Just like SBJUN26, the latest Singapore Savings Bond (SBJUL26, GX26070F) delivers an effective return of 2.11% over 10 years if I hold it to maturity. Even a short one‑year holding period offers a 1.46% first‑year interest rate, which still outperforms many digital bank accounts today. For instance, GXS Bank’s saving pocket currently pays 1.08% per annum, noticeably lower than the starting yield of this SSB tranche.

What continues to stand out about the Singapore Savings Bond is its stability. Promotional bank rates come and go, but SSB interest rates are transparent, predictable, and designed for long‑term planning. The built‑in step‑up structure rewards patience whereby my effective return increases the longer I stay invested. That aligns perfectly with how I approach retirement planning, where consistency and reliability matter far more than chasing short‑lived offers.