":1,"tweetType":1,"viewCount":3858,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":449031966884320,"gmtCreate":1750653653209,"gmtModify":1750658160871,"author":{"id":"4159970598736412","authorId":"4159970598736412","name":"Spiders","avatar":"https://community-static.tradeup.com/news/a08fe88b7b62506e5bc7ffed483a03a9","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4159970598736412","authorIdStr":"4159970598736412"},"themes":[],"title":"SORA Keeps Falling: Which Bank to Choose for Fixed Deposit?","htmlText":"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","listText":"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","text":"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","images":[{"img":"https://community-static.tradeup.com/news/cc04c075cf1617df51c74b9c20d2f45a","width":"560","height":"240"},{"img":"https://community-static.tradeup.com/news/478b144b3fb197ffe987aa777b2c3d72","width":"560","height":"240"},{"img":"https://community-static.tradeup.com/news/e117446d64aa27e515409c244c1504fb","width":"560","height":"240"}],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":19,"commentSize":3,"repostSize":1,"link":"https://ttm.financial/post/449031966884320","isVote":1,"tweetType":1,"viewCount":3001,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"10000000000010969","authorId":"10000000000010969","name":"Kristina_","avatar":"https://static.tigerbbs.com/390bb094fc9bb64af7414f37cde534ff","crmLevel":1,"crmLevelSwitch":0,"idStr":"10000000000010969","authorIdStr":"10000000000010969"},"content":"Nice breakdown! Totally agree on skipping fixed deposits — too rigid, especially when better options like SSBs or CPF top-ups exist. I like how you’ve included some equity exposure too. Makes sense to keep things balanced while still catching upside when the market swings.[Grin]","text":"Nice breakdown! Totally agree on skipping fixed deposits — too rigid, especially when better options like SSBs or CPF top-ups exist. I like how you’ve included some equity exposure too. Makes sense to keep things balanced while still catching upside when the market swings.[Grin]","html":"Nice breakdown! Totally agree on skipping fixed deposits — too rigid, especially when better options like SSBs or CPF top-ups exist. I like how you’ve included some equity exposure too. Makes sense to keep things balanced while still catching upside when the market swings.[Grin]"},{"author":{"id":"10000000000011856","authorId":"10000000000011856","name":"JimmyHua","avatar":"https://community-static.tradeup.com/news/7f17d426377c791ac5cdfef91fbf8408","crmLevel":1,"crmLevelSwitch":0,"idStr":"10000000000011856","authorIdStr":"10000000000011856"},"content":"Really thoughtful strategy. Fixed deposits feel outdated with current rates — I also lean toward CPF top-ups and SSBs for that mix of safety and returns. Love the idea of capping stock exposure at 30%, keeps the risk in check while still staying invested.[Happy]","text":"Really thoughtful strategy. Fixed deposits feel outdated with current rates — I also lean toward CPF top-ups and SSBs for that mix of safety and returns. Love the idea of capping stock exposure at 30%, keeps the risk in check while still staying invested.[Happy]","html":"Really thoughtful strategy. Fixed deposits feel outdated with current rates — I also lean toward CPF top-ups and SSBs for that mix of safety and returns. Love the idea of capping stock exposure at 30%, keeps the risk in check while still staying invested.[Happy]"}],"imageCount":6,"langContent":"EN","totalScore":0},{"id":448411850293280,"gmtCreate":1750486413065,"gmtModify":1750489567597,"author":{"id":"4186204260634262","authorId":"4186204260634262","name":"WeChats","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4186204260634262","authorIdStr":"4186204260634262"},"themes":[],"title":"","htmlText":"🔍 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&nbsp; • 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","listText":"🔍 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&nbsp; • 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","text":"🔍 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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/448411850293280","isVote":1,"tweetType":1,"viewCount":2472,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447768431587816,"gmtCreate":1750341303520,"gmtModify":1750342939529,"author":{"id":"3576260758860416","authorId":"3576260758860416","name":"andrew123","avatar":"https://community-static.tradeup.com/news/f2a1eaba26272212d42018e60e78b422","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3576260758860416","authorIdStr":"3576260758860416"},"themes":[],"title":"","htmlText":"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","listText":"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","text":"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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447768431587816","isVote":1,"tweetType":1,"viewCount":4160,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447515391570656,"gmtCreate":1750294845222,"gmtModify":1750294848629,"author":{"id":"4091108376154240","authorId":"4091108376154240","name":"Mrzorro","avatar":"https://static.tigerbbs.com/0aa7353d86c04413c1e18867403db3bd","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4091108376154240","authorIdStr":"4091108376154240"},"themes":[],"title":"","htmlText":"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! <a href=\"https://ttm.financial/S/TIGR\"> $Tiger Brokers(TIGR)$ </a>is always my&nbsp; best choice!","listText":"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! <a href=\"https://ttm.financial/S/TIGR\"> $Tiger Brokers(TIGR)$ </a>is always my&nbsp; best choice!","text":"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!