The US stock market got off to a roaring start in 2024, with the S&P 500 exceeding its previous peak. The improved sentiment has been driven by an easing of inflation and expectations of interest rate cuts. To understand if the rally can be sustained, we analyse whether inflation would continue to ease in 2024. In the meantime, interest rates continue to fluctuate. The cut-off yield for the latest 6-month Singapore T-bill fell to 3.7% from 3.74% in the previous auction. We discuss if it might be more worthwhile to apply for the upcoming 1-year T-bill auction. If you are thinking of making your CPF savings work harder, we also do the sums to find out if it might be worth putting our CPF OA funds into a 12-month fixed deposit offering 2.9% per annum. Lastly, we share why we would consider waiting for the next SSB rather than apply for the latest SSB based on our SSB interest rate projections....