OCBC Just Cut My 360 Account Rate Again — Am I Better Off As A Shareholder Instead? |🦖EP1524

The Investing Iguana

OCBC Just Cut My 360 Account Rate Again — Am I Better Off As A Shareholder Instead? |🦖EP1524

Your 360 Account is paying you 1.95% while OCBC's shareholders collect a headline yield that most people haven't actually stress-tested. Strip out the 16-cent special dividend and the ordinary forward yield drops to roughly 3.8–3.9% — below my 4.7% forensic hurdle — while the NIM exited Q4 2025 at 1.84%, a signal, not a confirmed floor. The bank is not moving the goalposts; it is functioning exactly as designed, and your S$100,000 in deposits is funding that design.

At a 5,000-point STI, the instinct to chase yield by switching from depositor to shareholder feels logical, but the forensic math demands discipline. A 1.95% savings yield already runs negative carry against the CPF OA's 2.5% baseline, and crossing to equity means absorbing NPL risk and capital volatility that a liquidity account was never meant to carry. My 3.2% forensic floor exists precisely to stop that substitution error before it costs you principal.

📺 YouTube: https://youtu.be/SCf-WsptqDU

📩 Substack: https://investingiguana.substack.com/p/ocbc-just-cut-my-360-account-rate

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Strip out the 16-cent special dividend and the ordinary forward yield drops to roughly 3.8–3.9% — below my 4.7% forensic hurdle — while the NIM exited Q4 2025 at 1.84%, a signal, not a confirmed floor. The bank is not moving the goalposts; it is functioning exactly as designed, and your S$100,000 in deposits is funding that design. At a 5,000-point STI, the instinct to chase yield by switching from depositor to shareholder feels logical, but the forensic math demands discipline. A 1.95% savings yield already runs negative carry against the CPF OA's 2.5% baseline, and crossing to equity means absorbing NPL risk and capital volatility that a liquidity account was never meant to carry. 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