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As Singapore marks its 61st National Day, I\u2019ve been thinking about what financial independence means in practical terms. For me, part of it is making sure my spare cash is working hard enough, while still keeping it accessible when I need it. The latest 6-month Singapore T-bill cut-off yield has risen further to 1.59%<\/a>, , while the best fixed deposit rates in Singapore have also moved higher<\/a>. Savings accounts are also becoming more competitive<\/a> with many offering attractive promotions and rates. Meanwhile, the latest Singapore Savings Bond (SSB) issued was also higher than the previous month, with a 10-year average return of 2.25%.<\/a> With these changes, I have seen more discussion in the Beansprout community<\/a> about where best to park our spare cash, while keeping our liquidity pot<\/a> accessible for short-term needs. In this article, I\u2019ll compare some popular options such as T-bills, fixed deposits, Singapore Savings Bonds…<\/div>\n