{"id":2330,"date":"2023-10-13T00:07:42","date_gmt":"2023-10-12T16:07:42","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=2330"},"modified":"2023-10-13T00:08:49","modified_gmt":"2023-10-12T16:08:49","slug":"t-bill-17-oct-2023-bs23120a-yield-at-3-87-highest-demand","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/t-bill-17-oct-2023-bs23120a-yield-at-3-87-highest-demand\/","title":{"rendered":"T-Bill 17 Oct 2023 (BS23120A) Yield at 3.87%: Highest Demand"},"content":{"rendered":"

The T-Bill 17 Oct 2023 (BS23120A) <\/span>auction<\/span><\/a> has concluded with a cut-off yield of 3.87%. It is a significant drop from the previous auction, which yielded 4.07%. Despite the decline, the yield is still competitive compared to recent auctions. What caused this drop? Let\u2019s see the auction summary.<\/span><\/p>\n\n

Auction Result<\/h2>\n

Allotment<\/span><\/h3>\n\n\n\n\n\n\n\n\n
Total Amount Allotted<\/span><\/td>\nS$5.4 billion<\/span><\/td>\n<\/tr>\n
Amount Allotted to Non-Competitive Applications<\/span><\/td>\nS$2.2 billion<\/span><\/td>\n<\/tr>\n
Total Amount Applied<\/span><\/td>\nS$14.7 billion<\/span><\/td>\n<\/tr>\n
% of Competitive Applications at Cut-off Allotted<\/span><\/td>\nApproximately 68%<\/span><\/td>\n<\/tr>\n
% of Non-Competitive Applications Allotted<\/span><\/td>\nApproximately 79%<\/span><\/td>\n<\/tr>\n
Bid-to-Cover Ratio<\/span><\/td>\n2.73<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Yield and Price<\/span><\/h3>\n\n\n\n\n\n\n\n\n
Cut-off Yield<\/span><\/td>\n3.87% p.a.<\/span><\/td>\n<\/tr>\n
Cut-off Price<\/span><\/td>\n98.07<\/span><\/td>\n<\/tr>\n
Median Yield<\/span><\/td>\n3.66% p.a.<\/span><\/td>\n<\/tr>\n
Median Price<\/span><\/td>\n98.175<\/span><\/td>\n<\/tr>\n
Average Yield<\/span><\/td>\n3.37% p.a.<\/span><\/td>\n<\/tr>\n
Average Price<\/span><\/td>\n98.32<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Source: <\/span><\/i>MAS<\/span><\/i><\/a><\/p>\n

 <\/p>\n

Yield Dropped<\/h2>\n

So this T-Bill 17 Oct 2023 (BS23120A) ended up with a much lower yield of 3.87%, a drop from 4.07% in the previous auction. This result may disappoint some investors seeking a yield north of 4%. But to put things into perspective, this yield is still among the highest in recent times. Here we compile the T-bill yield historical chart:<\/span><\/p>\n

\"T-Bill
Source: Singapore T-bill interest rates<\/a><\/figcaption><\/figure>\n

The historical chart above shows that the T-bill yields have been hovering around the current level since the beginning of this year. In our opinion, 3.87% is still pretty attractive. We can monitor the movement of this yield in the coming auctions to see the trend.<\/span><\/p>\n

 <\/p>\n

Highest Demand This Year<\/h2>\n

This auction comes with a small surprise: The demand skyrocketed to the highest level we have not seen for a while. The total amount applied hit $14.7 billion, wow! As a perspective, the total application amount in the previous auction was only $9.3 billion.<\/span><\/p>\n

\"T-Bill<\/p>\n

The higher demand is not a surprise because of the high yield from the previous auction. With T-bill alternatives, such as fixed deposits, only yielding low to mid 3%, there is little incentive to park your money in fixed deposits when T-bills yield 4%. This high demand contributes to the lower cut-off yield in this T-Bill 17 Oct 2023 (BS23120A) auction.<\/span><\/p>\n

We will monitor this demand in the coming auctions to see if it reverses again as the yield drops in this auction.<\/span><\/p>\n

