{"id":2428,"date":"2023-11-09T14:00:26","date_gmt":"2023-11-09T06:00:26","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=2428"},"modified":"2026-10-23T16:41:34","modified_gmt":"2026-10-23T08:41:34","slug":"t-bill-14-nov-2023-bs23122f-auction-result-yield-dropped-to-3-75","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/t-bill-14-nov-2023-bs23122f-auction-result-yield-dropped-to-3-75\/","title":{"rendered":"T-Bill 14 Nov 2023 (BS23122F) Auction Result: Yield Dropped to 3.75%"},"content":{"rendered":"

MAS has announced the <\/span>auction result<\/span><\/a> for T-bill 14 Nov 2023 (BS23122F), and the final cut-off yield was 3.75%. It is a significant drop from the 3.95% yield in the previous auction. This is slightly disappointing for investors as we have seen a trend of climbing yields in recent auctions.<\/span><\/p>\n

 <\/p>\n

Auction Result<\/h2>\n

Let us look into the auction summary and see what we can observe.<\/span><\/p>\n

Allotment<\/span><\/h3>\n\n\n\n\n\n\n\n\n
Total Amount Allotted<\/span><\/td>\nS$5.7 billion<\/span><\/td>\n<\/tr>\n
Amount Allotted to Non-Competitive Applications<\/span><\/td>\nS$2.3 billion<\/span><\/td>\n<\/tr>\n
Total Amount Applied<\/span><\/td>\nS$13.2 billion<\/span><\/td>\n<\/tr>\n
% of Competitive Applications at Cut-off Allotted<\/span><\/td>\nApproximately 98%<\/span><\/td>\n<\/tr>\n
% of Non-Competitive Applications Allotted<\/span><\/td>\nApproximately 95%<\/span><\/td>\n<\/tr>\n
Bid-to-Cover Ratio<\/span><\/td>\n2.31<\/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>\n3.75% p.a.<\/span><\/td>\n<\/tr>\n
Cut-off Price<\/span><\/td>\n98.13<\/span><\/td>\n<\/tr>\n
Median Yield<\/span><\/td>\n3.65% p.a.<\/span><\/td>\n<\/tr>\n
Median Price<\/span><\/td>\n98.18<\/span><\/td>\n<\/tr>\n
Average Yield<\/span><\/td>\n2.71% p.a.<\/span><\/td>\n<\/tr>\n
Average Price<\/span><\/td>\n98.649<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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

 <\/p>\n

Yield Dropped to 3.75%<\/h2>\n

The cut-off yield for the T-bill 14 Nov 2023 (BS23122F) auction fell to 3.75%. This is the level we have seen most of this year. Despite a somewhat disappointing yield result, we have to be fair that the current level is still among the highest in recent years.<\/span><\/p>\n

\"T-Bill
Singapore T-Bill Interest Rates History<\/a><\/figcaption><\/figure>\n

The historical chart above shows that yields have ranged around this level since the beginning of this year. At 3.75%, we can conservatively say the yield is pretty attractive, as it remains among the highest in recent years. For reference, the yield was still below 1% back in 2022.<\/span><\/p>\n

 <\/p>\n

Demand Spiked<\/h2>\n

One factor that could contribute to the lower yield is the jump in demand. Total applications jumped to $13.2 billion, up from $11.5 billion, almost a 15% increase. We also saw a jump in non-competitive bid amounts, indicating higher demand from retail investors. The bad news is that non-competitive bids exceeded the 40% maximum threshold, so these bidders received only 95% of their allocation.<\/span><\/p>\n

With such high demand, we may need to continue submitting competitive bids to ensure we can receive our full allocation.<\/span><\/p>\n

 <\/p>\n

T-Bill Alternatives<\/h2>\n

Despite the drop, the current yield remains competitive with similar short-term fixed-income investments. Let\u2019s look at some of the popular alternatives.<\/span><\/p>\n

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

Fixed deposits in Singapore<\/span><\/a> have offered relatively low interest rates this year. As of this writing, the highest fixed deposit rate is only 3.6%, while most offer a low 3%. At such low rates, T-bills are more attractive than fixed deposits.<\/span><\/p>\n

Syfe Cash+ Guaranteed<\/span><\/h3>\n

This is a unique offering from Syfe for its <\/span>cash management account<\/span><\/a>. Syfe recently bumped its Cash+ Guaranteed offering to a guaranteed rate of 3.8% for three months. This is now higher than the latest T-bill rate of 3.75%. The downside of Syfe Cash+ Guaranteed is that it isn’t SDIC-insured because cash management accounts are considered investment instruments. Additionally, the lock-in period is only for three months. If the interest rate declines, you may be exposed to reinvestment risk after three months.<\/span><\/p>\n

High Yield Savings Account<\/span><\/h3>\n

High-yield savings accounts offer competitive rates if you can fulfill their requirements, such as crediting salary, spending on credit cards, buying insurance, etc. Most people can meet only a few, so the effective interest rate is much lower than advertised. Calculating how much you can realistically get from these accounts is a good start.<\/span><\/p>\n

You also need to know these accounts offer floating interest rates, meaning they follow prevailing market rates without any lock-in period. For example, if interest rates drop significantly next month, these accounts will likely follow suit soon.<\/span><\/p>\n

 <\/p>\n

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

We have been using T-bills to park our short-term cash, and we believe the current 3.75% yield is still relatively attractive. Because of the high demand from non-competitive bidders in recent auctions, we have been using competitive bids when applying for T-bills. We will continue to use competitive bids to ensure we receive our full allocation.<\/span><\/p>\n

Did you receive your allocation in the T-bill auction on 14 Nov 2023 (BS23122F)?<\/span><\/p>\n

Would you like to apply for the next T-bill? If you intend to use CPF, you may use our <\/span>CPF T-bill calculator<\/span><\/a> to estimate the additional interest you may earn by investing in T-bills.<\/span><\/p>\n

We have also written a comprehensive guide to\u00a0Singapore T-bills<\/a>\u00a0and\u00a0how to buy them<\/a>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

MAS has announced the auction result for T-bill 14 Nov 2023 (BS23122F), and the final cut-off yield was 3.75%. It is a significant drop from the 3.95% yield in the previous auction. This is slightly disappointing for investors as we have seen a trend of climbing yields in recent auctions.   Auction Result Let us… Continue reading T-Bill 14 Nov 2023 (BS23122F) Auction Result: Yield Dropped to 3.75%<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":2431,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101,102],"tags":[],"class_list":["post-2428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-income","category-singapore","entry"],"yoast_head":"\nT-Bill 14 Nov 2023 (BS23122F) Result: Yield Dropped to 3.75%<\/title>\n<meta name=\"description\" content=\"The T-bill auction on 14 Nov 2023 (BS23122F) resulted in a yield of 3.75%. 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