Singapore Savings Bonds

[ctan84]

Chiu don't be so huan lo la. Ppl gan cheong is his choice. Maybe first time. Nothing wrong to ask. This thread is for sharing lah

What to do, retirees like me jiak bah bo sai pang.

 

[~sabaisabai~]

What to do, retirees like me jiak bah bo sai pang.

Jin song FIRE liao. Gxgx

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBJUN25 , as of 10/4/2025:

SBJUN25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	2.30	2.30	2.30	2.45	2.57	2.60	2.73	2.85	2.96	3.04
Average return per year %	2.30	2.30	2.30	2.34	2.38	2.42	2.46	2.50	2.55	2.59

 

[rachdanon]

Will there be a flocking to safety in SSB this month following the US tariffs?

 

[wutawa]

Will there be a flocking to safety in SSB this month following the US tariffs?

I believe those who like ssb had maxed out long ago.

 

[maumu]

yeah... waiting for govt to increase the max holdings to beyond 200k. dunno will happen or not.

 

[reddevil0728]

Will there be a flocking to safety in SSB this month following the US tariffs?

My bet is no. What about you?

yeah... waiting for govt to increase the max holdings to beyond 200k. dunno will happen or not.

I think the recent replies they say cause only limited ppl max out so probably not unless stats change

 

[vsvs24]

I think the recent replies they say cause only limited ppl max out so probably not unless stats change

Stats unlikely changed. The people around me who 5 yrs ago did not max SSB still not maxed now. Bought a bit but still way from maxed.

 

[reddevil0728]

Stats unlikely changed. The people around me who 5 yrs ago did not max SSB still not maxed now. Bought a bit but still way from maxed.

Then ya probably nothing will happen.

 

[rachdanon]

My bet is no. What about you?

I think there will be little bit more interest, seeing banks savings account interest rates are showing signs of heading further downwards, but not a flock of ppl who are into stocks because they seem to be rebounding from the dip.

 

[ZinY]

"On Tuesday (Apr 22), the Monetary Authority of Singapore (MAS) is scheduled to announce the amount of debt it will auction on Apr 28."

Is that anything to do with SBMAY25?
Any trend in interest rates for coming SSBs?
Someone who is knowledgeable please explain.

https://www.businesstimes.com.sg/co...ted-bond-yields-get-boost-steepest-curve-2022

 

[sglandscape]

"On Tuesday (Apr 22), the Monetary Authority of Singapore (MAS) is scheduled to announce the amount of debt it will auction on Apr 28."

Is that anything to do with SBMAY25?
Any trend in interest rates for coming SSBs?
Someone who is knowledgeable please explain.

https://www.businesstimes.com.sg/co...ted-bond-yields-get-boost-steepest-curve-2022

You're conflating things that are not related. Amount of debt to be auctioned is announced when the auction opens, which is completely routine.

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBJUN25 , as of 22/4/2025:

SBJUN25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	2.24	2.24	2.24	2.44	2.57	2.61	2.74	2.88	3.00	3.10
Average return per year %	2.24	2.24	2.24	2.29	2.34	2.38	2.43	2.48	2.53	2.58

 

[lzydata]

"On Tuesday (Apr 22), the Monetary Authority of Singapore (MAS) is scheduled to announce the amount of debt it will auction on Apr 28."

Is that anything to do with SBMAY25?
Any trend in interest rates for coming SSBs?
Someone who is knowledgeable please explain.

https://www.businesstimes.com.sg/co...ted-bond-yields-get-boost-steepest-curve-2022

This article is about long-dated bonds so it is referring specifically to the 30-year SGS bond which was just reopened for application. Nothing to do with SBMAY25 or SSBs.

https://www.mas.gov.sg/bonds-and-bi...nds?issue_code=NA24300E&issue_date=2025-05-02

 

[marcoyeo]

This article is about long-dated bonds so it is referring specifically to the 30-year SGS bond which was just reopened for application. Nothing to do with SBMAY25 or SSBs.

https://www.mas.gov.sg/bonds-and-bi...nds?issue_code=NA24300E&issue_date=2025-05-02

Just curious to find out if anyone consider SGS bonds?

IMO 3.25% interest is decent, lock up till 2054.

 

[reddevil0728]

Just curious to find out if anyone consider SGS bonds?

IMO 3.25% interest is decent, lock up till 2054.

there's a sgs bonds thread.

if your basic question is if people did consider the answer is yes because it's always over sub

but is there a deeper question there?

well 30y 3.25%. may not be attractive to many given the long tenure

 

[lzydata]

Just curious to find out if anyone consider SGS bonds?

IMO 3.25% interest is decent, lock up till 2054.

I always say us retail investors shouldn't buy long-dated SGS bonds - I wouldn't even consider 5 years let alone 30 years. It is hard to sell them on the secondary market if you need to liquidate before maturity, and if/when yields rise, your bond's value will drop.

 

[sglandscape]

Just curious to find out if anyone consider SGS bonds?

IMO 3.25% interest is decent, lock up till 2054.

I may not be alive until 2054 though

 

[vsvs24]

Just curious to find out if anyone consider SGS bonds?

IMO 3.25% interest is decent, lock up till 2054.

Reopen bond, not new. Coupon is 3.25% but yield likely lower.

 

[tiertime]

Just curious to find out if anyone consider SGS bonds?

IMO 3.25% interest is decent, lock up till 2054.

DEFINITELY NOT ,
Imo, anything less than 5% returns shd not be lock up for more than 2-3 years