Hi all, with the recent drop in bank's savings accounts interest rates, where have you been putting your cash? Is what I am doing enough, or can I do more?

Stanchart Jumpstart 1% (<26 years old), CIMB Fastsaver 0.5%. these are the higher rates bank account (w/ no obligations)

Hey Anon, your allocation looks pretty good in my opinion!

Personally, most of my funds are stored in Singlife (2.5% p.a) and Etiqa Elastiq (2.02%). In the event Singlife lowers the interest (since it's not guaranteed), I'll move the funds over to Elastiq. And in 2022, once the guaranteed 2.02% p.a for Elastiq expires, I will consider moving it to Endowus Cash Smart or whichever has the best rates then.​​​