{"id":2293,"date":"2023-10-02T22:33:32","date_gmt":"2023-10-02T14:33:32","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=2293"},"modified":"2026-10-25T13:25:33","modified_gmt":"2026-10-25T05:25:33","slug":"singapore-savings-bond-ssb-nov-2023-10-year-average-of-3-32","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-nov-2023-10-year-average-of-3-32\/","title":{"rendered":"Singapore Savings Bond SSB Nov 2023: 10-Year Average of 3.32%"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">MAS has released the <\/span><a href=\"https:\/\/www.mas.gov.sg\/bonds-and-bills\/auctions-and-issuance-calendar\/issuance-singapore-savings-bond?issue_code=GX23110V&amp;issue_date=2023-11-01\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">latest offering<\/span><\/a><span style=\"font-weight: 400;\"> for Singapore Savings Bond SSB Nov 2023 (SBNOV23 GX23110V): <\/span><b>10-year average return of 3.32%<\/b><span style=\"font-weight: 400;\"> and <\/span><b>first-year return of 3.21%<\/b><span style=\"font-weight: 400;\">. These rates are a significant step up from the previous offering of &#8216;only&#8217; 3.16% for the 10-year average rate. With the interest rates comfortably above 3%, is this the time to consider SSB again for our income portfolio?<\/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;\">This SSB Nov 2023 has one of the highest rates in recent times. The 10-year average is 3.32%, and the first-year rate is 3.21%. We think this is quite an attractive offering for income-seeking investors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The market projects the interest rates to have already peaked and may start reversing down toward the latter half of next year. This month could be our chance to lock in the higher rates for the next ten years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For existing SSB holders, you may also recycle your older SSBs if they yield much lower than this month&#8217;s rates. The amount offered for this month is higher at $1 billion, so hopefully, this can lower the chance of oversubscription.<\/span><\/li>\n<\/ul>\n\n<h2>SSB Nov 2023 Details<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-2294 aligncenter\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/10\/SSB-NOV-2023-1024x1024.jpg\" alt=\"SSB NOV 2023\" width=\"750\" height=\"750\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-NOV-2023-1024x1024.jpg 1024w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-NOV-2023-300x300.jpg 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-NOV-2023-150x150.jpg 150w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-NOV-2023-768x768.jpg 768w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-NOV-2023.jpg 1080w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">In our opinion, this month&#8217;s offering is quite attractive! With the 10-year average rates at 3.32% and the first-year rate at 3.21%, this SSB Nov 2023 offering is among the highest in recent times. We have seen the trend of rising interest rates in the past few months, and it is no surprise that this month&#8217;s offering offers such a high interest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For income-seeking investors, you may consider this month&#8217;s SSB to lock in the higher interest rates for the next ten years. The application timeline is as follows:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-2295 aligncenter\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/10\/SSB-Nov-2023-application-timeline-1024x201.png\" alt=\"SSB Nov 2023 application timeline\" width=\"750\" height=\"147\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-Nov-2023-application-timeline-1024x201.png 1024w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-Nov-2023-application-timeline-300x59.png 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-Nov-2023-application-timeline-768x151.png 768w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-Nov-2023-application-timeline.png 1233w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">If you want to apply for this upcoming SSB, please do so before 26 Oct 2023. You may use any local bank&#8217;s online banking platform to submit your application. You may follow our 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>Is SSB Offering Competitive?<\/h2>\n<p><span style=\"font-weight: 400;\">This offering is quite competitive because the rates are among the highest in recent years. Let&#8217;s look at the data to confirm this assessment.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Where Do the Current Rates Stand Historically?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">We have compiled <\/span><a href=\"\/ssb-interest-rate-history\/\"><span style=\"font-weight: 400;\">historical SSB interest rates<\/span><\/a><span style=\"font-weight: 400;\"> and summarized them in the graph below:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2296\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/10\/SSB-Interest-Rates-History-Nov-2023.png\" alt=\"SSB Interest Rates History - Nov 2023\" width=\"876\" height=\"420\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-Interest-Rates-History-Nov-2023.png 876w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-Interest-Rates-History-Nov-2023-300x144.png 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/SSB-Interest-Rates-History-Nov-2023-768x368.png 768w\" sizes=\"auto, (max-width: 876px) 100vw, 876px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The chart shows that this SSB Nov 2023 offers one of the highest rates for both the 10-year average and the first-year rates. Current rates are much higher than those offered two years ago. Based on the recent historical data, we can safely conclude that this month&#8217;s rates are competitive.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What About Future Rates?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">But what if interest rates keep climbing? Even if we are already at a relatively high level, that doesn&#8217;t mean interest rates won&#8217;t keep rising, right? Yes, possibly, but nobody knows with certainty, not even the Fed. Alternatively, we can look at what the market expects for future interest rate movements to get a general idea of which way rates are headed:<\/span><\/p>\n<figure id=\"attachment_2297\" aria-describedby=\"caption-attachment-2297\" style=\"width: 481px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2297 size-full\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/10\/Market-interest-rate-expectation-Nov-2023.png\" alt=\"Market interest rate expectation - Nov 2023\" width=\"481\" height=\"267\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/Market-interest-rate-expectation-Nov-2023.png 481w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/10\/Market-interest-rate-expectation-Nov-2023-300x167.png 300w\" sizes=\"auto, (max-width: 481px) 100vw, 481px\" \/><figcaption id=\"caption-attachment-2297\" class=\"wp-caption-text\">Source: <a href=\"https:\/\/www.cmegroup.com\/markets\/interest-rates\/cme-fedwatch-tool.html\" target=\"_blank\" rel=\"noopener\">CME Group<\/a><\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">The market expects interest rates to peak before reversing toward the latter half of next year. The good news is that the 2024 end-of-year rate is still projected to hover around 50-75bps lower than the current level. It&#8217;s lower, but not by much.