{"id":1912,"date":"2023-08-04T11:30:10","date_gmt":"2023-08-04T03:30:10","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=1912"},"modified":"2023-08-31T22:33:49","modified_gmt":"2023-08-31T14:33:49","slug":"singapore-savings-bond-ssb-sep-2023-at-3-06-is-it-attractive","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-sep-2023-at-3-06-is-it-attractive\/","title":{"rendered":"Singapore Savings Bond SSB Sep 2023 at 3.06%: Is It Attractive?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The latest Singapore Savings Bond SSB Sep 2023 (SBSEP23 GX23090F) <\/span><a href=\"https:\/\/www.mas.gov.sg\/bonds-and-bills\/auctions-and-issuance-calendar\/issuance-singapore-savings-bond?issue_code=GX23090F&amp;issue_date=2023-09-01\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">offering is out<\/span><\/a><span style=\"font-weight: 400;\">: <\/span><b>The average 10-year rate is 3.06%, and the first-year rate is 3.01%<\/b><span style=\"font-weight: 400;\">. This is excellent news for investors as we return to the 3% level. Yay! This offer also provides higher first-year and average 10-year rates in line with the ongoing trend of increasing rates. This SSB offering looks juicy. Should we consider applying for this month\u2019s offering?<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Key Takeaways<\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The rates for SSB Sep 2023 are slightly higher than last month\u2019s offering, with the average 10-year rate at 3.06%. This is a rather attractive proposition as the market expects that we are nearing the end of this rate hike cycle. This can be an excellent opportunity for investors seeking capital preservation to lock in higher rates for the next ten years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This SSB Sep 2023 can be an opportunity for investors who want to recycle older SSBs yielding below 3%.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For investors looking to park their cash in the short term, you may consider other alternatives such as 6-month \/ 1-year T-bills or high-yield savings accounts.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>SSB Sep 2023 Offering<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1913 size-large\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/08\/SSB-SEP-2023-1024x1024.png\" alt=\"SSB SEP 2023\" width=\"750\" height=\"750\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-SEP-2023-1024x1024.png 1024w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-SEP-2023-300x300.png 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-SEP-2023-150x150.png 150w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-SEP-2023-768x768.png 768w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-SEP-2023.png 1080w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">This month\u2019s offering is rather attractive as it offers above 3% rates for the whole duration. The rates are slightly higher than <\/span><a href=\"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-aug-2023-at-2-99-interest-rate-rising\/\"><span style=\"font-weight: 400;\">Aug 2023 offering<\/span><\/a><span style=\"font-weight: 400;\">, where they were still below 3%. And guess what? This SSB Sep 2023 offering is one of the highest in recent years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is an excellent opportunity for long-term investors who seek capital preservation. If you are interested in applying for this month\u2019s SSB, please take note of the following application timeline:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1914 size-large\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/08\/SSB-Sep-2023-application-timeline-1024x180.png\" alt=\"SSB Sep 2023 application timeline\" width=\"750\" height=\"132\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-Sep-2023-application-timeline-1024x180.png 1024w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-Sep-2023-application-timeline-300x53.png 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-Sep-2023-application-timeline-768x135.png 768w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-Sep-2023-application-timeline.png 1206w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">You may apply via DBS, OCBC, or UOB online banking. We have written a step-by-step guide on <\/span><a href=\"https:\/\/www.wealthfor.us\/article\/how-to-buy-ssb\/\"><span style=\"font-weight: 400;\">how to buy SSB<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Should We Invest in SSB?<\/h2>\n<p><span style=\"font-weight: 400;\">SSB is a good instrument for long-term investors seeking capital preservation. Because SSB is a long-term Singapore government bond, your principal and interest payouts are guaranteed by the credit of the Singapore government. Additionally, SSB provides flexibility allowing partial or full withdrawal every month. You even earn the accrued interest up to the time of redemption.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SSB is likely still a good choice if you are looking at a fixed-income investment with such flexibility.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How Attractive Is the Current Offering?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">We can compare this SSB Sep 2023 offering with the <a href=\"https:\/\/www.wealthfor.us\/article\/ssb-interest-rate-history\/\">historical SSB interest rates<\/a>:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1915 size-full\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/08\/SSB-Sep-2023-Historical-Interest-Rates.png\" alt=\"SSB Sep 2023 Historical Interest Rates\" width=\"812\" height=\"421\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-Sep-2023-Historical-Interest-Rates.png 812w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-Sep-2023-Historical-Interest-Rates-300x156.png 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/SSB-Sep-2023-Historical-Interest-Rates-768x398.png 768w\" sizes=\"auto, (max-width: 812px) 100vw, 812px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The chart above shows that historically, the current first-year and 10-year average rates are relatively high. They are <\/span><b>one of the highest in recent years<\/b><span style=\"font-weight: 400;\">. This month\u2019s offering aligns with the rising rates trend observed in the last few offerings.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Where Are Interest Rates Heading?