what to you expect ?? every countries in the world has low interest rates.... surely can't cover the inflation this year.... lets spend it during GSS.. spend all !!!!
there are too much money in our local banks, hence the low interest rates for savings account. so its advisable to put money in fixed deposits, (eg put in 10,000 earn just 60 for a period of time), shares, unit trusts(beware of its sales charge and annual management fees that eat up your investment akin to going to casino and paying 100 for entrance fee, u already lose 100 upon stepping in casino for instance), forex (high risks ie winning and losing a lot), commodities etc etc.