With interest rates and the T-bill yield falling, we find out if we should apply to the latest SSB which offers a 10-year average return of 3.07% or wait for the next one. What happened? Many investors noticed that interest rates have been falling in recent weeks. The cut-off yield for the latest 6-month T-bill declined slightly to 3.73%, after the Fed signaled that there may be three rate cuts next year. This led some investors to ask us if we should subscribe to the current issuance of the Singapore Savings Bond (SSB) or wait for the next one. Earlier, we shared that the latest SSB (SBJAN24 GX24010F) offers a 10-year average interest rate of 3.07%. Compared to the T-bills and fixed deposits, the SSB allows us to lock in a high interest rate for an extended duration of up to 10 years, while retaining the flexibility to redeem anytime....