If you’ve been closely monitoring the interest rate of Singapore Savings Bond (SSB), you will notice the rates have dropped recently. While the 3% yield is a thing of the past, SSB may still be an attractive option given the continuous decline in interest rates offered by bank accounts. If you are not familiar with Singapore Savings Bond (SSB), it is a Singapore government-backed safe investment, with step-up interest rates and flexible redemption options. SSB provides a low-risk avenue for building a robust income stream under my Kueh Lapis Investment Framework. You can check out our Complete Guide to Singapore Savings Bonds (SSB). This Month’s Bond The latest issuance of the Singapore Savings Bond (SSB) SBOCT25 offers a 10-year average return of 1.93% per year. You can apply for the latest SSB before the closing on 26 September 2025. The bond’s Issue code is GX25100S, it has

• An interest rate from 1.56% (year 1) to 2.51% (year 10) per annum with two semi-annual payments, and

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