Best place to put $ other than FD, I do have singlife and Dashpet but looking at other option, am not looking at investing into stock, any recommendation?

1-year endowment plan. Yield around 1% ish but there is capital guarantee

• unit trust? Specifically Fixed income fund that pay monthly.
• since you already buy in into all the insurance saving plans their underlying are all unit trust.
• They just pay u partial of the profit (1 - 1.5% p.a.) while makan most of it. Might as well buy yourself? Just endure abit volatility.
• same for bank, they take your money to invest / loan out to get higher return then just give you peanut.