For years, I have been nagging at my wife to put her money into the Singapore Savings Bonds ("SSB") as she is only willing to invest a very tiny part of her overall excess funds into stocks while preferring to hoard the bulk of her cash savings in the bank which make her feels "secure and safe". I was astounded to see that the SSB yield rising to 2.7% for the recent July 2022 tranche. The August tranche which just opened today (1st July 2022) for application is expected to give an even better yield due to rising interest rate environment. What I like about the SSB is that any individuals can redeem it in any month without any financial penalty should one need the cash urgently. Decent risk free yield coupled with high liquidity makes the SSB a wonderful investment particularly for risk adverse investors. The main difficulty for my wife...