Singapore Savings Bond (SSB) Tracker

Just published a very simple Singapore Savings Bond (SSB) tracker page here.

Basically just sharing some data and charts derived from SSB info from MAS website. Hope you find it useful too.

As interest rates are expected to continue rising fast, SSB has become very attractive IMO.

I’ve put a portion of our family emergency fund into SSB so that it doesn’t fall too far behind inflation. Will still keep the rest in cash for immediate emergency use.

Also intend to help put some of my parents’ savings into SSB for the flexibility and since the interest rates are more attractive than bank fixed deposits. Anyway, I’ve only utilised $40K of the $200K max limit for SSB so plenty more capacity to go.

Inflation is still running hot so the US Fed might continue to hike rates aggressively, pushing SSB yields higher in coming months. Since we can redeem SSB early without penalty, there’s the option of doing that and applying for higher yielding SSB later on subject to allotments.

So far, competition for SSB has been fierce. If you have more than $200K to deploy into fixed income instruments, you can also look into T-bills or bank FDs but maybe not SGS bonds since interest rates are rising fast. See my previous comparison here.

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Disclaimer: This is not financial advice. I am not professional financial advisor nor do I work in the finance industry. Anything I write here is purely my personal opinion. Please do your own research and due diligence before investing into anything. All investments come with associated risks. Best to consult a financial advisor if you’re still unsure.

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