Singapore Savings Bonds (SSB): Complete Guide To Rates, Application & Strategy (2026) – Beragampengetahuan

Singapore Savings Bonds (SSB) pop up everywhere in personal finance discussions, but information is scattered across government websites, forums, social media and blog posts. This guide covers everything you need to know about SSB in one place – from basics to advanced strategies.

Quick Reference

What are Singapore Savings Bonds?

Singapore Savings Bonds are government-backed savings instruments that let you lock in step-up interest rates for up to 10 years with complete flexibility to redeem anytime.

Key Features

• Safety: Backed by Singapore Government, no capital loss
• Flexibility: Redeem anytime with no penalty, get your money back within a month
• Step-up returns: Interest increases the longer you hold (up to 10 years)
• Low barrier: Start from $500, max $200,000 per person
• Monthly issues: New SSB issued every month with different rates

Quick Comparison

Feature	SSB	Bank Account	Cash Mgmt Funds
Returns / Yield	Locked for 10 years	Variable	Variable
Liquidity	~1 month redemption	Immediate	Usually Within T+3
Safety	Government-backed	SDIC-protected $100k	Low credit risk
Minimum	$500	$1	$1
Maximum	$200k	No limit	No limit
Fees	$2 apply + $2 redeem	No fees	Varies by platform
Application	Monthly cycle	Anytime	Anytime

Product Basics

Singapore Savings Bonds are a special type of Singapore Government Securities designed specifically for individual investors.

Issued by the Monetary Authority of Singapore (MAS), SSB were introduced to provide a long-term saving option that offers safe returns for everyday Singaporeans.

Three Core Features

1. Safe – Savings Bonds are backed by the Singapore Government. You can always redeem your bonds in exchange for the amount invested with no capital losses. Unlike bank deposits protected by SDIC up to $100,000, SSB has full government backing.
2. Long-term – You can invest for up to 10 years and earn interest that increases over time. The longer you hold your bond, the higher your return.
3. Flexible – You don’t have to decide at the start how long you want to hold your Savings Bonds. You can get your funds back within a month with no penalty.

How Much SSB Exist?

As of the start of 2022, about 120,000 individuals hold more than $5.7 billion worth of SSB. That’s an average holding of $47,500 per person. More recently, MAS noted (Dec 2025) that median holdings are around $30,000. MAS has announced that new SSBs will continue to be issued every month up till at least 2030.

Is SSB Safe?

SSB are backed by the Singapore government. Both principal and interest payments are guaranteed. The borrowing proceeds from the issuance of these securities cannot be spent and are invested.

Singapore operates on a balanced budget policy and is one of the few countries in the world with a net asset position. Our financial assets are well in excess of our liabilities.

Full History Of SSB Returns

The table below shows the complete history of Singapore Savings Bonds from October 2015 to the present, including current issue rates.

• Updated — 24 Dec 2025
• Subscr — Subscription Rate
• Outstd — Outstanding Amount
• Star — SSBs I Hold

Understanding the Data

• First Year Interest: What you earn if you hold for just 1 year
• Average 10 Years Returns: Your effective annual return if held to maturity
• Subscription Rate: Percentage oversubscribed or undersubscribed
• Quantity Ceiling: Maximum allocation per person when oversubscribed
• Outstanding SSB: Percentage still held by investors (higher = more retention)

Rate Trends Over Time

SSB 10-year average return rates have fluctuated significantly since inception.

• Lowest: 0.80% in July 2020 (Covid pandemic)
• Highest: 3.47% in December 2022 (Fed hiking rates to combat inflation)

How SSB Yield Is Determined

Singapore Savings Bonds offer a return that corresponds with how long you hold them.

The Golden Rule

If you hold your SSB for the full ten years, your return will match the average 10-year Singapore Government Securities (SGS) yield the month before you bought the bond.

This isn’t a rough estimate. It’s built into how SSB rates are calculated. There are two exceptions to this, and you can read about it below.

Step-Up Rate Structure

By design, you receive less interest at the start, but the amount “steps up” or increases over time. The longer you hold your Singapore Savings Bonds, the higher your effective return is.

