Really depends on how much capital you have. You can try Singlife, that's offering 2.5% on the first 10k. From a read of the website, it seems fairly liquid, with no penalties for early withdrawal, and interest is deposited in your account monthly.
Endowus user here.
somehow i cannot paste the link here or it will link to a different site.
so, please check out the historical performance, if you trust them.
https://endowus.com/how-we-invest select "very conservative".
historically for cash 100% bonds, any 3 year period will give decent returns. but this is not to say there will be no flacuations or the future will be the same.
endowus and endowment plans required min $10k to start. that is something you may have to consider.
something to ask yourself is, are you happy with 1% interests for FD. if it is so, there is no need to take on additional risks.
something else i am using or consider to use are: singlife and stashaway simple.
because no min sum to start.
hope this helps.
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