 <\/p>\n

Non-Competitive Bid Allocation Cap Hit<\/h2>\n

As mentioned in our <\/span>previous auction<\/span><\/a> coverage, we were slightly uncomfortable with the rising non-competitive bid amount and would prefer to apply via competitive bids in this auction. Our concern became a reality, and the non-competitive bids allocation cap was hit in this auction. Only 79% of non-competitive applicants were allocated. The non-competitive bids amounted to around $2.8 billion, while the maximum allocation was only $2.2 billion.<\/span><\/p>\n

We will likely continue placing competitive bids in the next auction to maximize allocation chance. We will monitor the situation to see if the trend reverses so we can resume using non-competitive bids.<\/span><\/p>\n

 <\/p>\n

T-Bill Alternatives<\/h2>\n

What are some T-bill alternatives we can consider?<\/span><\/p>\n

Fixed Deposits<\/span><\/h3>\n

The most popular fixed-income investment for retail investors is fixed deposit. How do fixed deposit rates compare to T-bill interest rates? In short, <\/span>fixed deposit rates<\/span><\/a> are currently not competitive. Even after the recent bump, the highest rate is only 3.6%, while Singapore local banks offer even lower than 3%. For now, it seems we can skip fixed deposits and consider other alternatives.<\/span><\/p>\n

High-Yield Savings Accounts<\/span><\/h3>\n

With high-yield savings accounts, the effective interest rate is usually much lower than advertised because most of us cannot fulfill the requirement for bonus interest rates. However, if you can meet those criteria, such as crediting salary, spending credit card, buying insurance, etc, high-yield savings accounts can offer very competitive interest rates.<\/span><\/p>\n

However, please note that, unlike T-bills, the interest rate here is floating, meaning it will follow the prevailing market rates without any locking period. Should the market interest rates drop, the rates offered by these high-yield savings accounts will likely follow suit soon. On the other hand, you can get the benefit of liquidity because your money is not locked. Therefore, this savings account is more suitable for your emergency funds.<\/span><\/p>\n

Cash Management Accounts<\/span><\/h3>\n

Cash management accounts have a different risk profile than T-bills because your principal is not guaranteed. Although the risk is minimal, principal loss is still possible. If you are comfortable with this slightly higher risk, cash management accounts can offer competitive interest rates above 4%. You may check the latest offering of <\/span>cash management accounts<\/span><\/a> to get the most competitive rates available in the market.<\/span><\/p>\n

Unless explicitly stated, the interest rate here is also floating. Should the prevailing market interest rates reverse, these cash management account rates likely drop quickly.<\/span><\/p>\n

 <\/p>\n

What Would We Do?<\/h2>\n

We have used T-bills and high-yield savings accounts to park our short-term cash. We still think the current T-bill yield of 3.87% is pretty competitive and are still interested in utilizing T-bills, at least for now. However, with the high demand in this auction, we would likely stick with competitive bids in the upcoming auction to ensure full allocation.<\/span><\/p>\n

Did you manage to get an allocation in this T-bill auction?<\/span><\/p>\n

Do you want to apply for the next T-bill auction? If you plan to use CPF, you can use our <\/span>CPF T-bill calculator<\/span><\/a> to estimate how much more interest you can earn by investing in T-bills.<\/span><\/p>\n

In addition, we have written a comprehensive guide about <\/span>Singapore T-bills<\/span><\/a> and <\/span>how to buy T-bills<\/span><\/a>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The T-Bill 17 Oct 2023 (BS23120A) auction has concluded with a cut-off yield of 3.87%. It is a significant drop from the previous auction, which yielded 4.07%. Despite the decline, the yield is still competitive compared to recent auctions. What caused this drop? Let\u2019s see the auction summary. Auction Result Allotment Total Amount Allotted S$5.4… Continue reading T-Bill 17 Oct 2023 (BS23120A) Yield at 3.87%: Highest Demand<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":2333,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101,102],"tags":[],"class_list":["post-2330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-income","category-singapore","entry"],"yoast_head":"\nT-Bill 17 Oct 2023 (BS23120A) Yield at 3.87%: Highest Demand - WealthFor.Us<\/title>\n<meta name=\"description\" content=\"T-Bill 17 Oct 2023 (BS23120A) auction saw the highest demand with the cut-off yield of 3.87%. 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