For example, the January 2026 SSB issue offered:

• Year 1: 1.33%
• Year 2: 1.33%
• Year 5: 2.10%
• Year 10: 2.67%
• Average return if held 10 years: 1.99%

The Math Behind SSB

(You can skip this section unless you’re curious about how MAS computes the coupon rates)

If you’re into the technical details, the official MAS documentation provides the formula for how the coupon rate for each year is determined.

However, there’s an important caveat.

Why MAS May Adjust Rates

Coupon rates for each issuance of Savings Bonds are determined such that the average annual compounded return over an investor’s investment period (e.g. 5 years) is usually linked to the yield of an SGS of a corresponding tenor (e.g. 5 year SGS bond yield).

The first exception is when the shape of the SGS yield curve does not allow the interest rates to step-up naturally. Interest rates may then be adjusted to maintain the “step-up” feature. This can happen during inverted yield curves.

Normally, a bond with a longer maturity pays a higher interest rate than a shorter-term bond, since longer-term debt carries greater risk.

When short-term bonds yield higher than long-term ones, that’s an inverted yield curve.

During inverted yield curves, MAS lowers the coupon rates by the minimum amount necessary to maintain a weakly monotonically increasing step-up coupon schedule.

This is why you might see short-term cash management products like Mari Invest SavePlus offering higher rates than Singapore Savings Bonds’ 1-year return. The whole intent of Singapore Savings Bonds is to encourage long-term savings.

The second exception is when very small rounding differences (up to +/-0.03%) may arise in the computation of average returns for Singapore Savings Bonds. We don’t really need to care about this.

Important: These adjustments may cause the average annual return over 1, 2, or 5 years to be less than the reference yields for those periods. However, the 10-year return will match the average 10-year SGS yield from the reference month (subject to slight differences of up to +/- 0.03% due to rounding).

Risk & Safety

Government Backing

SSB are backed by the full faith and credit of the Singapore Government. This is different from bank deposits, which are protected by SDIC up to $100,000.

With SSB, there’s no limit because you’re lending directly to the government.

No Capital Loss Guarantee

You can always redeem your bonds in exchange for the amount invested. There are no capital losses, unlike tradable bonds where prices fluctuate based on interest rate movements.

SSB are non-tradable securities, which protects individual investors from market volatility.

Safety Comparison

How does SSB compare to alternatives?

• SSB: Singapore Government backing (AAA credit rating)
• T-Bills / SGS Bonds: Singapore Government backing (same as SSB)
• Digital Bank Deposits: SDIC coverage up to $100,000 per bank
• Mari Invest SavePlus / Fullerton SGD Cash Fund: Cash management funds are low-risk but not capital-guaranteed – their NAV can fluctuate based on underlying holdings.

While all these options are low risk, cash management funds aren’t capital-guaranteed like SSB. The main differences are liquidity, returns, and whether you have deposit insurance vs government backing.

Application & Costs

Monthly Issuance

MAS issues new SSB every month. You can check the issuance calendar in advance at the MAS Singapore Savings Bonds page.

The Monthly Application Cycle

SSB operate on a predictable monthly cycle:

1. Application opens on the 1st business day at 6pm
2. Application closes on the 4th last business day at 9pm
3. Allotment results announced on the 3rd last business day at 3pm
4. Refunds processed by the 2nd last business day
5. SSB issued on the 1st of the following month

Who Can Apply

Anyone at least 18 years old can purchase Singapore Savings Bonds. This includes Singaporeans, permanent residents, and foreigners.

SSB are for individual investors only. You cannot buy them through corporate accounts.

Minimum and Maximum Investment

• Minimum: $500
• Maximum: $200,000 per person across both cash and SRS accounts combined

The $200,000 limit is the total amount of Savings Bonds you can hold at any one time across all issues.

How to Apply (Cash)

You need two things:

1. A bank account with DBS/POSB, OCBC, or UOB (plus internet banking access or ATM card)
2. An individual Central Depository (CDP) Securities account linked to your Direct Crediting
   Service (DCS) bank account. DCS allows CDP to credit your Singapore-dollar cash entitlements such as interest payments and redemption proceeds into your designated bank account. Your CDP Securities account must already have a DCS bank account linked up before you can apply for the Singapore Savings Bonds. Joint CDP accounts cannot be used.

