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UOB One account
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High interest banks. But do you need 12 month Emergency funds? You can split them to slightly less emergency few after saving for few month and but in higher interest lower liquidity products like T-bills, SSB, cash management accounts.
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Use a bank account that does not have much access like internet banking, debit cards, and ATM cards, etc. Make it an only credit account with recurring monthly credit once your salary is in.
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Once you save up a good 5 figures or more and are confident you will not spend, shift it to a high-yield savings account like the Bank of China, Smart Saver, or UOB One account to rake a good 2-3+% Interest
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No magic - Reduce spending, increase saving and increase income. High returns = high risk of losing ...
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UOB one if u can hit the criterias, if not CIMB