What happened?

Singapore Savings Bonds (SSB) yields have shifted in July 2026.  The latest SSB offers a 1-year return of 1.46% and a 10-year average return of 2.06%. Its first-year return is below latest 6-month T-bill cut-off yield and many fixed deposit rates in Singapore today. We have previously compared them to find out the best place to park our savings to earn a higher yield. However, the SSB allows investors to earn a higher average return when held for longer, while retaining the flexibility to redeem it before maturity.  Hence, I may still consider the SSB as part of my  Liquidity Pot for cash that I want to keep relatively accessible while earning a higher return over a longer period. In this article, I’ll compare the latest SSB against T-bills and fixed deposits, and look at whether it may be worth applying for or waiting for the next issue....