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Singapore Savings Bonds - Risk-Free And Better Than Bank Fixed Deposits? 

The Fifth Person
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Singapore Savings Bonds (SSB) - Is there a risk-free instrument that offers a high interest with no early redemption penalty?
SSBs are fully backed by the Singapore government and you can always get your investment back in full with no capital loss. Perfect for risk averse individuals. So if you are looking for a place to park your extra cash during this high inflationary environment, you may want to have a look at Singapore Savings Bonds.
Singapore Savings Bond - An Investor's Guide
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Опубликовано:

 

16 сен 2024

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Комментарии : 48   
@davidforesto
@davidforesto Год назад
I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring!
@eadad4371
@eadad4371 Год назад
Glad I came across this comment section. I was struggling to decide what to do with a good amount of money in the bank doing nothing. I would be happy if you could advise me, as I am ready to go the passive income path...
@hanhsiangwong3065
@hanhsiangwong3065 4 месяца назад
What if interest rates continue to go up? Will it come to a point where holding the ssb bought a year ago doesnt make sense anymore?
@TheFifthPersonChannel
@TheFifthPersonChannel 4 месяца назад
You can redeem your previous SSB with no penalty and purchase the new SSB to enjoy the higher interest rate
@xioncalibrat
@xioncalibrat 2 года назад
lol can consider SG Tbills AAA graded as well.. best u can use CPF OA to throw it in. Next trench in early August gonna be higher than CPF OA rate! Typical issue size amount around S$2 billion to S$4 billion.
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Good points too! The SSB is more flexible but you can't use CPF to purchase it.
@vvvv5287
@vvvv5287 2 года назад
Thank you for this discussion on SSB. Will you be able to do a video discussion on how to do a valuation on stocks?
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Thanks! Yes, we will consider that for a future roundtable
@cs-chan.youtube
@cs-chan.youtube 2 года назад
There is a 1 month waiting time for the fund to be returned to us when we redeem the SSB. May I ask whether the waiting time also entitle to the (coupon) interest?
@yili7347
@yili7347 2 года назад
For Jun 2022 issuance, those who applied for S$18K or lower were fully allotted, subject to the individual max limit. Those who applied >$18k, the allotment was not full, as you have pointed out.
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Yes, looks like it take some time to reach the limit of $200K.
@yili7347
@yili7347 2 года назад
@@TheFifthPersonChannel yup, then again, at the same time, mas is also increasing the allocation size from June to July. From 600m to 700m. Hopefully they will increase it further in the future. 😛
@mrlester2769
@mrlester2769 2 года назад
Thank you guys for always sharing such useful insights!
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Thanks for watching, Lester!
@k9healthy
@k9healthy 2 года назад
Can non-resident foreigners buy SSBs? Thanks.
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Foreigners can buy SSBs too: www.mas.gov.sg/bonds-and-bills/investing-in-singapore-savings-bonds/how-to-buy
@jamesmadison3108
@jamesmadison3108 2 года назад
we can calculate the following month SSB issue by simply calculating the sgs yield. At this point of time, no the September SSB will be below 3 percent and hover around 2.8 percent.
@ggh4840
@ggh4840 2 года назад
I would invest in you guys. Very intelligent and can clearly see you care about people 💙👍🏼
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Thanks so much for the kind words! 🙏🙏
@ramanantan
@ramanantan 2 года назад
Just exploring on this further. Would you consider starting up a “The Fifth Person Fund” in the future where people can invest in? Something like the Compounder Fund.
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Maybe... but we enjoy focusing on our own funds at this time!
@ggh4840
@ggh4840 2 года назад
@@TheFifthPersonChannel absolutely was hinting that if you had a fund I’d invest. You fellas would be the next Berkshire Hathaway 👍🏼 I’d be in for the long ride.
@linalim5578
@linalim5578 2 года назад
Thank you for the discussion on SSB. Can you also make a video about SGS? Thanks
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Coming up soon!
@ramanantan
@ramanantan 2 года назад
Extract from MAS website: This Savings Bond was allotted using the Quantity Ceiling format. Applicants who applied for S$18,000 or lower were fully allotted, subject to the individual allotment limits. But that was for June. I guess the ceiling will be close to 10K for July.
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Probably! With the higher interest on offer
@whitedancer5866
@whitedancer5866 2 года назад
Can I withdraw SSB partially while the remaining continue to compound?
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Yes, you can. Redemption amounts must be in multiples of S$500.
@tanwil912
@tanwil912 2 года назад
At the moment, is govt treasury bill better than SSB? At least for short term period.
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
The SSB is more flexible than SGS bonds though. The SSB can be withdrawn at face value at any time, but SGS bonds are sold on the secondary market at the prevailing market price.
@tanwil912
@tanwil912 2 года назад
Thanks. Treasury bill is offering 2.93% atm for 6m. For short term horizon, this will be better than SSB though you cannot withdraw anytime
@vrushalishah2916
@vrushalishah2916 2 года назад
Hi - Is this only applicable for Singaporeans and PR holders or Work pass holders can also apply?
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Foreigners can buy SSBs too: www.mas.gov.sg/bonds-and-bills/investing-in-singapore-savings-bonds/how-to-buy
@selva4730
@selva4730 2 года назад
Can Malaysian buy this SSB?
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Yes, but you will need a CDP account: www.mas.gov.sg/bonds-and-bills/investing-in-singapore-savings-bonds/how-to-buy
@stevenyip2631
@stevenyip2631 2 года назад
Does it make sense to use CPF Ordinary Account money to buy SSB?
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
You can't use your CPF to purchase SSBs, but you can use your SRS: www.mas.gov.sg/bonds-and-bills/investing-in-singapore-savings-bonds/how-to-buy
@dcpedal
@dcpedal 2 года назад
T-bills can use CPF but cannot do online according to what I read. T-bills yields are higher becos they are short-term (6mths, 1yr) but early redemption subjected to market prices. So just hold till maturity
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Yes! You use CPF for SGS bonds which are different from SSB.
@kahhengtee5746
@kahhengtee5746 2 года назад
Any content about robo advisor
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
We haven't covered robo-advisors as of now
@davidrichard6480
@davidrichard6480 2 года назад
Good presentation guys. A couple of things that you could have emphasized more. The scheme is oriented toward smaller investors due to the $200k overall cap (all issues combined) and the allocation process when oversubscribed. For example, in the most recent issue applicants who applied for S$18k or less were fully allotted. Applicants wanting to invest say $100k would have been allotted no more than $18k. Hence it could take several issues/months to invest $100k. I'm told that this is partly because holders of previous SSB issues are redeeming with a view to re-invest in new SSB issues that of course offer much higher interest rates. This is helping fuel over-subscription at present. So if you want to invest up to the $200k limit it might take a long time!
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Thanks David! Good points!
@praba991ify
@praba991ify Год назад
It's already empathized in this video
@ahbai1976
@ahbai1976 2 года назад
Pls get the facts right…. There is no compounding here…. Interest is paid out every 6 months
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
It is simple interest which is also represented on an average compounded basis. This compounded figure is also headlined on the MAS website: www.mas.gov.sg/bonds-and-bills/Singapore-Savings-Bonds
@UnbeatableMortgage
@UnbeatableMortgage 2 года назад
loving the organized chaos. FFR projected to raise to 3.4% by end of year, I believe should see a proper increase to SSBs. SORA @ 0.928 correlation coefficient with effr. check out the standing facility rates for singapore; they guide sora. +1 sub :D
@TheFifthPersonChannel
@TheFifthPersonChannel 2 года назад
Thanks for subscribing! 😊
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