The latest SSB Feb 2025 offering has a slightly higher first-year rate of 2.76% but a lower 10-year average rate of 2.82%. These rates are roughly in line with last month’s offering. Given that we have entered a new rate cut cycle, should we consider this month’s SSB? SSB Feb 2025 Details This month’s SSB offering (SBFEB25 GX25020H) is slightly lower than last month’s, but it still offers decent rates: 2.76% for the first year and 2.82% for the 10-year average. Although recent US inflation data have shown that it is stickier than anticipated, the Fed has been embarking on its rate-cut cycle, with more cuts expected throughout 2025. If you have yet to fill out your desired SSB allocation, this SSB Feb 2025 can be an option to consider. Please take note of the following application timeline: Competitiveness The historical SSB interest rates from 2021-2025. Source: SSB Interest Rate History Even though this month’s SSB rates are...