Singapore fixed deposits offer safety but erode purchasing power. For accredited investors, superior alternatives like private credit funds and structured notes can deliver 8-12% returns while managing risk. Discover the tiered strategies for replacing FDs in a sophisticated portfolio.

Many people in Singapore keep saving through fixed deposits because they are dependable and favored by many. It is still beneficial to place your capital in banks by June 2025, because they continue to give good FD rates. If you are looking for a secure option and higher earnings, you can invest in alternative fixed-income instruments that provide up to 7.35% for a year’s investment commitment.