Singapore Savings Bonds

[sglandscape]

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

If SGS hits 5% I think can forget about staying in SG already.

 

[tiertime]

If SGS hits 5% I think can forget about staying in SG already.

Then stay where ... Everywhere else got natural disasters... Except Malaysia

 

[DevilPlate]

Just curious to find out if anyone consider SGS bonds?

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

30y final cut off yield shd be around 2.7% nia

 

[DevilPlate]

If SGS hits 5% I think can forget about staying in SG already.

Duno whether in the 70s SGS >5% anot

 

[DevilPlate]

I may not be alive until 2054 though

Beneficiaries can inherit mah….itsok lah

 

[DevilPlate]

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.

Depends lah….retirees with max out SSB can consider…..i myself bought 5/10y SGS last yr. (Kinda regret never buy more )

But yeah…..only buy with the intention of holding till maturity.
Someone said >250k lot size able to sell via primary dealers.

If 5/10y to u consider sibei long liao then how come still got peeps bought 25y endowment plans…..me last time also bought a few (all matured liao)

 

[reddevil0728]

Then stay where ... Everywhere else got natural disasters... Except Malaysia

A lot of people don’t understand what’s having a cake and eat it too

 

[pytha6ora$]

Just curious to find out if anyone consider SGS bonds?

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

I did! I bought when it was 1st issued. Regret never buy more.

Collected the 1st half yearly interest not too long ago @ 3.25%.

 

[sglandscape]

Duno whether in the 70s SGS >5% anot

Singapore was not a triple A rated country then, so it would not be comparable.

 

[8zaoyu]

Depends lah….retirees with max out SSB can consider…..i myself bought 5/10y SGS last yr. (Kinda regret never buy more )

But yeah…..only buy with the intention of holding till maturity.
Someone said >250k lot size able to sell via primary dealers.

If 5/10y to u consider sibei long liao then how come still got peeps bought 25y endowment plans…..me last time also bought a few (all matured liao)

Actually SSB is only 200k max and nowadays given a fraction, if not already drawing down payouts at maxed 4% RA (post 65 yo), can actually consider 5/10/15/20 bonds say got around 3-4% , giving you interests every 6 months, best up to 85 yo, the average death age, otherwise sale at future "loss year" on death ???

 

[reddevil0728]

Actually SSB is only 200k max and nowadays given a fraction, if not already drawing down payouts at maxed 4% RA (post 65 yo), can actually consider 5/10/15/20 bonds say got around 3-4% , giving you interests every 6 months, best up to 85 yo, the average death age, otherwise sale at future "loss year" on death ???

where got give a fraction? past few tranches all full no?

 

[vsvs24]

Actually SSB is only 200k max and nowadays given a fraction, if not already drawing down payouts at maxed 4% RA (post 65 yo), can actually consider 5/10/15/20 bonds say got around 3-4% , giving you interests every 6 months, best up to 85 yo, the average death age, otherwise sale at future "loss year" on death ???

post 65 better don't go for SGS because harder to sell.

Go for something simplier because when older the mind is less alert and maybe even get dementia.

 

[sdexxxxd]

Amount offered[1]S$700.0 million

Result (28 Apr 2025)
Total amount appliedS$431.5 million
Total amount within individual allotment limitsS$400.8 million
Total amount allotedS$400.8 million
Quantity ceiling

 

[rachdanon]

Amount offered[1]S$700.0 million

Result (28 Apr 2025)
Total amount appliedS$431.5 million
Total amount within individual allotment limitsS$400.8 million
Total amount allotedS$400.8 million
Quantity ceiling

Got $18k, apparently the ceiling.

 

[hwckhs]

Got $18k, apparently the ceiling.

There is no quantity ceiling. You will get all the amount you applied for, subject to individual limit of $200k.

https://www.mas.gov.sg/bonds-and-bi...ond?issue_code=GX25050T&issue_date=2025-05-02

 

[rachdanon]

There is no quantity ceiling. You will get all the amount you applied for, subject to individual limit of $200k.

https://www.mas.gov.sg/bonds-and-bi...ond?issue_code=GX25050T&issue_date=2025-05-02

Hmm, let me double check as it's my spouse who was giving me feedback.

 

[8zaoyu]

post 65 better don't go for SGS because harder to sell.

Go for something simplier because when older the mind is less alert and maybe even get dementia.

Simpler and safe - Tbills 6 mth / 12 mth ?
SSB 10 yr w max 200k individually
CPF RA max 4x and drawing down monthly soon.
What else SAFE for post 65 yo in Money Mind here?

 

[ctan84]

Got $18k, apparently the ceiling.

This round never exceed quantity offered, so won't have ceiling for allocation one.

 

[DevilPlate]

post 65 better don't go for SGS because harder to sell.

Go for something simplier because when older the mind is less alert and maybe even get dementia.

Isn’t it better for older folks from kena scam since so hard to sell

 

[DevilPlate]

Simpler and safe - Tbills 6 mth / 12 mth ?
SSB 10 yr w max 200k individually
CPF RA max 4x and drawing down monthly soon.
What else SAFE for post 65 yo in Money Mind here?

SGS is risk free…..and safe from scammers/ownself scam ownself (gambling/feed small tree)as well.
How to be safer than that?
Spread into 5/10y SGS so that u can have one lump sum coming back every 5years to spend or renew