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Singapore Savings Bonds SSB Feb 2018 Issue Yields 2.04% for 10 Year and 1.55% for 1 Year

Here is a higher yielding, safe way to save your money that you have no idea when you will need to use it, or your emergency fund.

The Jan 2018’s SSB bonds yield an interest rate of 2.04%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks (UOB,OCBC, DBS)

$10,000 will grow to $12,062 in 10 years.

This bond is backed by the Singapore Government and its available to Singaporeans.

You can find out more information about the SSB here.

Note that every month, there will be a new issue you can subscribe to via ATM. The 1 to 10 year yield you will get will differ from this month’s ladder as shown above.

Last month’s bond yields 2.13%/yr for 10 years.

Here is the current historical SSB 10 Year Yield Curve:

What is this Singapore Savings Bonds? Read my past write ups:

  1. This Singapore Savings Bonds: Liquidity, Higher Returns and Government Backing. Dream?
  2. More details of the Singapore Savings Bond. Looks like my Emergency Fund nIsow
  3. Singapore Savings Bonds Max Holding Limit is $100,000 for now. Apply via DBS, OCBC, UOB ATM
  4. Singapore Savings Bonds’ Inflation Protection Abilities
  5. Some instructions how to apply for the Singapore Savings Bonds

Past Issues of SSB and their Rates:

To get started with dividend investing, start by bookmarking my Dividend Stock Tracker which shows the prevailing yields of blue chip dividend stocks, utilities, REITs updated nightly

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Friday 5th of January 2018

Hi Kyith, Thanks for sharing your insights.

It has become increasingly difficult to put capital to work, which has in part driven some investors to think harder about SSB as an inflation hedge.

Data is quite limited given the relative youth of the SSB scheme. However, I notice that 1-year interest rate for the SSB has largely struggled to match/ beat MAS Core Inflation since inception.

Appreciate if you could share your thoughts and, ideally, any alternative to SSB that offers similar (or better) preservation of and ease of access to capital. It also doesn’t help that allocation to SSB can be rather cumbersome (ballot and quantity cap).

Many thanks, i


Saturday 6th of January 2018

Hi i, it depends on what you would term inflation, because inflation rate is always shifting. If the SSB is yielding on average 1.5%, the inflation rate might be hovering around there. In order to beat inflation, you might have to take on more risk.

This would be the corporate bond of conglomerates that you trust, perpetual securities that have a better balance sheet.

If you move on further, you have your REITs and all but that is a sector by itself. the risk levels are much higher.

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