fixed deposits

The end of easy cash returns forces a rethink of fixed income

Entrepreneur Walter de Oude believes that every Singaporean has spare cash earning next to nothing. Chocolate Finance has stepped in as a liquid alternative with higher yields.

Chocolate Finance whets Singaporeans’ appetite for higher cash yields; assets approach S$1 billion

Purchasing a Singapore-listed stock at an entry annual dividend yield of 5% can provide recurrent income that possibly grows over time. However, dividends paid by listed groups might fluctuate. 
SENSE & CENTS

Earning 3% from Singapore T-bills may not last or be enough 

A cash return threshold of 5% is less difficult to beat today. Most bond yields or income assets already offer yields higher than cash.

Why it is worth your while to look beyond cash

Maybank Singapore is promising an FD rate of 2.9 per cent per annum for a minimum placement of S$20,000 in OA funds for 12 months.

Maybank becomes first foreign bank to offer fixed deposits for CPF funds

Government securities issued by Singapore and the US are suitable for individuals with lower risk tolerance.
INVESTING GLOBALLY & PROFITABLY

Choose wisely when it comes to the many options for your excess cash

A high non-performing loan ratio is one indicator of a stressed banking system.
BT EXPLAINS

Three indicators to identify stress in the banking system, and what they show now

US 10-year Treasuries currently yield more than 4.6 per cent. Yields of investment-grade corporates are at around 6 per cent, and high-yield bonds at nearly 9 per cent.
MIND THE GAP

Good time to lock in high-quality bond yields

UOB expects one more 25 basis point hike during the Fed’s November meeting, with rates likely to remain at this “terminal” level until the end of the first half of 2024.
CIO CORNER

Higher for longer, but not forever

MAS says the move is not in response to stresses faced by some foreign banks this year.

MAS proposes to raise deposit insurance cap to S$100,000