{"id":17497,"date":"2024-11-29T09:55:35","date_gmt":"2024-11-29T01:55:35","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=17497"},"modified":"2024-11-29T09:55:38","modified_gmt":"2024-11-29T01:55:38","slug":"singapore-savings-bond-interest-rate","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/singapore-savings-bond-interest-rate\/","title":{"rendered":"Singapore Savings Bonds (SSB) Allotment December 2024 Update"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Launched in 2015 by the Singapore Government, the Singapore Savings Bonds (SSBs) have long been the go-to investment choice for many Singaporeans.<\/p>\n\n\n\n

These bonds are generally regarded by investors as a secure way to beat inflation and make the most of their idle cash<\/a>.<\/p>\n\n\n\n

If you\u2019re looking to diversify your investments, the SSB can be a great complement to your overall portfolio. Read on to learn more about the latest SSB interest rates and alternatives you might also want to consider.<\/p>\n\n\n\n

December<\/strong> 2024 SSB Allotment<\/strong><\/h2>\n\n\n\n
Issue code<\/td>GX24120F<\/td><\/tr>
Naming convention<\/td>SBDEC24 GX24120F in your CDP statement

Interest payment will be reflected as CDP-SBDEC24 in your bank statement
GX24120F in your SRS statement<\/td><\/tr>
Tenor<\/td>Approximately 10 years<\/td><\/tr>
Issue date*<\/td>02 Dec 2024<\/td><\/tr>
Maturity date**<\/td>01 Dec 2034<\/td><\/tr>
Interest payment dates<\/td>Upcoming payment: 01 Jun 2025
Subsequent payments (until maturity): Every 6 months on 01 Dec and 01 Jun<\/td><\/tr>
Investment amounts<\/td>Minimum of $500, and in multiples of $500. The total amount of Savings Bonds you can hold at any one time cannot exceed $200,000<\/td><\/tr><\/tbody><\/table>
Source: MAS, updated as of 28 November 2024<\/em><\/figcaption><\/figure>\n\n\n\n

* Issue date refers to the date on which the bond begins to accrue interest.<\/em><\/p>\n\n\n\n

** Maturity date refers to the date on which the bond’s principal is due and will be returned to bondholders.<\/em><\/p>\n\n\n\n

Latest SSB Interest Rate [December 2024]<\/strong><\/h2>\n\n\n\n
Year from issue date<\/td>1<\/td>2<\/td>3<\/td>4<\/td>5<\/td>6<\/td>7<\/td>8<\/td>9<\/td>10<\/td><\/tr>
Interest %<\/td>2.66<\/td>2.66<\/td>2.66<\/td>2.78<\/td>2.84<\/td>2.84<\/td>2.87<\/td>2.93<\/td>2.97<\/td>3.01<\/td><\/tr>
Average return per year %<\/td>2.66<\/td>2.66<\/td>2.66<\/td>2.69<\/td>2.72<\/td>2.74<\/td>2.75<\/td>2.77<\/td>2.79<\/td>2.81<\/td><\/tr><\/tbody><\/table>
Source: MAS, updated as of 28 November 2024<\/em><\/figcaption><\/figure>\n\n\n\n

Should I Invest in SSB?<\/strong><\/h2>\n\n\n\n

Well, it depends.<\/p>\n\n\n\n

Investing in SSB is a great and safe way to grow your money, especially since it\u2019s backed and guaranteed by the Singapore Government.<\/p>\n\n\n\n

It’s also great because unlike fixed deposits or conventional bonds that charge a fee for early withdrawal, there\u2019s no penalty if you wish to withdraw your investment early; if you\u2019re someone who requires your funds to be liquid, then perhaps the SSB might be a good investment option for you.<\/p>\n\n\n\n

On the flip side, the maximum amount allowed you’re allowed to invest is S$200,000 which may be a constraint for some investors. And unlike conventional bonds, SSB are redeemable at the original investment amount. This means investors won\u2019t experience the potential capital gains from bond price appreciation when interest rates decline.<\/p>\n\n\n\n

Alternatives to SSB<\/strong><\/h2>\n\n\n\n

The SSB are a safe haven for conservative investors who are risk-averse. However, only sticking to SSB might cause you to miss out on higher returns.<\/p>\n\n\n\n

Investing in SSB is not the only way to make the most out of your savings; here are some alternatives you may also consider adding to your portfolio.<\/p>\n\n\n\n

SSB vs T-Bills<\/strong><\/h2>\n\n\n\n

Both T-Bills and SSB are highly liquid and offer great flexibility to investors. Here\u2019s how both investment instruments compare:<\/p>\n\n\n\n

