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Singapore Savings Bonds Issue May 2023


The latest Singapore Savings Bonds yields 3.03% for 1 year and 3.21% for the 10th year, giving us a 10 year average yield of 3.07%. The interest rates are paid every 6 months.


Alternatively, Cash Management solutions like Endowus Cash Smart (Secure: 3.6-3.9%, Enhanced: 4.1% to 4.4%) could be a better idea for those looking to have a balance of liquidity and interest rates (note that Enhanced and Ultra have some minor volatility). Withdrawals are in shorter 3-5 business days unlike the Singapore Savings Bonds.


 

Application/Withdrawal period is from the 1st Business Day of the Month to the 4th last Business Day of the Month.

You will receive the bonds/money on the 1st Business Day of the next month.

The fee is $2 for application/withdrawal for any sum in multiples of $500.

This bond is a AAA bond backed by Singapore government (very safe).

You can invest it with cash or your Supplementary Retirement Scheme (SRS) account, with a total of $200,000 maximum invested, starting with a minimum of $500.

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