Singapore Savings Bonds

[reddevil0728]

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.

of for sure.

but am just saying that higher interest in the latter years don’t really matter if comparing over 10 years.

because is the average is what you actually get

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBSEP25 , as of 10/7/2025:

SBSEP25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.70	1.70	1.70	1.74	1.88	2.06	2.32	2.57	2.78	2.91
Average return per year %	1.70	1.70	1.70	1.71	1.74	1.79	1.86	1.95	2.03	2.11

 

[rizhal]

First SSB to mature soon.

 

[TehSi99]

First SSB to mature soon.

Endurance to the finishing line.

 

[rizhal]

Endurance to the finishing line.

Amazing to see 71% stick to end of 10 years, according to this Reddit.

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBSEP25 , as of 22/7/2025:

SBSEP25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.72	1.72	1.72	1.78	1.91	2.09	2.33	2.56	2.75	2.88
Average return per year %	1.72	1.72	1.72	1.73	1.77	1.82	1.89	1.97	2.05	2.12

 

[homedriver]

August one not bad can consider.

 

[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

Deadline to apply is today 9pm.

 

[lzydata]

Total amount applied S$355.8 million
Total amount within individual allotment limits S$321.4 million
Total amount alloted S$321.4 million

All subscribers allotted.

 

[hwckhs]

Final projection by https://www.ilovessb.com/projection/SBSEP25 , as of 31/7/2025:

SBSEP25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.71	1.71	1.71	1.79	1.92	2.09	2.31	2.53	2.72	2.85
Average return per year %	1.71	1.71	1.71	1.73	1.77	1.82	1.88	1.96	2.04	2.11

Based on SGS benchmark yields (Jul 2025):
1 year: 1.78
2 year: 1.72
5 year: 1.77
10 year: 2.11

 

[lzydata]

SBSEP25 GX25090A Bond Details​

Amount offered[1] S$400.0 million

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest percent	1.71	1.71	1.71	1.79	1.92	2.09	2.31	2.53	2.72	2.85
Average return per year %[1]	1.71	1.71	1.71	1.73	1.77	1.82	1.88	1.96	2.04	2.11

https://www.mas.gov.sg/bonds-and-bi...ond?issue_code=GX25090A&issue_date=2025-09-01

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBOCT25 , as of 12/8/2025:

SBOCT25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.62	1.62	1.65	1.77	1.89	2.02	2.19	2.37	2.52	2.64
Average return per year %	1.62	1.62	1.63	1.66	1.71	1.76	1.82	1.88	1.95	2.01

 

[hwckhs]

Projection by https://www.ilovessb.com/projection/SBOCT25 , as of 21/8/2025:

SBOCT25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.59	1.59	1.61	1.74	1.86	1.98	2.14	2.30	2.45	2.56
Average return per year %	1.59	1.59	1.60	1.63	1.68	1.72	1.78	1.84	1.90	1.96

 

[lzydata]

Public announcement on MAS website. Apparently they are concerned people will do this:

• Note: You do not need to submit a redemption request for bonds maturing the following month. The first tranches of SSBs will be maturing in 2025 (e.g. SBOCT15 GX15100F will mature on 1 October 2025). Your principal and the last interest payment will be automatically credited to your DCS bank account or SRS account upon maturity.

https://www.mas.gov.sg/bonds-and-bills/Singapore-Savings-Bonds

 

[reddevil0728]

Public announcement on MAS website. Apparently they are concerned people will do this:

• Note: You do not need to submit a redemption request for bonds maturing the following month. The first tranches of SSBs will be maturing in 2025 (e.g. SBOCT15 GX15100F will mature on 1 October 2025). Your principal and the last interest payment will be automatically credited to your DCS bank account or SRS account upon maturity.

https://www.mas.gov.sg/bonds-and-bills/Singapore-Savings-Bonds

Their faith in humanity also not very high lol.

 

[vsvs24]

Public announcement on MAS website. Apparently they are concerned people will do this:

• Note: You do not need to submit a redemption request for bonds maturing the following month. The first tranches of SSBs will be maturing in 2025 (e.g. SBOCT15 GX15100F will mature on 1 October 2025). Your principal and the last interest payment will be automatically credited to your DCS bank account or SRS account upon maturity.

https://www.mas.gov.sg/bonds-and-bills/Singapore-Savings-Bonds

Good to be clear.

 

[hwckhs]

Final projection by https://www.ilovessb.com/projection/SBOCT25 , as of 29/8/2025:

SBOCT25

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest %	1.56	1.56	1.58	1.71	1.83	1.95	2.10	2.26	2.40	2.51
Average return per year %	1.56	1.56	1.57	1.60	1.65	1.69	1.75	1.81	1.87	1.93

Based on SGS benchmark yields (Aug 2025):
1 year: 1.61
2 year: 1.56
5 year: 1.65
10 year: 1.93

 

[Solidus_GZ]

I just applied 10k to play play

 

[reddevil0728]

I just applied 10k to play play

Hmmm what’s there to play?

 

[lzydata]

SBOCT25 GX25100S Bond Details​

Amount offered S$400.0 million

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest percent	1.56	1.56	1.58	1.71	1.83	1.95	2.10	2.26	2.40	2.51
Average return per year %[1]	1.56	1.56	1.57	1.60	1.65	1.69	1.75	1.81	1.87	1.93

https://www.mas.gov.sg/bonds-and-bi...ond?issue_code=GX25100S&issue_date=2025-10-01