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Short, data-first explainers. No jargon, no pitch.
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Updated 24 Jun 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.
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Updated 17 Jul 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.
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Updated 01 Sep 2026
SSB vs T-bill: how the two compare
A framework for comparing Singapore Savings Bonds and Treasury Bills by liquidity needs, rate outlook, and amount committed — and where SGS bonds fit.
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Updated 17 Jul 2026
CPF OA vs SSB: how they compare 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.
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Updated 17 Jul 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.
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Updated 01 Sep 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.
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Updated 17 Jul 2026
The full SG retail fixed-income landscape
Singapore retail fixed-income compared: SSB, T-bills, SGS bonds, fixed deposits, money market funds, high-yield savings, and CPF — and how they fit together.
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Updated 01 Sep 2026
Cut-off, median, and average T-bill yield: which one do you actually get?
A Singapore T-bill auction shows three yields — cut-off, median, and average. Only the cut-off is the rate you receive. What each means and why they differ.
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Updated 04 Aug 2026
S-REIT yield vs T-bill yield: how to read the spread
Singapore REITs yield several percentage points more than T-bills and SGS bonds. What that gap is, why it exists, and why a wider gap is not a better deal — a yield gap, not a safety comparison.