{"id":2449,"date":"2023-11-24T01:30:24","date_gmt":"2023-11-23T17:30:24","guid":{"rendered":"https:\/\/www.wealthfor.us\/article\/?p=2449"},"modified":"2026-10-23T15:31:36","modified_gmt":"2026-10-23T07:31:36","slug":"6-month-t-bill-28-nov-2023-bs23123z-yield-climbed-to-3-8","status":"publish","type":"post","link":"https:\/\/www.wealthfor.us\/article\/6-month-t-bill-28-nov-2023-bs23123z-yield-climbed-to-3-8\/","title":{"rendered":"6-Month T-Bill 28 Nov 2023 (BS23123Z) Yield Climbed to 3.8%"},"content":{"rendered":"

The result of the latest T-bill 28 Nov 2023 (BS23123Z) auction<\/a> is out. The yield climbed to 3.8%.<\/span><\/p>\n

Given the recent trend of lower US interest rates, we were concerned that this auction would result in a lower yield. Overall, we are satisfied with this result. Let’s look further into the auction summary.<\/span><\/p>\n

 <\/p>\n

Auction Summary<\/h2>\n

We saw a higher offering of $6 billion, a slight jump from $5.3 billion from the previous auction. Here is the detailed auction summary for this T-bill 28 Nov 2023 (BS23123Z):<\/span><\/p>\n

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

 <\/p>\n

Higher Yield Despite Declining US Interest Rates<\/h2>\n

Going into this auction, we were worried that the result would end up with a lower yield because of the trend of declining interest rates in the US. We have seen <\/span>inflation moderating in the US<\/span><\/a>, and <\/span>the Fed seems content with the current benchmark interest rate<\/span><\/a>; therefore, the market has been pricing lower interest rates for both short- and longer-term. We are also seeing a similar trend with the Singapore government bond yield, which continues to decline this month.<\/span><\/p>\n

\"Singapore
Singapore government’s 10-year bond yield has declined this month. Source: TradingEconomics<\/a><\/figcaption><\/figure>\n

However, with this auction still yielding 3.8%, we are satisfied with this result. The latest cut-off yield is consistent with the stability of T-bill yields seen this year, ranging between 3.65% and 4.2%.<\/span><\/p>\n

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

 <\/p>\n

Lower Demand and Full Allocation for Non-Competitive Bidders<\/h2>\n

This auction for T-bill 28 Nov 2023 (BS23123Z) saw a decline in demand. The total amount applied was $13 billion, a slight drop from $13.2 billion in the previous auction. The good news in this auction is that all non-competitive bidders got their full allocation. Yay! However, with the total non-competitive bid amount being dangerously close to the limit, we will continue to submit competitive bids going forward to ensure we can get our desired allocation.<\/span><\/p>\n

Did you get your allocation in this auction?<\/span><\/p>\n

 <\/p>\n

T-Bill Alternatives<\/h2>\n

Fixed Deposits<\/h3>\n

Fixed deposits are the most common T-bill alternative because retail investors can access them easily. How do fixed deposits compare to T-bills? Singapore’s current highest <\/span>fixed deposit rate <\/span><\/a>is only 3.6%, which is pretty underwhelming. Our three major local banks (DBS, OCBC, UOB) offer even lower rates; therefore, fixed deposits in Singapore are not competitive today.<\/span><\/p>\n

Institutional Fixed Deposits & Cash Management Accounts<\/h3>\n

Another alternative retail investors may consider is the institutional fixed deposits offered by robo-advisory platforms, such as Syfe and StashAway. Syfe, with its Cash+ Guaranteed, currently offers up to a 3.8% guaranteed interest rate. StashAway Simple Guaranteed also offers up to 3.8% guaranteed. If you have access to these platforms, they can be a viable alternative to T-bills as their rates are currently quite competitive. Please note that you do not get SDIC insurance when investing through these platforms. You may also look at other <\/span>cash management solutions<\/span><\/a> provided by these platforms, which may not guarantee your principal but may offer higher rates.<\/span><\/p>\n

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

High-yield savings accounts can also be a viable alternative for those who meet the criteria, such as having a salary deposited, using a credit card, or buying investments. Those who cannot meet their criteria must note that the effective interest rate may be much lower than advertised.<\/span><\/p>\n

 <\/p>\n

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

We are satisfied with the result of this T-bill auction on 23 Nov 2023 (BS23123Z). The 3.8% yield is competitive with the alternatives we covered above. We will likely continue to use T-bills to park our short-term cash needs.<\/span><\/p>\n

Additionally, since we think we may be nearing the end of this rate hike cycle, we would like to lock in these higher interest rates for a bit longer. Therefore, we also use the Singapore Savings Bond (SSB) to park our short-term cash because it allows partial monthly withdrawals without penalty (and you still earn accrued interest).<\/span><\/p>\n

What do you think? Will you be applying for the next auction? If you plan to use CPF, you may use our <\/span>CPF T-bill calculator<\/span><\/a> to estimate how much more interest you may earn by investing in T-bills.<\/span><\/p>\n

We have also 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 result of the latest T-bill 28 Nov 2023 (BS23123Z) auction is out. The yield climbed to 3.8%. Given the recent trend of lower US interest rates, we were concerned that this auction would result in a lower yield. Overall, we are satisfied with this result. Let’s look further into the auction summary.   Auction… Continue reading 6-Month T-Bill 28 Nov 2023 (BS23123Z) Yield Climbed to 3.8%<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":2453,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101,102],"tags":[],"class_list":["post-2449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-income","category-singapore","entry"],"yoast_head":"\n6-Month T-Bill 28 Nov 2023 (BS23123Z) Yield Climbed to 3.8% - WealthFor.Us<\/title>\n<meta name=\"description\" content=\"The latest T-bill auction on 23 Nov 2023 (BS23123Z) resulted in a cut-off yield of 3.8%. 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