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":1,"link":"https://ttm.financial/post/447515391570656","isVote":1,"tweetType":1,"viewCount":2364,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447470281765160,"gmtCreate":1750283912318,"gmtModify":1750283964618,"author":{"id":"4181877949416372","authorId":"4181877949416372","name":"AN88","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4181877949416372","authorIdStr":"4181877949416372"},"themes":[],"title":"","htmlText":"dbs and also will buy good shares","listText":"dbs and also will buy good shares","text":"dbs and also will buy good shares","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447470281765160","isVote":1,"tweetType":1,"viewCount":2006,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447465947205896,"gmtCreate":1750282559304,"gmtModify":1750304402231,"author":{"id":"3559581955535845","authorId":"3559581955535845","name":"koolgal","avatar":"https://static.tigerbbs.com/c05274d88ffc0434623e57350c52c70a","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3559581955535845","authorIdStr":"3559581955535845"},"themes":[],"title":"","htmlText":"🌟🌟🌟It is time to rethink the appeal of Singapore's Fixed Deposits with SORA and TBill yields continuing to decline.&nbsp; 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.&nbsp;&nbsp;&nbsp; It is money that never sleeps. <a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a><a href=\"https://ttm.financial/U/3501196737273098\"> @Tiger_comments </a><a href=\"https://ttm.financial/U/9000000000000149\"> @TigerStars </a><a href=\"https://ttm.financial/U/3527667618000160\"> @CaptainTiger </a>","listText":"🌟🌟🌟It is time to rethink the appeal of Singapore's Fixed Deposits with SORA and TBill yields continuing to decline.&nbsp; 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.&nbsp;&nbsp;&nbsp; It is money that never sleeps. <a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a><a href=\"https://ttm.financial/U/3501196737273098\"> @Tiger_comments </a><a href=\"https://ttm.financial/U/9000000000000149\"> @TigerStars </a><a href=\"https://ttm.financial/U/3527667618000160\"> @CaptainTiger </a>","text":"🌟🌟🌟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","images":[],"top":1,"highlighted":2,"essential":1,"paper":1,"likeSize":59,"commentSize":10,"repostSize":261,"link":"https://ttm.financial/post/447465947205896","isVote":1,"tweetType":1,"viewCount":8986,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4132300740238052","authorId":"4132300740238052","name":"icycrystal","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"idStr":"4132300740238052","authorIdStr":"4132300740238052"},"content":"thanks for sharing","text":"thanks for sharing","html":"thanks for sharing"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447390546174264,"gmtCreate":1750264530727,"gmtModify":1750264535748,"author":{"id":"4091884160412060","authorId":"4091884160412060","name":"Aqa","avatar":"https://community-static.tradeup.com/news/4a899a6e247bc68815d3a2da3b82a81a","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4091884160412060","authorIdStr":"4091884160412060"},"themes":[],"title":"","htmlText":"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<a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a><a href=\"https://ttm.financial/U/4132300740238052\"> @icycrystal </a>","listText":"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<a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a><a href=\"https://ttm.financial/U/4132300740238052\"> @icycrystal </a>","text":"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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447390546174264","isVote":1,"tweetType":1,"viewCount":2081,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447389034602888,"gmtCreate":1750263964423,"gmtModify":1750263969356,"author":{"id":"4125532638806262","authorId":"4125532638806262","name":"ECLC","avatar":"https://community-static.tradeup.com/news/09fb0c58bc7fe8c4936dcdd44711a4e0","crmLevel":7,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4125532638806262","authorIdStr":"4125532638806262"},"themes":[],"title":"","htmlText":"No longer have any fixed deposits as most funds are already used for investments.","listText":"No longer have any fixed deposits as most funds are already used for investments.","text":"No longer have any fixed deposits as most funds are already used for investments.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447389034602888","isVote":1,"tweetType":1,"viewCount":2396,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447383323128224,"gmtCreate":1750262481459,"gmtModify":1750262485887,"author":{"id":"4090968655092710","authorId":"4090968655092710","name":"LucasOng","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4090968655092710","authorIdStr":"4090968655092710"},"themes":[],"title":"","htmlText":"It really depends on your stage in life. But nevertheless why put your money in fixed deposit when there is singapore government bond?","listText":"It really depends on your stage in life. But nevertheless why put your money in fixed deposit when there is singapore government bond?","text":"It really depends on your stage in life. But nevertheless why put your money in fixed deposit when there is singapore government bond?