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Fed also <a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/fomcprojtabl20230920.htm\" target=\"_blank\" rel=\"noopener\">projects<\/a> just one more rate hike before reversing towards the latter half of next year. The Fed also expects rates to stay elevated longer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The market and the Fed agree that interest rates are nearing the end of their current upward trend and will likely begin to reverse sometime next year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What do you think? Do you agree with the market and the Fed? If yes, maybe this is an excellent time to start locking in the higher rates for the next ten years and enjoy the &#8216;almost&#8217; risk-free investment with a decent return. Even if rates keep climbing, you can always roll your SSBs into new ones.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Who Is SSB Suitable For?<\/h2>\n<p><span style=\"font-weight: 400;\">SSBs are\u00a0<a href=\"https:\/\/www.wealthfor.us\/article\/singapore-government-bonds-ssb-vs-sgs-vs-t-bills\/\" target=\"_blank\" rel=\"noopener\">Singapore government bonds<\/a> backed by the Singapore government&#8217;s credit. The Singapore government holds the highest credit ratings in the world; therefore, this investment is considered one of the lowest-risk investments in the market. With such a low-risk profile, SSB suits investors who seek capital preservation while still earning regular payouts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SSB also allows investors to withdraw at any time without penalty. You can even earn the month&#8217;s accrued interest. This added liquidity may suit investors who plan to use SSB to park short-term cash.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Recycling Older SSBs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you already have SSBs with lower rates, this Nov 2023 offering may be a chance to recycle those older SSBs. The amount offered is $1 billion, up from $800 million last month. Hopefully, with the higher offering amount, we&#8217;ll be less likely to get an oversubscription this month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That said, the higher rates could attract more investors to this month&#8217;s offering. Keep this in mind when you want to recycle your older SSBs, given the possible allocation ceiling.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>What Would We Do?<\/h2>\n<h3><span style=\"font-weight: 400;\">Taking Advantage of Yield Curve Inversion<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have been following us, you\u00a0<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">know our\u00a0<a href=\"https:\/\/www.wealthfor.us\/article\/inverted-yield-curve-what-does-it-mean-for-investors\/\" target=\"_blank\" rel=\"noopener\">yield curve is inverted<\/a>, meaning shorter-term rates are higher than <\/span>longer-term ones. For example, the latest 6-month T-bill, a short-term rate, yielded 4.07%, while this SSB offering offers only 3.32% for the average 10-year rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We want to take advantage of this inverted yield curve by investing our short-term cash in short-term investments with a risk profile similar to SSB. We use T-bills and high-yield savings accounts for our short-term needs.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Locking In Higher Rates<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">However, with interest rates likely to start reversing next year, we\u00a0<\/span><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">also want to\u00a0<strong>lock in <\/strong><\/span><b>higher rates for the next ten years<\/b><span style=\"font-weight: 400;\">. As such, we will recycle some of our older SSBs into this month&#8217;s offering to lock in the higher rates. By mixing short- and long-term rates, we can benefit from higher short-term rates while locking in long-term rates today, while they are still relatively high.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Follow us to stay updated with the latest insights:<\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">The latest SSB yields 10-yr avg of 3.32%. Wow!<\/p>\n<p>The first year rate is 3.21%.<\/p>\n<p>The amount offered is higher at $1 billion. This can be your opportunity for recycling older SSBs (if you have any).<\/p>\n<p>If you are interested, do apply before 26 Oct 2023. <a href=\"https:\/\/t.co\/6fLscTnhyW\">pic.twitter.com\/6fLscTnhyW<\/a><\/p>\n<p>\u2014 wealthfor.us (@wealthfor_us) <a href=\"https:\/\/twitter.com\/wealthfor_us\/status\/1708799472548073659?ref_src=twsrc%5Etfw\">October 2, 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>MAS has released the latest offering for Singapore Savings Bond SSB Nov 2023 (SBNOV23 GX23110V): 10-year average return of 3.32% and first-year return of 3.21%. These rates are a significant step up from the previous offering of &#8216;only&#8217; 3.16% for the 10-year average rate. With the interest rates comfortably above 3%, is this the time&hellip; <a class=\"more-link\" href=\"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-nov-2023-10-year-average-of-3-32\/\">Continue reading <span class=\"screen-reader-text\">Singapore Savings Bond SSB Nov 2023: 10-Year Average of 3.32%<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":2298,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101,102],"tags":[],"class_list":["post-2293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-income","category-singapore","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Singapore Savings Bond SSB Nov 2023: 10-Year Average of 3.32% - WealthFor.Us<\/title>\n<meta name=\"description\" content=\"SSB Nov 2023 interest rates are one of the highest in recent times. 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