Entering 2025 has investors feeling anxious as there are more worries and news surrounding a slowdown in rate cuts, from an initial forecast of 4 cuts to only 2 cuts. On the bright side, a slowdown in rate cuts signifies that fixed income investments will continue to yield higher rates for the time being. As rate cuts continue, this means the risk-free rate will be impacted as well, which will impact fixed-income investments as they are linked. As such, risk-averse investors should start capitalizing on high-yield fixed-income investment alternatives before the yield drops further. In Singapore, apart from the traditional Fixed Deposits offered by banks and financial institutions, we have government bonds such as the Singapore Savings Bond (SSB) and Treasury Bills (T-Bills). We also have money market funds that are offered by brokers but we will be taking that out of the comparison as the returns are not guaranteed. Without further delay, let’s dive in and find out which fixed-income  ...