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447383323128224","isVote":1,"tweetType":1,"viewCount":2431,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447363133645480,"gmtCreate":1750257754002,"gmtModify":1750257757965,"author":{"id":"4096093486770560","authorId":"4096093486770560","name":"highhand","avatar":"https://community-static.tradeup.com/news/200574f2d0554f4c05c65c156ddc6e73","crmLevel":13,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4096093486770560","authorIdStr":"4096093486770560"},"themes":[],"title":"","htmlText":"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.","listText":"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.","text":"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.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447363133645480","isVote":1,"tweetType":1,"viewCount":2385,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447359909581624,"gmtCreate":1750256767375,"gmtModify":1750256771179,"author":{"id":"4101948424484190","authorId":"4101948424484190","name":"Success88","avatar":"https://static.itradeup.com/news/4408e1a22d73e99adb53aa65dde8ad91","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4101948424484190","authorIdStr":"4101948424484190"},"themes":[],"title":"","htmlText":"Choose <a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a> place some money and buy <a href=\"https://ttm.financial/S/O39.SI\">$ocbc bank(O39.SI)$</a> fight the fix deposit rate 😆 <a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a>","listText":"Choose <a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a> place some money and buy <a href=\"https://ttm.financial/S/O39.SI\">$ocbc bank(O39.SI)$</a> fight the fix deposit rate 😆 <a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a>","text":"Choose $Tiger Brokers(TIGR)$ place some money and buy $ocbc bank(O39.SI)$ fight the fix deposit rate 😆 @Tiger_SG","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447359909581624","isVote":1,"tweetType":1,"viewCount":2325,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447357675803272,"gmtCreate":1750255947258,"gmtModify":1750255950612,"author":{"id":"4132300740238052","authorId":"4132300740238052","name":"icycrystal","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4132300740238052","authorIdStr":"4132300740238052"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/U/3559581955535845\">&nbsp;@koolgal </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @SPACE ROCKET </a><a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a> I guess I would put [USD]&nbsp; [USD]&nbsp; [USD]&nbsp; in dividend stocks as it beats the bank interest rate [Smile]&nbsp; [Smile]&nbsp; [Smile]&nbsp; The 3-month Singapore Overnight Rate Average (SORA)","listText":"<a href=\"https://ttm.financial/U/3559581955535845\">&nbsp;@koolgal </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @SPACE ROCKET </a><a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a> I guess I would put [USD]&nbsp; [USD]&nbsp; [USD]&nbsp; in dividend stocks as it beats the bank interest rate [Smile]&nbsp; [Smile]&nbsp; [Smile]&nbsp; The 3-month Singapore Overnight Rate Average (SORA)","text":"@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)","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447357675803272","isVote":1,"tweetType":1,"viewCount":2463,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447356498244408,"gmtCreate":1750255934528,"gmtModify":1750255939814,"author":{"id":"4132300740238052","authorId":"4132300740238052","name":"icycrystal","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4132300740238052","authorIdStr":"4132300740238052"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @SPACE ROCKET </a><a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a> 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","listText":"<a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @SPACE ROCKET </a><a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a> 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","text":"@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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447356498244408","isVote":1,"tweetType":1,"viewCount":2535,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447352346120504,"gmtCreate":1750255204542,"gmtModify":1750314003646,"author":{"id":"4091758936365950","authorId":"4091758936365950","name":"MHh","avatar":"https://static.tigerbbs.com/54b2feced9ef5dcc9e95997d1f4db280","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4091758936365950","authorIdStr":"4091758936365950"},"themes":[],"title":"","htmlText":"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","listText":"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","text":"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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/447352346120504","isVote":1,"tweetType":1,"viewCount":3404,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3569809505691000","authorId":"3569809505691000","name":"breAkdaWn","avatar":"https://community-static.tradeup.com/news/4c3676c14de9bfcd6f45bcf7ba4ddb6c","crmLevel":12,"crmLevelSwitch":0,"idStr":"3569809505691000","authorIdStr":"3569809505691000"},"content":"why only look at Singapore for property. look in NZ!! welcome!","text":"why only look at Singapore for property. look in NZ!! welcome!","html":"why only look at Singapore for property. look in NZ!! welcome!"