Singapore Savings Bonds

[reddevil0728]

possible to build such a ladder now?

In terms of what?

 

[lzydata]

possible to build such a ladder now?

If you mean buying some of every issue, why not? Provided you buy in smaller amounts. Anyway the overall cap per person is $200k.

 

[wutawa]

my sep 2022 div not in for posb...

 

[reddevil0728]

my sep 2022 div not in for posb...

it should be.

1. check if posb is your crediting account for cdp.

2. check to confirm if you indeed have that issue

 

[Intel888]

my sep 2022 div not in for posb...

Not sure if this would help ...

Mine is Sep 2024 issue, and div is in. Just checked around 11pm.

 

[wutawa]

Not sure if this would help ...

Mine is Sep 2024 issue, and div is in. Just checked around 11pm.

I just chk. I swap sep 2022 into Apr 2023.

 

[reddevil0728]

I just chk. I swap sep 2022 into Apr 2023.

As suspected

 

[lzydata]

SBAPR25 GX25040F Bond Details​

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

https://www.mas.gov.sg/bonds-and-bi...ond?issue_code=GX25040F&issue_date=2025-04-01

Issuance size upped from $500m to $700m.

 

[ahchan]

SBAPR25 GX25040F Bond Details​

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

https://www.mas.gov.sg/bonds-and-bi...ond?issue_code=GX25040F&issue_date=2025-04-01

Issuance size upped from $500m to $700m.

Seems the rate is not too bad, considering that IR is dropping everywhere...

 

[pratik28]

Seems the rate is not too bad, considering that IR is dropping everywhere...

yeah, shows how the relative factor plays!
Few months ago, similar rates were not attractive for us and saw much lesser demand.
But now everyone considering alr or atleast giving a second thought! haha

 

[reddevil0728]

yeah, shows how the relative factor plays!
Few months ago, similar rates were not attractive for us and saw much lesser demand.
But now everyone considering alr or atleast giving a second thought! haha

It’s always about the idea of “where’s the next best alternative”

If everywhere is paying 0.05% while this vehicle pays 1%, suddenly it becomes damn attractive at this point in time

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBMAY25 , as of 11/3/2025:

SBMAY25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	2.49	2.49	2.49	2.65	2.73	2.73	2.79	2.86	2.92	2.98
Average return per year %	2.49	2.49	2.49	2.53	2.57	2.59	2.62	2.65	2.67	2.70

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBMAY25 , as of 20/3/2025:

SBMAY25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	2.47	2.47	2.47	2.63	2.71	2.71	2.77	2.84	2.91	2.97
Average return per year %	2.47	2.47	2.47	2.51	2.55	2.57	2.60	2.63	2.65	2.68

 

[Carnesir]

just applied another 25k today. major drop expected in next month. from 2.73% to 2.47% for 1st year.

 

[pratik28]

just applied another 25k today. major drop expected in next month. from 2.73% to 2.47% for 1st year.

maybe the last time we see ssb above 2.7% 1st yr, likely to oversubscription though decent allocation expected as issuance size is increased to $700m

 

[Rospenn]

maybe the last time we see ssb above 2.7% 1st yr, likely to oversubscription though decent allocation expected as issuance size is increased to $700m

Agreed. I applied 26k to max out my SSB limit.

 

[tiertime]

Agreed. I applied 26k to max out my SSB limit.

Applied 2 times ?
For Each application , DBS deducts the admin fee $2...

 

[ctan84]

Agreed. I applied 26k to max out my SSB limit.

Burst my limit liao. Had to use my wife's quota and burst her limit too.

 

[tiertime]

Burst my limit liao. Had to use my wife's quota and burst her limit too.

Use parents lor

 

[ctan84]

Use parents lor

They also maxed out liao. Never come borrow my slot very gd liao.