Are Singapore T-Bills and SSB Still Worth It as Yields Drop?

 With central banks cutting interest rates and global inflation cooling, yields on safe-haven Singapore government assets have slipped significantly.

If you are parking cash right now, here is how the numbers stack up:

• Singapore Savings Bonds (SSB): Offer a 10-year step-up average return of ~1.83% with penalty-free monthly redemptions, making them ideal for locking in flexible long-term rates.

• 6-Month T-Bills: Yields have dropped to ~1.41%, offering government-backed safety for ultra-short horizons but carrying reinvestment risk as rates trend downward.

While both remain risk-free options for capital preservation, falling yields mean real returns could struggle against inflation. To maximize returns, conservative investors may need to look at alternatives like dividend-paying SGX REITs, high-yield money market funds, or corporate bond funds to diversify their income.

Should you still lock in SSBs or switch strategies entirely? Watch the full video breakdown to see how to position your cash for maximum yield:

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👉 Click Here to Watch: Are T-Bills and Singapore Savings Bonds Still Worth Investing Now?