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447342092664952,"gmtCreate":1750252439802,"gmtModify":1750252841360,"author":{"id":"3561713422683896","authorId":"3561713422683896","name":"TheStrategist","avatar":"https://community-static.tradeup.com/news/a1f9b1071e75ec59572f7ba9bbb0a4ed","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3561713422683896","authorIdStr":"3561713422683896"},"themes":[],"title":"","htmlText":"Go for apps, the rates are higher. Stashaway man","listText":"Go for apps, the rates are higher. Stashaway man","text":"Go for apps, the rates are higher. Stashaway man","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447342092664952","isVote":1,"tweetType":1,"viewCount":2208,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447384081035424,"gmtCreate":1750252148479,"gmtModify":1750264802343,"author":{"id":"4106547232749330","authorId":"4106547232749330","name":"Tiger_SG","avatar":"https://community-static.tradeup.com/news/9eb57a835b72d997d1941fb6605d80a4","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4106547232749330","authorIdStr":"4106547232749330"},"themes":[],"title":"SORA Keeps Falling: Which Bank to Choose for Fixed Deposit?","htmlText":"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. <a target=\"_blank\" href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$</a>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%","listText":"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. <a target=\"_blank\" href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$</a>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%","text":"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%","images":[{"img":"https://community-static.tradeup.com/news/75aa0973f94748f134fc5f49fe23a0ab"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":1550,"commentSize":21,"repostSize":89,"link":"https://ttm.financial/post/447384081035424","isVote":1,"tweetType":1,"viewCount":29333,"authorTweetTopStatus":1,"verified":2,"subType":2,"comments":[{"author":{"id":"4132300740238052","authorId":"4132300740238052","name":"icycrystal","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"idStr":"4132300740238052","authorIdStr":"4132300740238052"},"content":"@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 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%. What would you choose? Any better options? What percentage of your asset portfolio is allocated to fixed deposits? What would be considered a balanced proportion? Have you ever planned how to allocate your assets across different types such as fixed deposits, stocks, mutual funds, REITs, and real estate? All valid comments will receive 5 Tiger","text":"@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 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%. What would you choose? Any better options? What percentage of your asset portfolio is allocated to fixed deposits? What would be considered a balanced proportion? Have you ever planned how to allocate your assets across different types such as fixed deposits, stocks, mutual funds, REITs, and real estate? All valid comments will receive 5 Tiger","html":"@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 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%. What would you choose? Any better options? What percentage of your asset portfolio is allocated to fixed deposits? What would be considered a balanced proportion? Have you ever planned how to allocate your assets across different types such as fixed deposits, stocks, mutual funds, REITs, and real estate? All valid comments will receive 5 Tiger"},{"author":{"id":"4091758936365950","authorId":"4091758936365950","name":"MHh","avatar":"https://static.tigerbbs.com/54b2feced9ef5dcc9e95997d1f4db280","crmLevel":12,"crmLevelSwitch":1,"idStr":"4091758936365950","authorIdStr":"4091758936365950"},"content":"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 Singapore. Once I get that property, I would likely be in 80% property, 10-15% in stock and SREITS, and the remainder as cash.","text":"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 Singapore. Once I get that property, I would likely be in 80% property, 10-15% in stock and SREITS, and the remainder as cash.","html":"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 Singapore. Once I get that property, I would likely be in 80% property, 10-15% in stock and SREITS, and the remainder as cash."