You don’t need a trading account with a securities broker to purchase Savings Bonds.

How to Apply (SRS)

If you’re using SRS funds:

1. You need an SRS account with one of the three SRS Operators (DBS/POSB, OCBC, or UOB)
2. Internet banking access with your SRS operator

Example: Application via Internet Banking (DBS/POSB):

Applying for SSB takes about a minute through internet banking. User interface may vary slightly as banks update their platforms, but the overall idea will be similar.

Step-by-step walkthrough:

1. Log in to your internet banking
2. Navigate to “Invest” → “Singapore Government Securities” → “Singapore Savings Bonds”
3. Verify the SSB available → Apply
4. Enter the amount you want to apply for (in multiples of $500)
5. Confirm your application

Browser Bug Alert: If you’re using Chrome and the “Apply” button is missing, try using Firefox instead. Also disable any ad-blockers as they may interfere with the website.

Application Fee: A transaction fee of $2 is charged for each Savings Bonds application.

Allocation

Checking Allotment Results

You can check your allotment results in two ways:

Option 1: MAS Allotment Results Page

Visit the MAS allotment results checker and search for your issue.

Option 2: SSB Portal (Recommended)

Log in to the MAS Singapore Savings Bonds portal with your Singpass.

The portal gives you a helpful overview of:

• Your existing Singapore Savings Bonds portfolio
• Total amount invested
• Upcoming interest payments
• Current month’s allotment results (after scrolling down)

What Happens During Over-Subscription

When total applications exceed the total issuance size, Singapore Savings Bonds are allocated according to the “Quantity Ceiling” format.

Each applicant will receive at least $500 of Savings Bonds. The amount increases in multiples of $500 until either:

• An applicant has received the full amount applied for, OR
• All available bonds have been allotted

If the issue is significantly oversubscribed, allocations increase in $500 increments up to the quantity ceiling. Once the ceiling is reached, a random selection process determines who receives the final $500 tranche.

For example, in September 2022:

• Applicants who applied for $13,000 or lower were fully allotted
• Applicants who applied for $13,500 or higher were allotted either $13,000 or $13,500
• Approximately 55% of these applicants (see % Additional column) were randomly selected and allotted the additional $500

When Refunds Are Processed

Unsuccessful applications (or partial applications) are refunded by the 2nd last business day of the month.

The refund is directly credited to your designated bank account.

Interest Payments

Interest Payment Schedule:

Interest payments occur every six months after the issue date:

• Issue date + 6 months
• Issue date + 12 months
• Issue date + 18 months
• Etc.

For example, if you bought the September 2022 issue (issued on 1 September 2022), your interest payment dates are:

• 1 March 2023
• 1 September 2023
• 1 March 2024
• 1 September 2024
• And so on…

Interest payments are automatically credited to your designated CDP bank account. You’ll see the transaction labeled with the SSB naming convention (e.g., “CDP-SBSEP22”).

Redemption Strategy

What Redemption Means

When you redeem your SSB, you’re returning the bond to the Singapore Government before it matures. In exchange, you receive your principal plus any accrued interest earned up to that point.

How to Redeem

• For cash accounts: Submit redemption requests via internet banking portals or ATMs
• For SRS accounts: Submit redemption requests via internet banking portal

No Penalty for Early Redemption

This flexibility is unique to Savings Bonds. You receive the full investment amount with accrued interest. The interest you’ve already earned is pro-rated, so you don’t lose out.

Redemption Fee

A transaction fee of $2 is charged for each Singapore Savings Bonds redemption.

Minimum Redemption Amount

The minimum redemption amount for each Singapore Savings Bond issue is $500, and in multiples of $500 up to the amount you have invested.

Liquidity / Redemption Timeline

Here’s how long it takes to get your money back:

1. Apply to redeem: Redemption window opens on 1st business day and closes on 4th last business day of the month (by 3pm)
2. Receive your money: By 2nd business day of the following month
3. Maximum wait time: Approximately 1 month

This isn’t perfectly liquid like a savings account, but it’s significantly easier to handle for most people without having to deal with selling on secondary market for T-bills and SGS Bonds.

Where Proceeds Go

Redemption proceeds are automatically credited to your designated CDP bank account.

