Singapore Savings Bonds

[lzydata]

Applications for SBJUL25 or redemptions end today 9pm

 

[sdexxxxd]

Result (26 Jun 2025)
Total amount appliedS$353.7 million
Total amount within individual allotment limitsS$319.7 million
Total amount allotedS$319.7 million
Quantity ceiling -

 

[8zaoyu]

The first 5 years Ssb rate so low Sia. Think people will start recommending "voluntary housing refund". Personally I don't think it's good for the lost in liquidity to gain that 2.5

If no penalty to refund, can partial refund, no point savings at such a low interest rates

 

[reddevil0728]

If no penalty to refund, can partial refund, no point savings at such a low interest rates

Cpf housing refund no penalty. Cause is not paying down loan.

anyway can always refund and then still come out through monthly mortgage payment ma

 

[hwckhs]

Final projection by https://www.ilovessb.com/projection/SBAUG25 , as of 30/6/2025:

SBAUG25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.82	1.82	1.82	2.00	2.17	2.30	2.52	2.74	2.94	3.09
Average return per year %	1.82	1.82	1.82	1.86	1.92	1.98	2.05	2.13	2.22	2.29

Based on SGS benchmark yields (Jun 2025):
1 year: 1.99
2 year: 1.84
5 year: 1.93
10 year: 2.29

 

[lzydata]

SBAUG25 GX25080X Bond Details​

Amount offered S$400.0 million

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest percent	1.82	1.82	1.82	2.00	2.17	2.30	2.52	2.74	2.94	3.09
Average return per year %[1]	1.82	1.82	1.82	1.86	1.92	1.98	2.05	2.13	2.22	2.29

Opening Date 01 Jul 2025, 6pm
Closing Date 28 Jul 2025, 9pm
Allotment 29 Jul 2025, after 3pm
Issuance 01 Aug 2025 (by end of day)

https://www.mas.gov.sg/bonds-and-bi...ond?issue_code=GX25080X&issue_date=2025-08-01

 

[ericcsn]

Final projection by https://www.ilovessb.com/projection/SBAUG25 , as of 30/6/2025:

SBAUG25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.82	1.82	1.82	2.00	2.17	2.30	2.52	2.74	2.94	3.09
Average return per year %	1.82	1.82	1.82	1.86	1.92	1.98	2.05	2.13	2.22	2.29

Based on SGS benchmark yields (Jun 2025):
1 year: 1.99
2 year: 1.84
5 year: 1.93
10 year: 2.29

Prediction always spot on!

 

[reddevil0728]

Prediction always spot on!

cause it's not a prediction? is a projection based on formulas and tweak based on observation.

 

[Guojing88]

Anyone here subscribed to the maiden SSB way back in 2015 Oct like me? 3 more months to full maturity!

 

[reddevil0728]

Anyone here subscribed to the maiden SSB way back in 2015 Oct like me? 3 more months to full maturity!

Wonder if Mas plans for a press release

 

[70niner]

Anyone here subscribed to the maiden SSB way back in 2015 Oct like me? 3 more months to full maturity!

Reporting in. Subscribed for the initial novelty.

The first few years yield were very low, but last few years >3%. But I only have a few K worth of it.....

 

[Laneige]

How did they calculate ssb max? Srs n personal acc under same pax?

Is it 200k?

I haven’t hit but I tried two times only 20k 40k also waste $2 say unsuccessful

Anyone knows This one can check with who?
Thanks a lot

 

[reddevil0728]

How did they calculate ssb max? Srs n personal acc under same pax?

Is it 200k?

I haven’t hit but I tried two times only 20k 40k also waste $2 say unsuccessful

Anyone knows This one can check with who?
Thanks a lot

Ssb website FAQ.

some spoonfeed given the unfortunate state of society.

Are there separate individual limits for cash and SRS purchases?
No, there are no separate limits for cash and SRS purchases. The maximum amount of Savings Bonds you can hold, across both cash and SRS accounts, is $200,000 (the “Individual Limit”).

If you have been unsuccessful, then there's some details that you aren't providing that might explain why. and it likely might be something you didn't even realise yourself.


Maybe for a start do this:

How and where can I check what Savings Bonds I have?

For cash and SRS subscriptions

• You may also check your SSB holdings by logging in to the My Savings Bonds portal, accessible via the SSB website (www.mas.gov.sg/ssb). Please note that holdings of the most recent issued SSB will only be reflected in the portal one business day after the issuance date, by 10am.
• NRIC holders may log in to the My Savings Bonds portal using your Singpass ID. Please note that logins via FIN are currently not available.

 

[Guojing88]

Reporting in. Subscribed for the initial novelty.

The first few years yield were very low, but last few years >3%. But I only have a few K worth of it.....

I used up the initial quota of $50,000 for the 1st 2, Oct and Nov.

Those were really step up type, this year the maiden one is paying the marginal rate of 3.7%

0.96

1.09

1.93

2.93

3.25

3.25

3.25

3.25

3.30

3.70

Then they slowly expand the quota to the current 200K

 

[Laneige]

Ssb website FAQ.

some spoonfeed given the unfortunate state of society.

Are there separate individual limits for cash and SRS purchases?
No, there are no separate limits for cash and SRS purchases. The maximum amount of Savings Bonds you can hold, across both cash and SRS accounts, is $200,000 (the “Individual Limit”).

If you have been unsuccessful, then there's some details that you aren't providing that might explain why. and it likely might be something you didn't even realise yourself.


Maybe for a start do this:

How and where can I check what Savings Bonds I have?

For cash and SRS subscriptions

• You may also check your SSB holdings by logging in to the My Savings Bonds portal, accessible via the SSB website (www.mas.gov.sg/ssb). Please note that holdings of the most recent issued SSB will only be reflected in the portal one business day after the issuance date, by 10am.
• NRIC holders may log in to the My Savings Bonds portal using your Singpass ID. Please note that logins via FIN are currently not available.

Ya I don’t know they even have Q&A on this since it’s quite some time liao

 

[rachdanon]

I used up the initial quota of $50,000 for the 1st 2, Oct and Nov.

Those were really step up type, this year the maiden one is paying the marginal rate of 3.7%

0.96

1.09

1.93

2.93

3.25

3.25

3.25

3.25

3.30

3.70

Then they slowly expand the quota to the current 200K

Wow the range so large, no wonder still holding on, as better for most part then the >3% a year or so ago.

 

[reddevil0728]

Ya I don’t know they even have Q&A on this since it’s quite some time liao

Well then the natural thing to do is to check ma

Wow the range so large, no wonder still holding on, as better for most part then the >3% a year or so ago.

Need to look at it in average basis

 

[Guojing88]

Need to look at it in average basis

Like economists always say, "decisions are made at the margin".

 

[reddevil0728]

Like economists always say, "decisions are made at the margin".

Huh? Don’t get the relevance for this context.

 

[Guojing88]

Huh? Don’t get the relevance for this context.

That means in year 10, so long as the marginal interest rate is higher than whatever else you can get now, you should hold on to it.

The average does not matter.