{"id":2406,"date":"2023-11-01T23:24:06","date_gmt":"2023-11-01T15:24:06","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=2406"},"modified":"2023-11-28T13:49:10","modified_gmt":"2023-11-28T05:49:10","slug":"singapore-savings-bond-ssb-dec-2023-10-year-average-of-3-40-wow","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-dec-2023-10-year-average-of-3-40-wow\/","title":{"rendered":"Singapore Savings Bond SSB Dec 2023: 10-Year Average of 3.40%. Wow!"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Christmas present comes early: MAS has <\/span><a href=\"https:\/\/www.mas.gov.sg\/bonds-and-bills\/auctions-and-issuance-calendar\/issuance-singapore-savings-bond?issue_code=GX23120Z&amp;issue_date=2023-12-01\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">released<\/span><\/a><span style=\"font-weight: 400;\"> the latest Singapore Savings Bond SSB Dec 2023. The interest rates are <\/span><b>3.40% for the 10-year average<\/b><span style=\"font-weight: 400;\"> and <\/span><b>3.30% for the first year<\/b><span style=\"font-weight: 400;\">. Woah, this is excellent news for Singaporean savers. We are back to the level seen in December 2022. Should we consider adding SSB to our 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;\">SSB Dec 2023 offers a 10-year average yield of 3.40% and a first-year yield of 3.30%. This is the highest level we have seen this year and one of the highest in recent years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">With the interest rate expected to peak soon, this month is your chance to lock in the high rate for the next ten years! You can also use this opportunity to recycle older SSBs that yield much lower than the current offering.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>SSB Dec 2023 Offering<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2407\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/11\/SSB-DEC-2023.png\" alt=\"SSB DEC 2023\" width=\"1080\" height=\"1080\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-DEC-2023.png 1080w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-DEC-2023-300x300.png 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-DEC-2023-1024x1024.png 1024w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-DEC-2023-150x150.png 150w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-DEC-2023-768x768.png 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">We like this SSB Dec 2023 offering as the rates are attractive for both the first year and the 10-year average. This is a decent step up from <\/span><a href=\"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-nov-2023-10-year-average-of-3-32\/\"><span style=\"font-weight: 400;\">last month&#8217;s offering<\/span><\/a><span style=\"font-weight: 400;\"> of &#8216;only&#8217; 3.32%. At a 10-year average of 3.40%, we are hovering at the upper range of the levels we have seen since late last year. <\/span><b>In fact, this is one of the highest levels in recent years<\/b><span style=\"font-weight: 400;\">. We have seen the global interest rates continue to climb recently, and the higher rates in this latest offering are not surprising.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are interested in this SSB offering, please apply before 27 November 2023. Do take note of the following application timeline:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2408\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/11\/SSB-Dec-2023-application-timeline.png\" alt=\"SSB Dec 2023 application timeline\" width=\"1199\" height=\"238\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-application-timeline.png 1199w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-application-timeline-300x60.png 300w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-application-timeline-1024x203.png 1024w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-application-timeline-768x152.png 768w\" sizes=\"auto, (max-width: 1199px) 100vw, 1199px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">You may submit your application using any local bank&#8217;s online banking platform and 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>How Competitive Is This SSB Dec 2023?<\/h2>\n<p><span style=\"font-weight: 400;\">As mentioned above, the current rate is attractive because it is one of the highest in recent years. Let&#8217;s examine the data to confirm this assessment.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Current vs. Historical Rates<\/span><\/h3>\n<figure id=\"attachment_2409\" aria-describedby=\"caption-attachment-2409\" style=\"width: 659px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2409 size-full\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/11\/SSB-Dec-2023-Interest-Rate-History.png\" alt=\"SSB Interest Rate History - Dec 2023\" width=\"659\" height=\"438\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-Interest-Rate-History.png 659w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-Interest-Rate-History-300x199.png 300w\" sizes=\"auto, (max-width: 659px) 100vw, 659px\" \/><figcaption id=\"caption-attachment-2409\" class=\"wp-caption-text\">Source: <a href=\"https:\/\/www.wealthfor.us\/article\/ssb-interest-rate-history\/\">SSB Interest Rates History<\/a><\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">From the chart above, it&#8217;s clear that this SSB Dec 2023 is at one of the highest levels in recent years. It is just slightly lower than the level we saw in December 2022. If we look at the offering two years ago, the rates were still well below the 2% mark. So what do you think? We think the current offering is very competitive if we compare historically.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Future Interest Rate Projection<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With interest rates continuing to climb in the past six months, the upcoming offerings may offer even higher rates, right? Nobody knows for sure. Regardless, it is probably not wise to time the peak of the interest rate, as many factors beyond our control could affect it. Instead, we can look at future projections to see whether or not we are already nearing the peak.