For saving plans, do you prefer high flexibility with lower returns (Eg. saving accts, SSB, flexible insurance savings plans) or no flexibility with higher returns (Eg. fixed deposits, endowments) ?

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Singapore Savings Bonds as it offers pretty decent interest rates and is flexible/liquid should I need those funds anytime as I can redeem it before maturity as compared to Fixed Deposits. Moreover, SSB's interest rates for Jan 19 is above 2% which is almost similar or higher than what FDs are offering. The highest FD I've seen thus far is CIMB's 12 month FD at 1.90% I believe. I wouldn't go for endowment since it's not flexible/liquid and the time horizon is too long with low returns.