Swapping Lower-Yielding Issues For Higher-Yielding Ones

One of the most powerful features of SSB is the ability to swap older, lower-yielding issues for newer, higher-yielding ones.

Here’s the play:

Compare your existing SSB holdings to the current month’s issue. If the new issue offers significantly better rates, you can:

1. Redeem your old SSB (pay $2 redemption fee)
2. Apply for the new SSB (pay $2 application fee)
3. Total cost: $4

Is It Worth Swapping?

Let’s say you’re holding an SSB with a 10-year average return of 2.80%. A new issue comes out with 3.30%.

That’s a 0.50 percentage point improvement.

On $10,000, that’s an extra $50 per year for 10 years = $500 in additional interest. The $4 swap cost is negligible.

Even for smaller improvements like 0.20%, the swap can make sense if you’re swapping a large amount or more importantly, if it extends your maturity runway significantly.

Use the MAS SSB Calculator to compare your existing holdings vs new issues.

Using Outstanding SSB Data

You can check what other investors are doing by looking at Outstanding SSB data on the MAS website.

This tool shows you the percentage of each SSB issue that hasn’t been redeemed yet. When you see high redemption rates for older issues, it means investors are actively swapping for better yields.

High outstanding percentages can signal attractive yields – though it can also reflect investor inertia (people not actively managing their SSB holdings).

The 3% Psychological Baseline

Looking at redemption patterns, an interesting trend emerges.

• SSB with 10-year average returns above 3% experience significantly lower redemption.
• SSB with 10-year average returns below 3% see significantly more redemptions. Investors appear to view 3% as an important threshold for deciding whether to hold or redeem.

This makes intuitive sense. A risk-free 3% locked in for 10 years is attractive compared to:

• CPF Ordinary Account (2.5%)
• Historical SSB rates (was as low as 0.80% in 2020)
• The uncertainty of variable-rate products declining over time

Timing Your SSB Purchase Based on Rate Trends

When SSB rates are trending upward (interest rates rising), it might make sense to wait a month or two for better rates.

When SSB rates are trending downward (interest rates falling or expected to fall), locking in current rates before they drop further makes sense.

Use tools like iLoveSSB to project next month’s likely rates based on current 10-year SGS yields.

How Interest Rates Affect SSB

Understanding the relationship between global interest rates and SSB helps you make better timing decisions.

The Connection

Global interest rate movements influence Singapore’s bond yields, which in turn determine SSB rates.

Here’s the general flow:

1. Global central banks (like the U.S. Federal Reserve) adjust rates to manage inflation and economic growth
2. These shifts affect investor expectations and capital flows across bond markets worldwide.
3. Singapore’s 10-year government bond (SGS) yields respond to these global trends.
4. SSB rates are calculated based on the average 10-year SGS yield from the reference month

The key point: When global rates rise, SGS yields typically rise too, leading to higher SSB rates. When global rates fall, the reverse happens.

Why SSB Rates Fluctuate

SSB isn’t a static product. Each monthly issue has different rates based on where the 10-year SGS yield was the month before applications opened.

Apart from global interest rate movements, SSB yield is affected by market forces, inflation expectations, MAS policies and global economic environment.

Simplistically, when bond yields go up or down, SSB rates follow.

Normal vs Inverted Yield Curve

In normal market conditions, longer-term bonds pay higher interest than shorter-term bonds. This is called a normal yield curve.

Source: investopedia.com

During economic uncertainty or when central banks are aggressively hiking rates, you sometimes see an inverted yield curve where short-term rates exceed long-term rates.

Source: investopedia.com

Inverted yield curves are historically associated with recessions. This is why you might see short-term cash management products offering higher yields than 10-year SSB during certain periods.

Why This Matters

When SSB rates are high (above 3%), the possibility of locking in these rates means you benefit even when rates eventually decline.

When SSB rates are low (below 2%), you might prefer flexible cash management products (no liquidity concerns) that can capture higher yields when rates rise.

The key is understanding where we are in the interest rate cycle.

Specific rate predictions change monthly and belong in news updates, not this evergreen guide. But the fundamental relationship stays constant.

SSB vs Alternatives – Decision Framework

SSB isn’t the only option for parking cash. When it comes to cash options, it boils down to the combination of 3 factors – returns, liquidity and safety.

