The latest SSB Jan 2026 (SBJAN26 GX26010A) has been released: the first-year rate is 1.33%, and the ten-year average rate is 1.99%. Great, this is the second month the rate has climbed after months of declining rates. Should we consider this month’s SSB given that we are in the midst of a rate-cut cycle? SSB Jan 2025 Details Great news for investors, this is another month of higher SSB rates, yay! After months of declining rates, we finally see a reversal of this trend. The first-year rate is still slightly lower at 1.33%, while the 10-year average jumped to 1.99%. Despite the increase, investors should still be aware that we are already in the middle of a rate-cut cycle, which may continue to put downward pressure on rates in the coming months. Are you interested in this SSB Jan 2025 offering? If so, please take note of the following application timeline: Competitiveness Although the 10-year rate is higher than last month’s rate, how does it compare historically?...