{"id":1355,"date":"2023-05-31T10:37:26","date_gmt":"2023-05-31T02:37:26","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=1355"},"modified":"2026-10-25T17:52:19","modified_gmt":"2026-10-25T09:52:19","slug":"singapore-t-bill-yield-jumped-to-3-85-what-caused-the-rise","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/singapore-t-bill-yield-jumped-to-3-85-what-caused-the-rise\/","title":{"rendered":"Singapore T-bill Yield Jumped to 3.85%. What Caused the Rise?"},"content":{"rendered":"

The latest 6-month T-bill auction on 25 May<\/a> was good news for investors: the cut-off yield jumped to 3.85%. While\u00a0fixed deposit rates<\/a> started declining, Singapore T-bill yields<\/span>\u00a0rebounded. Yay! What\u2019s driving the rebound in the yield, and should we invest in T-bills?<\/span><\/p>\n

 <\/p>\n

T-bill Demand Rebounded<\/h2>\n

The last T-bill application amount went up to $12.2 billion (up slightly from $12 billion in the previous auction). Though not significant, the rise in demand still surprises investors because of the trend of lower interest rates and the possibility of losing a one-month CPF interest rate due to the unfavorable maturity date.<\/span><\/p>\n

\"Singapore<\/p>\n

The rise in T-bill demand may be partly attributed to lower-interest-rate alternatives to fixed deposits, which have steadily declined over the past few months. This higher demand may contribute to a slight rebound in the final cut-off yield.<\/span><\/p>\n

 <\/p>\n

Larger T-bill Allotment Size<\/h2>\n

The last T-bill auction saw a total allotment of $5.3 billion, slightly higher than the previous issuance of $5 billion. The slight bump in allotment size may contribute to the higher cut-off yield, as more bids receive allocations.<\/span><\/p>\n

 <\/p>\n

US Interest Rate Rising & Market Expectation<\/h2>\n

The rebound in Singapore T-bill yield was unsurprising considering the recent rise in the short-term and long-term US Treasury rates.<\/span><\/p>\n

\"The
The 6-month Treasury rate chart shows a steady rise in the past few weeks.<\/figcaption><\/figure>\n
\"The
The 10-year Treasury rate chart also shows a significant rise in the past few weeks.<\/figcaption><\/figure>\n

Many factors were\u00a0at play:\u00a0the debt ceiling issue<\/a>,\u00a0a growing US economy<\/a>,\u00a0sticky inflation<\/a>,\u00a0the Fed continuing to raise rates<\/a>, and the market not expecting interest rate cuts so soon<\/span>.<\/span><\/p>\n

\"Market
The market is only expecting a 25bps rate cut toward the end of the year.<\/figcaption><\/figure>\n

With the market generally not expecting interest rate cuts anytime soon and expecting higher rates to persist, it is surprising that Singapore local banks are cutting their fixed deposit rates<\/a> so quickly.\u00a0The T-bill auction result shows that the market still demands higher short-term rates, at least for now.<\/span><\/p>\n

 <\/p>\n

Should We Invest in T-bills? Better than Fixed Deposits?<\/h2>\n

Many T-bill alternatives, such as cash management and high-yield savings accounts, offer yields above the latest cut-off of 3.85%. However, with these alternatives, there is usually a ‘catch.’ For example, some cash management accounts with higher interest do not guarantee your initial capital. High-yield savings accounts often require hoops to jump through to get the highest possible interest rate, which can make the effective interest rate much lower. Additionally, there is a limit on how much you can deposit to earn that high interest rate.<\/span><\/p>\n

T-bills have no ‘catch’ because the initial principal and interest are guaranteed for the whole duration regardless of market volatility. There is also a very high ceiling on the amount you can buy. You can buy as much as you want (subject to allotment size). With these characteristics, the best comparison to T-bills is a fixed deposit.<\/span><\/p>\n

With T-bills yielding much higher than fixed deposits, there is little reason to park your cash in fixed deposits. T-bills are simply more attractive right now. If you want to be sure, you can use the competitive bid when applying for T-bills to ensure you get the rates you can accept.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The latest 6-month T-bill auction on 25 May was good news for investors: the cut-off yield jumped to 3.85%. While\u00a0fixed deposit rates started declining, Singapore T-bill yields\u00a0rebounded. Yay! What\u2019s driving the rebound in the yield, and should we invest in T-bills?   T-bill Demand Rebounded The last T-bill application amount went up to $12.2 billion… Continue reading Singapore T-bill Yield Jumped to 3.85%. What Caused the Rise?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":1360,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[102],"tags":[],"class_list":["post-1355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-singapore","entry"],"yoast_head":"\nSingapore T-bill Yield Jumped to 3.85%. 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