'T-bill & Chill'? Invest smarter.

‘T-bill & Chill’? Invest smarter.

Invest smarter with these solutions

SaveUp Portfolio

Ideal for investors seeking a stable way to grow their money with short duration bonds. Offers diversification, and low management fees.

DBS CIO Liquid+ Fund

Ideal for bond investors seeking the flexibility of daily liquidity. Aims to deliver returns that outperform money market funds.

SavvyEndowment 20

Ideal for those seeking guaranteed returns over a longer tenure and a peace of mind.

Are you still relying on T-bills for your savings?T-bills have been a safe bet for more than a year, but with the recent and impending Fed rate cuts, they’re yielding lower returns and becoming less attractive for growing your money.It's time to rethink where to put your money.Experts suggest investing in short-duration, high quality fixed income solutions and short-term endowment plans to lock in current yields before they fall further. Find out why herePOSB has curated a range of solutions, each designed to address different investment needs and with the flexibility to access your cash, whenever you need.While T-bills remain a safe and attractive option, with interest rates falling, consider alternate solutions that are just like T-bills, only better. Turn on your digibank app push notifications to receive our POSB Savings promotions.Ready to explore these solutions to grow your money and diversify your portfolio?Scroll down and bookmark this page for the latest promotions.

a.custom-anchor { display: block; position: relative; top: -150px; visibility: hidden; } Explore short term, high quality fixed incomeEven as interest rates start to ease, there's still time to unlock current bond yields. One way to do that is by investing in high-quality, short-term bonds, like corporate bonds with a credit rating of at least BBB and a duration of 1 to 3 years.However, these bonds typically require a minimum investment of S$250,000, which can be a barrier for many. That's why we've curated a range of fixed income solutions that invest in a basket of high-quality bonds without needing a huge initial investment.

@media screen and (min-width: 601px) { .hidemobile{ display: none; !important; } } @media screen and (max-width: 600px) { .hidedesktop{ display: none; !important; } } 1. SaveUp Portfolio: Portfolio Yield 5.3% p.a.For investors seeking a more stable way to grow their money, SaveUp is a readymade portfolio of high-quality fixed income funds, offering diversification, and low management fees.Factsheet

As of 31 Dec 2024 in SGD	1Y
Returns	2.7%
Portfolio Yield	5.3% p.a.
Fees	0.25% p.a. management fee

Returns are not inclusive of portfolio management fees.
Portfolio Yield reflects the blended yield to maturity (YTM) of the underlying assets as of 31 Dec 2024.Invest nowInvest now

Promotions

Enjoy zero fees when you set up a regular savings plan with digiPortfolio! Terms and Conditions apply. Find out more.

How to invest?

Step 1: Tap on the Invest now button above and login to digibank.

Step 2: Choose SaveUp Portfolio to proceed with your purchase.

2. DBS CIO Liquid+ Fund: Portfolio Yield 5.16% p.a.For investors seeking yield enhancement and flexibility, DBS CIO Liquid+ is a smart choice. It's a diversified bond fund that aims to deliver returns that outperform money market fund returns. You'll enjoy the flexibility of daily liquidity, allowing you to redeem your investment anytime without penalty fees, and receive quarterly dividends. Endorsed by our Chief Investment Office (CIO), ensuring you can trust the expertise behind this investment.Factsheet

As of 31 Dec 2024 in SGD	1Y
Returns	2.63%
Portfolio Yield	5.16%
Quarterly Dividend	3.95%
One-time Online Sales Charge	0.82%

Invest now

Promotions

Enjoy zero fees for 6 months when you set up a regular savings plan on DBS CIO Liquid+! Terms and Conditions apply. Find out more.

How to invest?

Step 1: Tap on the Invest now button above and login to digibank.

Step 2: Under Invest Using, select Cash. Under Fund House, select DBS. Click on Search.

Step 3: If you want dividends, choose Qdis-Cash. Otherwise, choose Acc.

Step 4: Pick the fund with your desired Currency.

Step 5: Key in the necessary details and click Submit to complete the purchase.

Click here for our online user guide to purchase a fund.

3. Nikko Short Term Bond Fund: Portfolio Yield 4.65% p.a.For investors seeking a stable way to grow their CPF or SRS savings, the Nikko Short Term Bond Fund offers a compelling opportunity. This fund invests in short-term bonds, such as government and corporate bonds, providing daily liquidity and diversification for steady returns. It offers potential yield enhancement over CPF/SRS and money market fund rates.Factsheet

As of 31 Dec 2024 in SGD	1Y
Returns	2.63%
Portfolio Yield	5.16%
Quarterly Dividend	3.95%
One-time Online Sales Charge	0.82%

Invest now

How to invest?

