The effective interest rate for the Singapore Savings Bond SBDEC25 (GX25120E) is 1.85% if held to maturity over 10 years. While overall SSB rates have been trending downward, this tranche reflects a modest recovery. Curious about the yield if you redeem after just one year? You do earn an annual return of 1.35%. Further down this post, we will explore the year-by-year interest breakdown for SBDEC25. Thanks to the “step-up” feature, returns increase the longer you hold the bond, making it ideal for long-term savers. Singapore Savings Bonds, issued by the Monetary Authority of Singapore (MAS), offer a safe and flexible way for individuals to grow their savings. With a low entry point of just $500, they provide better returns than traditional savings accounts and can be held for up to 10 years, delivering semi-annual interest payments. Why consider Singapore Savings Bonds? Despite relatively modest yields, SSBs are low-risk investments, perfect for conservative investors seeking steady growth. The longer you hold them, the higher your effective return....