<\/span><\/p>\n<figure id=\"attachment_2410\" aria-describedby=\"caption-attachment-2410\" style=\"width: 526px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2410 size-full\" src=\"https:\/\/www.wealthfor.us\/article\/wp-content\/uploads\/2023\/11\/SSB-Dec-2023-future-interest-rate-expectations.png\" alt=\"Future interest rate expectations\" width=\"526\" height=\"267\" srcset=\"https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-future-interest-rate-expectations.png 526w, https:\/\/cdn.wealthfor.us\/uploads\/2023\/11\/SSB-Dec-2023-future-interest-rate-expectations-300x152.png 300w\" sizes=\"auto, (max-width: 526px) 100vw, 526px\" \/><figcaption id=\"caption-attachment-2410\" 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 table above lists the market expectations of where the US benchmark interest rates will be around that date. As we can see, the market expects the interest rate to have peaked at this level, and the Fed will start to pivot towards the latter half of next year. The market expects the end-of-year interest rate to be around 75bps below the current level.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the market expects the interest rate to have peaked, how about the Fed themselves? The decision on the interest rate direction will ultimately be theirs. From their <\/span><a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/fomcprojtabl20230920.htm\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">last FOMC meeting<\/span><\/a><span style=\"font-weight: 400;\">, they expect one additional rate hike before pivoting back down towards the latter half of next year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Both the market and the Fed agree on where the interest rate is heading going forward. Do you agree with their assessment? If so, this month&#8217;s SSB Dec 2023 offering can be your opportunity to lock in the higher rates for the next ten years!<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Who Is SSB For?<\/h2>\n<p><span style=\"font-weight: 400;\">We think SSB&#8217;s appeal is its flexibility. SSB is a long-term 10-year government bond, but it allows us to redeem at any month (partially or in full) without penalty and even earn the accrued interest. Because this is a Singapore government bond, your principal and interest are guaranteed by the credit of the Singapore government. Therefore, SSB has one of the lowest risk profiles among all instruments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SSB typically suits investors with the lowest risk profile who seek capital preservation. If you are one of those with the lowest risk profile who value liquidity, you may consider investing in SSB.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SSB is also suitable for parking short-term cash that is not urgent in nature. Note that there is a redemption lead time of up to one month. So, please do not put your emergency cash into SSB. As the name implies, emergency cash should be accessible 24\/7.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>What Would We Do?<\/h2>\n<p><span style=\"font-weight: 400;\">We love this month&#8217;s SSB Dec 2023 offering. The interest rates for both the first year and the 10-year average are very attractive as they are hovering at the highest levels in recent years.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Recycling Older SSBs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">We have already reached our desired SSB allocations, but because this month&#8217;s offering is quite attractive, we want to recycle some of our older SSBs with lower yields into this month&#8217;s offering. This month&#8217;s offering of $1 billion is relatively higher than <\/span><span style=\"font-weight: 400;\">previous offerings, making it a decent opportunity to recycle previous SSBs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, note that due to high demand, last month&#8217;s offering had a quantity ceiling of $47,500. With this SSB Dec 2023 offering also being very competitive, we expect the demand to stay high. As such, we may need to be conservative with our application to account for the possible quantity ceiling.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Inverted Yield Curve and Locking In Higher Rates<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">We want to highlight that the current yield curve is inverted, meaning that shorter-term interest rates are higher than longer-term rates. For example, the interest rate on short-term government bonds, such as 6-month T-bills, is much higher, with the <\/span><a href=\"https:\/\/www.wealthfor.us\/article\/latest-t-bill-31-oct-2023-bs23121e-yield-rebounded-to-3-95\/\"><span style=\"font-weight: 400;\">last auction yielding 3.95%<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because we primarily utilize SSB for our short-term cash needs, we use both T-bills and SSB to park our short-term cash. By adding T-bills into the mix, we can enjoy the higher short-term interest rate while locking the longer-term interest rate with SSB.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Christmas present comes early: MAS has released the latest Singapore Savings Bond SSB Dec 2023. The interest rates are 3.40% for the 10-year average and 3.30% for the first year. Woah, this is excellent news for Singaporean savers. We are back to the level seen in December 2022. Should we consider adding SSB to our&hellip; <a class=\"more-link\" href=\"https:\/\/www.wealthfor.us\/article\/singapore-savings-bond-ssb-dec-2023-10-year-average-of-3-40-wow\/\">Continue reading <span class=\"screen-reader-text\">Singapore Savings Bond SSB Dec 2023: 10-Year Average of 3.40%. Wow!<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":2411,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101,102],"tags":[],"class_list":["post-2406","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 v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Singapore Savings Bond SSB Dec 2023: 10-Year Average of 3.40%<\/title>\n<meta name=\"description\" content=\"The offering for SSB Dec 2023 is very competitive with the 10-year average yield of 3.40%. 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