Learn
Short, data-first explainers. No jargon, no pitch.
-
Updated 16 Apr 2026
How Singapore Savings Bonds (SSB) work
A plain-English walkthrough of SSB: step-up coupons, monthly issuance, the $200,000 cap, random allotment when oversubscribed, and redemption at face value.
-
Updated 16 Apr 2026
Singapore T-bill auctions explained
How MAS runs uniform-price T-bill auctions: competitive vs non-competitive bids, the cutoff yield, bid-to-cover ratios, and what the numbers actually mean.
-
Updated 16 Apr 2026
SSB vs T-bill: which one makes sense for you?
A decision framework for picking between Singapore Savings Bonds and Treasury Bills — by liquidity needs, rate outlook, and amount committed. Includes when SGS bonds are the better fit.
-
Updated 12 May 2026
CPF OA vs SSB: which wins for retirement savings?
Comparing Singapore's CPF Ordinary Account floor rate against Singapore Savings Bonds for long-term savings, with the real opportunity-cost math.
-
Updated 16 Apr 2026
How to buy T-bills with CPF
The CPFIS-OA process for T-bills: what you need, fees, timing, and the 'dead money' gotcha that can wipe out your yield gain.
-
Updated 16 Apr 2026
What happens when your SSB matures (or you redeem it early)
The SSB redemption process: windows, fees, accrued interest calculation, SRS-funded redemption, and what happens to SSBs after the holder dies.
-
Updated 16 Apr 2026
The full SG retail fixed-income landscape
The complete map of Singapore retail fixed-income options: SSB, T-bills, SGS bonds, fixed deposits, money market funds, high-yield savings, and CPF — and how they fit together.