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Adding on to what ZhiHao said, you could also consider Elastiq by etiqa. Gives you a guaranteed 1.8% interest rate for 3 years and you're able to withdraw the money from day 91 onwards.
https://www.tiq.com.sg/product/universal-life-i...
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If this is money that you intend to use for big purchases in future, I would not put it into anythin...
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Hey there.
If you are considering high-interest savings accounts, CIMB has recently announced today that they will be revising their interest rate for FastSaver. You might want to take a look here.
Other alternative choices that do not require spending/minimum sum include:
Singlife Account (2.5% p.a, capaital guaranteed, interest non guaranteed)
FSM Auto-Sweep Account (1.05%p.a, interest rates may be revised)
Stashaway Simple (1.9%, capital non guaranteed, interest non guaranteed)
SCB JumpStart (1%p.a, only for aged 18-26)
Crypto Earn (Depending on currency, as high as 16%p.a (CRO) without any prior staking. However, do take note of the volatility of cryptocurrencies. For higher interest rates, a fixed duration of 90 days is imposed before withdrawal can be made. Intetest is paid out every 7 days)
Crypto Exchange (20%p.a for CRO currency. Similar to Crypto Earn, just that fixed duration is set at 180 days. Interest is paid out daily)
Vivid Account (1.05% p.a for first 10k, 1.30% for 10k-20k)
Tiq 3 Year Endowment Plan (2.10%p.a, guaranteed)