No no no, I don’t mean myself or you. I’m referring to the citizens – John Smiths and Jane Does of Singapore. After Singapore Savings Bonds was launched amid much fanfare (in the finance-savvy community), I was curious about how effective the broadcast truly was. I don’t read much local news and I’m guessing it was more or less restricted to the mainstream media with news article on Straits Times, Business Times or Channel News Asia covering the Whats, Whys and Hows. But hey, nothing beats randomly asking a few clueless people, huh? I asked my wife. My family. Friends. Colleagues. Ex-colleagues. Not a single person knew about Singapore Savings Bonds. And here we are, wondering about the dismal take-up rate of the first issue of the Singapore Savings Bonds. Yeah, granted that mine is a really small sample size but it sort of gives a pretty good idea of ......