Get Smart: Are The Days of Easy Money Over?

For the longest time, doing nothing felt like the best move. It was the era of the “effortless returns”. You could just park your money and watch it grow without any risk. Sit on cash, park your money in T-bills or fixed deposit accounts, and earn returns that rival a stock’s dividend yield. The last few years were comfortable, it was safe.That chapter is now closing.Here in 2026, interest rates in Singapore have started to move lower. What was once a comfortable 4% yield for T-bills in late 2022 slowly sli ...