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The million-dollar question is whether interest rates will continue to increase in the coming months and whether we can hold off on investing this month in anticipation of higher rates next month or later this year. Well, let\u2019s look at the market expectation:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1916 size-full\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/08\/Rates-market-expectation-Aug-2023.png\" alt=\"Rates market expectation Aug 2023\" width=\"571\" height=\"288\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/Rates-market-expectation-Aug-2023.png 571w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/08\/Rates-market-expectation-Aug-2023-300x151.png 300w\" sizes=\"auto, (max-width: 571px) 100vw, 571px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The current benchmark interest rate stands at 5.25-5.50%. From the table above, we can see that the market does not expect any more rate hikes. On the flip side, the market expects rate cuts to start towards the second quarter of next year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From their <\/span><a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/fomcprojtabl20230614.htm\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">last FOMC meeting<\/span><\/a><span style=\"font-weight: 400;\">, the Fed expects only one additional rate hike this year before reversing to rate cuts next year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whichever ends up playing out, both the market and the Fed expect that we are reaching the tail-end of this rate hike cycle. If you agree with them, maybe now is a good time to start locking in higher rates for longer.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Recycle Older SSBs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">SSB had seen low demand in the last several offerings. This trend will likely continue again this month as most investors interested in SSB had optimized their allocation earlier this year when rates were also above 3%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If demand remains low, investors will have a good chance of getting their full desired allocation. Therefore, if you have older SSBs with yields much lower than 3%, this SSB Sep 2023 offering may be an excellent opportunity to recycle those older SSBs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>SSB Alternatives<\/h2>\n<h3><span style=\"font-weight: 400;\">For Short-Term Investors<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Because our <\/span><a href=\"https:\/\/www.wealthfor.us\/article\/inverted-yield-curve-what-does-it-mean-for-investors\/\"><span style=\"font-weight: 400;\">yield curve is currently inverted<\/span><\/a><span style=\"font-weight: 400;\">, the short-term interest rate is higher than the long-term interest rate. If you want to park your cash for the short term, you may consider alternatives such as T-bill or high-yield savings accounts instead of using SSB. The <\/span><a href=\"https:\/\/www.wealthfor.us\/article\/latest-t-bill-25-july-2023-bs23114a-yield-fell-to-3-85\/\"><span style=\"font-weight: 400;\">last 6-month T-bill auction yielded 3.85%<\/span><\/a><span style=\"font-weight: 400;\">. Some high-yield savings accounts offer even higher rates above 4%, though with some hoops you need to fulfill, such as salary crediting, credit card spending, etc. If you can meet those criteria, those savings accounts may be a good alternative.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, investors may also consider mixing short-term and long-term instruments to benefit from the inverted yield curve while still locking in rates for the longer term.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">For Higher Risk Alternatives<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Other higher-risk asset classes, such as stocks and REITs, may benefit when the interest rate reverses next year. <\/span><a href=\"https:\/\/www.wealthfor.us\/article\/stock-market-rebound-what-can-we-observe-and-learn\/\"><span style=\"font-weight: 400;\">The US stock market has rebounded<\/span><\/a><span style=\"font-weight: 400;\"> strongly this year and entered a bull market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are an investor comfortable with more risk, you may want to consider these options that could offer higher returns. But as always, please exercise prudence when investing.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>What Would We Do?<\/h2>\n<p><span style=\"font-weight: 400;\">Most of our SSB allocation was optimized when rates were hovering around 3% earlier this year, so we will likely only recycle a small portion of our older SSB with this SSB Sep 2023 offering. Additionally, we use T-bills and high-yield savings accounts for parking our short-term cash as they offer higher rates due to the inverted yield curve.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Follow us on Twitter to get the latest updates:<\/span><\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">The latest SSB yields 10 year avg of 3.06%.<\/p>\n<p>The first year rate is 3.01%.<\/p>\n<p>Great news for investors, we are back to the 3% level again, yay!<\/p>\n<p>If you are interested, do apply before 28 Aug 2023. <a href=\"https:\/\/t.co\/UH3A6D3N6c\">pic.twitter.com\/UH3A6D3N6c<\/a><\/p>\n<p>\u2014 wealthfor.us (@wealthfor_us) <a href=\"https:\/\/twitter.com\/wealthfor_us\/status\/1686304782988775424?ref_src=twsrc%5Etfw\">August 1, 2023<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The latest Singapore Savings Bond SSB Sep 2023 (SBSEP23 GX23090F) offering is out: The average 10-year rate is 3.06%, and the first-year rate is 3.01%. This is excellent news for investors as we return to the 3% level. Yay! This offer also provides higher first-year and average 10-year rates in line with the ongoing trend&hellip; <a class=\"more-link\" href=\"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-sep-2023-at-3-06-is-it-attractive\/\">Continue reading <span class=\"screen-reader-text\">Singapore Savings Bond SSB Sep 2023 at 3.06%: Is It Attractive?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":1917,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[102],"tags":[],"class_list":["post-1912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-singapore","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Singapore Savings Bond SSB Sep 2023 at 3.06%: Is It Attractive?<\/title>\n<meta name=\"description\" content=\"SSB Sep 2023 (SBSEP23 GX23090F) offers 3.06% average 10-year rate and 3.01% first-year rate. 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After over a decade of hands-on investing (and making countless mistakes), I'm excited to use this platform to share what I've learned over the years. And let's continue to learn together. Writing about macro economy, equities, personal finance, web3. Follow me on Twitter: @danggaku\",\"sameAs\":[\"https:\\\/\\\/x.com\\\/danggaku\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Singapore Savings Bond SSB Sep 2023 at 3.06%: Is It Attractive?","description":"SSB Sep 2023 (SBSEP23 GX23090F) offers 3.06% average 10-year rate and 3.01% first-year rate. 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