shoutout to bros who PMed me on wholesale bonds....got a few queries so i thought i answered it here one shot...sorry for being brief as this is a FD thread.
1. do check with your RM or any security bond desk on the actual process of buying bonds. as long as u have the moolah, it is not as 'strict' as one imagined...
2. bond investment is a no brainer. just stick with investment grade ones or those wholly owned by Temasek. all the analysis has been done for you already. dont even need to read the prospectus yourself.
the rest of the bond universe are literally 'JUNK'.
3. my bond portfolio average coupon rate is 4.66%. i have a rental property that gives me NET rental yield of 2.4% plus tenant headache while bank FD/SSB gives about 2%. Its no brainer which instrument i prefer these days.
even
LTA/HDB bonds are giving better than bank FDs! LTA/HDB will be around as long the island does not sink.
4. its nonsense bonds are bought to be kept long term and cannot sell. when prices go up like in recent weeks, there are good capital gains to be made. so can sell anytime. but for me will not sell as giving good coupons.