SSB<\/strong><\/td>10 years<\/td>2.66% (1-year average return)<\/td>$500 (maximum of $200,000)<\/td><\/tr>
SSB<\/strong><\/td>10 years<\/td>2.81% (10-year average return)<\/td>$500 (maximum of $200,000)<\/td><\/tr>
T-Bill<\/strong><\/td>6 months<\/td>3.08% (from the 26 November 2024 auction)<\/td>$1,000, and in multiples of $1,000<\/td><\/tr>
T-Bill<\/strong><\/td>12 months<\/td>2.71% (from the 22 October 2024 auction)<\/td>$1,000, and in multiples of $1,000<\/td><\/tr><\/tbody><\/table>
Updated as of 28 November 2024<\/em><\/figcaption><\/figure>\n\n\n\n

SSB vs Cash Management Solutions<\/strong><\/h2>\n\n\n\n

Cash management solutions are a straightforward and effective way to put your dollar to work and products like Syfe’s Cash+ Guaranteed<\/a> are designed to maximise your returns.<\/p>\n\n\n\n

Cash+ Guaranteed provides you with guaranteed returns on your investment by placing your funds in fixed deposits with banks regulated by the Monetary Authority of Singapore, and unlike the SSB and T-Bills, you don\u2019t have to worry about oversubscription; your money will be invested fully each time you decide to fund your portfolio.<\/p>\n\n\n\n

<\/td>Tenor<\/strong><\/td>Interest Rates<\/strong><\/td>Minimum Amount<\/strong><\/td><\/tr>
SSB<\/strong><\/td>10 years<\/td>2.66% (1-year average return)<\/td>$500 (maximum of $200,000)<\/td><\/tr>
SSB<\/strong><\/td>10 years<\/td>2.81% (10-year average return)<\/td>$500 (maximum of $200,000)<\/td><\/tr>
Cash+ Guaranteed<\/strong><\/td>3 months<\/td>3.10%<\/td>$0<\/td><\/tr>
Cash+ Guaranteed<\/strong><\/td>6 months<\/td>2.95%<\/td>$0<\/td><\/tr>
Cash+ Guaranteed<\/strong><\/td>12 months<\/td>2.80%<\/td>$0<\/td><\/tr><\/tbody><\/table>
Updated as of 28 November 2024<\/em><\/em><\/figcaption><\/figure>\n\n\n\n

<\/p>\n\n\n\n

SSB vs High Yield Savings Accounts (HYSA)<\/strong><\/h2>\n\n\n\n

If you\u2019re investing in SSB for its liquidity, then perhaps a HYSA might be something you want to explore. HYSAs reward you with higher interest rates than traditional bank accounts, and interest rates are comparable to or surpass SSB when you fulfil certain conditions like salary crediting.<\/p>\n\n\n\n

SSB vs Fixed Deposits<\/strong><\/h2>\n\n\n\n

Fixed deposits<\/a> and SSB are both relatively safe investment choices. <\/p>\n\n\n\n

The key difference is that fixed deposits offer a predetermined rate that stays constant throughout the investment period. The SSB, on the other hand, offers step-up interest rates that increase over time, meaning the longer one invests in it, the higher the interest income.<\/p>\n\n\n\n

Which investment vehicle you choose ultimately depends on your needs; the SSB might be for someone who requires their funds to remain liquid while an investor might go for fixed deposits to lock in the interest rates.<\/p>\n","protected":false},"excerpt":{"rendered":"

Launched in 2015 by the Singapore Government, the Singapore Savings Bonds (SSBs) have long been the go-to investment choice for many Singaporeans. These bonds are generally regarded by investors as a secure way to beat inflation and make the most of their idle cash. If you\u2019re looking to diversify your investments, the SSB can be […]<\/p>\n","protected":false},"author":3,"featured_media":17501,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[287],"tags":[],"class_list":{"0":"post-17497","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing-basics"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":""},"yoast_head":"\nSingapore Savings Bonds (SSB) Allotment December 2024 Update<\/title>\n<meta name=\"description\" content=\"Stay updated with the latest Singapore Savings Bonds (SSB) interest rates and allotment data including application dates, allotment results, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.syfe.com\/magazine\/singapore-savings-bond-interest-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Singapore Savings Bonds (SSB) Allotment December 2024 Update\" \/>\n<meta property=\"og:description\" content=\"Launched in 2015 by the Singapore Government, the Singapore Savings Bonds (SSBs) have long been the go-to investment choice for many Singaporeans. 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