‘You can park your money in Singapore Savings Bonds!’ I am sure you’ve heard something like that before. As investors, we want to keep a war chest of cash that’s ready to be deployed in the stock market whenever opportunities emerge. At same time, we want our money to not sit idly around because inflation is always eating away at its value. The question is… is there a way to boost our returns while our money is waiting, and still have it readily available when we need it? That’s where the Singapore Savings Bond (SSB) comes in. First, it offers full capital protection, meaning to say you can’t lose your principal. Second, it offers a competitive interest rate compared to the fixed deposit rates you’ll get at any of the three Singapore banks. The SSB interest rate can sometimes go as high as 2.5% per annum. Third, it is very liquid;...