There is more news on the Singapore Savings Bond (SSB) by now and there is also plenty of discussion in cyberspace about it. I am sure there is no shortage of questions along the line of “Good or not har?

So, this is AK asking the same question (i.e. “Good or not har?“)  and attempting an answer.

To answer this question, we must first answer a couple of other questions:

1. What is our purpose for considering the SSB?

2. What are the alternatives out there?

When I first found out about the SSB, I thought that it might be a good place to park my emergency fund and war chest. Whether I would do it or not would very much depend on the yield I could get from the SSB.

Currently, I park my emergency fund in fixed deposits. The emergency fund is money that I will not touch unless things go very wrong…