Step 1: Tap on the Invest now button above and login to digibank.

Step 2: Under Invest Using, select CPF or SRS, under Fund House, select Nikko Asset Management, under Geography/Themes, choose Low Duration and under Currency choose SGD. Click on Search.

Step 3: Two options for the fund will appear, one ending with Cash and the other with Unit. Click Buy on either one to proceed.

Step 4: Key in the necessary details and click Submit to complete the purchase.

Click here for our online user guide to purchase a fund.

4.Lock in potential returns of up to 2.29% p.a.¹ with SavvyEndowment 20Grow your savings with SavvyEndowment 20! Enjoy guaranteed returns even as interest rates fall. Choose from 3-year or 4-year plans. Start from a low single premium commitment amount of just S$5,000. Limited tranche available.

3-year plan		4-year plan

At policy maturity, receive:		At policy maturity, receive:
100% of your capital² Guaranteed returns of 2.00% p.a.¹ Non-guaranteed total returns of up to 0.16% p.a.¹ Total potential returns of up to 2.16% p.a.¹		100% of your capital² Guaranteed returns of 2.14% p.a.¹ Non-guaranteed total returns of up to 0.15% p.a.¹ Total potential returns of up to 2.29% p.a.¹

Plus, receive 101% of the single premium that you paid in the event of death during the policy term.Apply nowAny early termination of the policy before maturity can incur costs and the surrender value payable (if any) may be less than the total premiums paid. Find out more at DBS Insurance Important Notes. Please refer to the 3-year plan and 4-year plan Sample Policy Contracts for their precise terms, conditions and exclusions.

Promotions


	From now till 30 Sep 2025, purchase a new SavvyEndowment 20 policy with single premium amount of at least S$15,000 to receive a free digiPortfolio gift with S$68 credit. Terms and conditions apply. Find out more details here.

From now till 30 Sep 2025, purchase a new SavvyEndowment 20 policy with single premium amount of at least S$15,000 to receive a free digiPortfolio gift with S$68 credit.

Terms and conditions apply.

Find out more details here.

How to apply

Tap on Apply now button above.

Contact Us

For product related enquiries, you can email Manulife at [email protected]. If you are facing technical difficulties, you may explore our live chat service in DBS/POSB digibank online.

Contact me

Terms and conditions apply. Please refer to Product Summary for more information about this insurance plan.Footnotes:¹ For 3-year plan:
The illustrated maturity yield of 2.16% p.a. includes a non-guaranteed maturity bonus of 0.16% p.a. based on the higher illustrated investment rate of return (IIRR) of 2.51% p.a.. The non-guaranteed maturity bonus will be 0.48% of the single premium.Based on the lower IIRR of 2.28% p.a., the illustrated maturity yield is 2.00% p.a.. The non-guaranteed maturity bonus will be zero.For 4-year plan:
The illustrated maturity yield of 2.29% p.a. includes a non-guaranteed maturity bonus of 0.15% p.a. based on the higher IIRR of 2.59% p.a.. The non-guaranteed maturity bonus will be 0.64% of the single premium.

Based on the lower IIRR of 2.36% p.a., the illustrated maturity yield is 2.14% p.a.. The non-guaranteed maturity bonus will be zero.As the maturity bonus rate and both IIRRs are not guaranteed, the actual benefits payable will vary according to the future performance of the Participating Fund of the policy. Figures are subject to rounding.² Not applicable to policies that have been altered.

Disclaimers
The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission.This website does not take into account the specific investment objectives, financial situation or needs of any particular person. The value of the investment may fall or rise. Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. Investors should read the relevant product's offer documents (including the prospectus and Product Highlights Sheet, if any), available at our branches, before deciding to subscribe for or purchase any product.This website does not constitute or form part of any offer, recommendation, invitation or solicitation to subscribe to or to enter into any transaction. It is not intended to provide, and should not be relied upon for accounting, legal or tax advice. All investments come with risks and you can lose money on your investment. Invest only if you understand and can monitor your investment. Diversify your investments and avoid investing a large portion of your money in a single product issuer.This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

In Collaboration with Manulife
SavvyEndowment 20 is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS. It is not an obligation of, deposit in or guaranteed by DBS.Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for the policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Manulife or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.DBS Investment Disclaimer
DBS Insurance Important Notes
Important Information
Deposits Insurance Scheme
Terms and Conditions Governing SRSInformation is correct as at 6 Jul 2025.

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