Nobody likes to lose money, so wouldn't it be nice if you could place your bets after the results are known? Well, the Singapore Savings Bonds (SSB) almost just allow you to do that. The interest rates for SSB are computed based on the average yields (i.e. interest rates) for the previous month's Singapore Government Securities (SGS). The applications for SSB will close on the 4th last business day of the month. So, by monitoring the SGS yields for the current month, you could estimate what would be the SSB interest rates for the next month. If the estimated interest rates for the next month are higher than that for the current month, it is advantageous to skip the current month's SSB and apply for the next month's SSB instead. Let us take a look at how this works.   The current month's SSB interest rates are shown below. They ......