What would be awesome for savings with higher interest, DBS Mulitplier of eMySavings Account or SAYE? Am also thinking to start DBS Vickers Passive Funds Investment. What would be your advice?

NS is POSB save as you serve. Not sure got diff or not. But you cannot withdraw at all once you put into the SAYS account so do remember that. Not too sure about DBS Vickers. But do remember to check the various charges.

For NSF SAYE. Can't hit the min salary credit already for multiplier. But do note, the extra % you get for SAYE will be forfeited once you withdraw money from it. As a NSF you don't know whether will you need the cash. And you forgo the liquidity for 1% interest. Alternatively, CIMB fastsaver.