Bank interest?

as all of us know.
the bank interest rate have gradually dropped to almost zero.
best would be ocbc fairprice plus @ 0.3%p.a
eg. 10,000 = (10000x0.3% = 30)! wtf 30SGD for a year.

just one two years back,
interest rate was @ 2.38% so its still justifiable to park money there.

so now a better parking choice would be
stocks and funds.
fund would be DBS enhanced income.
low risk. i havent look into it yet.

stock would be SUNTEC REIT!
low to mid risk.
why i say park money there.
it pays out dividends 4 times.
i calculated historical prices
it works out to be close to 0.1 per share
meaning if u got 10 lot (1 lot =1000share)
10000*0.1 = 1000 (dividend)! at end of year

worried that stock market crash?
yup of coz must worry.
lowest historical price of suntec is 0.57
current price is 1.04
but if you are not those regular traders
you just wanna park your spare cash there
then no worries right?
so just wait collect dividends can le!
im taking about those parking for 5 yrs and more

if you think suntec reit(real estate investment trust) will lose its value
singapore/temasek cui, causes the stock price to plunge
then refrain.
if the above scenario really happens
singapore will become sinkapore already.

just my 2 cents! food for thought
comments welcomed!