}],"imageCount":2,"langContent":"EN","totalScore":0}],"essenList":[{"id":449031966884320,"gmtCreate":1750653653209,"gmtModify":1750658160871,"author":{"id":"4159970598736412","authorId":"4159970598736412","name":"Spiders","avatar":"https://community-static.tradeup.com/news/a08fe88b7b62506e5bc7ffed483a03a9","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4159970598736412","idStr":"4159970598736412"},"themes":[],"title":"SORA Keeps Falling: Which Bank to Choose for Fixed Deposit?","htmlText":"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","listText":"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","text":"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","images":[{"img":"https://community-static.tradeup.com/news/cc04c075cf1617df51c74b9c20d2f45a","width":"560","height":"240"},{"img":"https://community-static.tradeup.com/news/478b144b3fb197ffe987aa777b2c3d72","width":"560","height":"240"},{"img":"https://community-static.tradeup.com/news/e117446d64aa27e515409c244c1504fb","width":"560","height":"240"}],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":19,"commentSize":3,"repostSize":1,"link":"https://ttm.financial/post/449031966884320","isVote":1,"tweetType":1,"viewCount":3001,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"10000000000010969","authorId":"10000000000010969","name":"Kristina_","avatar":"https://static.tigerbbs.com/390bb094fc9bb64af7414f37cde534ff","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"10000000000010969","idStr":"10000000000010969"},"content":"Nice breakdown! Totally agree on skipping fixed deposits — too rigid, especially when better options like SSBs or CPF top-ups exist. I like how you’ve included some equity exposure too. Makes sense to keep things balanced while still catching upside when the market swings.[Grin]","text":"Nice breakdown! Totally agree on skipping fixed deposits — too rigid, especially when better options like SSBs or CPF top-ups exist. I like how you’ve included some equity exposure too. Makes sense to keep things balanced while still catching upside when the market swings.[Grin]","html":"Nice breakdown! Totally agree on skipping fixed deposits — too rigid, especially when better options like SSBs or CPF top-ups exist. I like how you’ve included some equity exposure too. Makes sense to keep things balanced while still catching upside when the market swings.[Grin]"},{"author":{"id":"10000000000011856","authorId":"10000000000011856","name":"JimmyHua","avatar":"https://community-static.tradeup.com/news/7f17d426377c791ac5cdfef91fbf8408","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"10000000000011856","idStr":"10000000000011856"},"content":"Really thoughtful strategy. Fixed deposits feel outdated with current rates — I also lean toward CPF top-ups and SSBs for that mix of safety and returns. Love the idea of capping stock exposure at 30%, keeps the risk in check while still staying invested.[Happy]","text":"Really thoughtful strategy. Fixed deposits feel outdated with current rates — I also lean toward CPF top-ups and SSBs for that mix of safety and returns. Love the idea of capping stock exposure at 30%, keeps the risk in check while still staying invested.[Happy]","html":"Really thoughtful strategy. Fixed deposits feel outdated with current rates — I also lean toward CPF top-ups and SSBs for that mix of safety and returns. Love the idea of capping stock exposure at 30%, keeps the risk in check while still staying invested.[Happy]"}],"imageCount":6,"langContent":"EN","totalScore":0},{"id":448411850293280,"gmtCreate":1750486413065,"gmtModify":1750489567597,"author":{"id":"4186204260634262","authorId":"4186204260634262","name":"WeChats","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4186204260634262","idStr":"4186204260634262"},"themes":[],"title":"","htmlText":"🔍 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&nbsp; • 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","listText":"🔍 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&nbsp; • 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","text":"🔍 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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/448411850293280","isVote":1,"tweetType":1,"viewCount":2472,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":449518958493784,"gmtCreate":1750751507897,"gmtModify":1750753336203,"author":{"id":"4188368163486482","authorId":"4188368163486482","name":"Arianda","avatar":"https://community-static.tradeup.com/news/a7f0bb101ef3dca7417c7c0414ecb5e1","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4188368163486482","idStr":"4188368163486482"},"themes":[],"title":"","htmlText":"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","listText":"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","text":"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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/449518958493784","isVote":1,"tweetType":1,"viewCount":3858,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":447768431587816,"gmtCreate":1750341303520,"gmtModify":1750342939529,"author":{"id":"3576260758860416","authorId":"3576260758860416","name":"andrew123","avatar":"https://community-static.tradeup.com/news/f2a1eaba26272212d42018e60e78b422","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3576260758860416","idStr":"3576260758860416"},"themes":[],"title":"","htmlText":"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","listText":"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","text":"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","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/447768431587816","isVote":1,"tweetType":1,"viewCount":4160,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}]}