Singapore Savings Bonds

[SantyBalls]

Lol heng ar can get full allotment

 

[reddevil0728]

This is what I mean by just becoz the absolute SSB interest rate looks high doesn't mean it will be over-sub. If there are alternatives like FD close to 4%, Tbill still 3.8% and above, alot of money will flow there and the SSB with high interest rate still won't be over-sub.

Yes it’s always relative.

I think there’s misunderstanding on both ends.

it’s definitely possible for someone to just happen to never always get full because those instances of high interest just happen to be over sub when the person apply for it.

 

[ZinY]

Are you sure that's abnormal?

I thought it shd be quite normal that we dun get fully allocated if the rates are good like yesterday, no ?

These are the best rates given previously , according to meta AI search results :

The highest interest rate for Singapore Savings Bonds (SSB) is currently offered by *SBDEC23*, with an interest rate of *3.30%*. This rate applies to the 1-year holding period, and the interest rates for longer holding periods are also relatively high, ranging from *3.36%* to *3.68%* ¹.

Here are the top 5 SSBs with the highest interest rates :

- *SBDEC23*: 3.30% (1-year), 3.36% - 3.68% (2-10 years)
- *SBJUL24*: 3.26% (1-year), 3.29% - 3.42% (2-10 years)
- *SBJUN24*: 3.26% (1-year), 3.26% - 3.54% (2-10 years)
- *SBMAY24*: 3.03% (1-year), 3.03% - 3.21% (2-10 years)
- *SBAPR24*: 3.01% (1-year), 3.01% - 3.53% (2-10 years)

Meta AI could be wrong with SBMAY24 and SBAPR24.
Top 10 SSB with highest 1st Year Interest rate are maked with an asterisk (*). They are >= 3.03%.

	SSB	1st Year	10-Yr Avg
SBSEP22	GX22090Z	2.63%​	2.80%​
SBOCT22	GX22100X	2.60%​	2.75%​
SBNOV22 *	GX22110A	3.08%​	3.21%​
SBDEC22 *	GX22120S	3.26%​	3.47%​
SBJAN23	GX23010Z	2.95%​	3.26%​
SBFEB23	GX23020X	2.84%​	2.97%​
SBMAR23	GX23030A	2.76%​	2.90%​
SBAPR23	GX23040S	3.01%​	3.15%​
SBMAY23 *	GX23050W	3.03%​	3.07%​
SBJUN23	GX23060E	2.81%​	2.81%​
SBJUL23	GX23070H	2.76%​	2.82%​
SBAUG23	GX23080N	2.97%​	2.99%​
SBSEP23	GX23090F	3.01%​	3.06%​
SBOCT23 *	GX23100T	3.05%​	3.16%​
SBNOV23 *	GX23110V	3.21%​	3.32%​
SBDEC23 *	GX23120Z	3.30%​	3.40%​
SBJAN24	GX24010F	3.00%​	3.07%​
SBFEB24	GX24020T	2.72%​	2.81%​
SBMAR24	GX24030V	2.74%​	2.88%​
SBAPR24	GX24040Z	2.95%​	3.04%​
SBMAY24	GX24050X	2.99%​	3.06%​
SBJUN24 *	GX24060A	3.26%​	3.33%​
SBJUL24 *	GX24070S	3.26%​	3.30%​
SBAUG24 *	GX24080W	3.19%​	3.22%​
SBSEP24 *	GX24090E	3.06%​	3.10%​
SBOCT24	GX24100H	2.59%​	2.77%​
SBNOV24	GX24110N	2.25%​	2.56%​
SBDEC24	GX24120F	2.66%​	2.81%​
SBJAN25	GX25010E	2.73%​	2.86%​
SBFEB25	GX25020H	2.76%​	2.82%​
SBMAR25	GX25030N	2.83%​	2.97%​

 

[ctan84]

In other news, the very first SSB will hit its 10-yr maturity mark in Oct this year. Can't believe its been 10 years just like that liao.

 

[lzydata]

In other news, the very first SSB will hit its 10-yr maturity mark in Oct this year. Can't believe its been 10 years just like that liao.

Should give a prize to those who have held it all the way for 10 years. Or at least a letter of appreciation

 

[Asure7]

managed to get full allocation.
Using it for kid's college fund 15 yrs later :/

 

[pratik28]

Should give a prize to those who have held it all the way for 10 years. Or at least a letter of appreciation

like sg60,
should have ssb10 package too hahaha

 

[reddevil0728]

like sg60,
should have ssb10 package too hahaha

when mature mas maybe make announcement see what they say

 

[SantyBalls]

Eh how come i allocated 15k only

 

[sglandscape]

Eh how come i allocated 15k only

You bid exactly at 2.75%?

 

[ctan84]

You bid exactly at 2.75%?

SSB how to bid? U confusing this with the Tbill from yesterday si boh...

 

[SantyBalls]

Eh how come i allocated 15k only

Also confirm never max out 200k leh

 

[wutawa]

Eh how come i allocated 15k only

How much u ballot and how much refunded?

 

[sglandscape]

SSB how to bid? U confusing this with the Tbill from yesterday si boh...

Oh yes opps

 

[SantyBalls]

How much u ballot and how much refunded?

50k. 35k refunded. i checked cdp online, total ssb i own also 100k+ nia

 

[tiertime]

50k. 35k refunded. i checked cdp online, total ssb i own also 100k+ nia

That's really strange...
Did you call them to check on reason , keep us updated

 

[SantyBalls]

No srs?
use this to chk
https://eservices.mas.gov.sg/ssb/

That's really strange...
Did you call them to check on reason , keep us updated

Lol apparently cdp online doesnt show srs purchases.

Yeah total alrdy 185k. That's y this mth get 15k only.

Forgot i got 3yrs of 15k srs in ssb haha

 

[hwckhs]

Final projection by https://www.ilovessb.com/projection/SBAPR25 , as of 28/2/2025:

SBAPR25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	2.73	2.73	2.73	2.81	2.86	2.86	2.91	2.96	3.00	3.03
Average return per year %	2.73	2.73	2.73	2.75	2.77	2.78	2.80	2.82	2.84	2.85

Based on SGS benchmark yields (Feb 2025):
1 year: 2.86
2 year: 2.75
5 year: 2.77
10 year: 2.85

 

[pytha6ora$]

possible to build such a ladder now?