Here’s how it compares to the main alternatives and when to use each.

Decision Framework by Use Case

SSB might suit you if:

• You want to lock in favorable yields (3%+) for the long term
• You have emergency funds that you’re okay accessing within 1 month (not instant)
• You expect interest rates to decline and want to capture current rates
• You value certainty over maximizing short-term yields
• You’re comfortable with the monthly application cycle

Cash management funds might suit you if:

• You want a balance of returns and liquidity
• You’re diversifying across multiple cash management products
• You want to keep your options open to move money quickly
• You’re comfortable with T+3 withdrawal timelines
• You don’t mind variable rates that can go down over time
• You’re optimizing for flexibility

Bank accounts might suit you if:

• You need instant access to cash (emergency fund liquidity)
• You value convenience over maximizing yields
• You’re holding smaller amounts (<$10k) where yield differences are negligible
• You want zero complexity (no application cycles, no redemption process)
• You’re comfortable with variable rates that may decline over time

Rate Stability Consideration

This is the classic trilemma I mentioned earlier – a difficult choice among three options, where choosing any two makes the third impossible.

There’s no universally “better” option. It depends on:

1. Returns – The yield or interest your cash earns while parked
2. Liquidity – How fast you can withdraw or spend the cash when needed
3. Safety – How protected the principal is from loss, defaults, or market swings

My Take

My Allocation Philosophy

I don’t go all-in on any single cash management product. Different tools serve different purposes.

• SSB’s role in my portfolio: Lock in favorable long-term yields (3%+) for a portion of my emergency funds where I’m comfortable with 1-month liquidity.
• Cash Management Funds: Short-term flexibility with higher current yields for funds I might need to access quickly or want to redeploy based on opportunities.

Why I use both: Because “best” depends on the context. The mix shifts based on where SSB rates are relative to alternatives. Sometimes locking in certainty beats chasing the highest yield. Sometimes flexibility trumps a locked rate.

Locking In Favorable Yields When Declining

Here’s my mental framework: When I see SSB rates hit 3%+ and I expect rates to trend downward over time, I lock them in for 10 years.

Think of it like fixing utility rates before increases. If electricity rates are $0.20/kWh and trending up to $0.30/kWh, you’d lock in $0.20/kWh for as long as possible, right?

Same principle. When SSB hovered above 3%+ in 2023/2024 and the Fed was signaling rate cuts ahead, that was the time to lock in. Because once rates start declining, you won’t see 3%+ SSB again for a while.

When SSB rates hit my threshold (3%+), I deploy a significant portion of my emergency funds into SSB. I know rates will eventually drop (they always do when central banks pivot), so locking in 3% for 10 years becomes attractive.

My 3% Baseline Thinking

I view 3% as the psychological threshold for SSB attractiveness.

Why 3%?

• It beats CPF OA (2.5%)
• It’s significantly better than historical SSB lows (0.8% during pandemic)
• It’s appealing for a risk-free, government-backed instrument
• Historical data shows other investors think similarly (3%+ SSB see very low redemptions)

My decision criteria:

• Above 3%: I seriously consider buying and locking in
• Below 3%: I might skip and stick with alternatives like Mari Invest SavePlus or Fullerton SGD Cash Fund

It’s not a hard rule, but 3% is my anchor point.

A risk-free 3% locked in for 10 years is genuinely attractive when you consider:

• Where rates have been historically
• The uncertainty of variable-rate products
• The peace of mind from knowing exactly what you’ll earn

Swapping Approach: Yield Improvement & Runway Extension

In the last few years, I actively managed my SSB portfolio by swapping lower-yielding older issues when significantly better rates appear.

When I swap: I compare my existing SSB yields to current offerings. If there’s a meaningful improvement (0.2% or more), I’ll consider swapping.

Cost-benefit thinking: The total cost is $4 ($2 redeem + $2 apply). On $10,000, a 0.2% improvement = $20/year extra. Over 10 years = $200. The $4 swap cost is trivial.

But it’s not just about yield improvement. I also consider the maturity runway extension. Swapping an April 2023 issue for a July 2024 issue gives me an additional 15 months of locked-in yield, even if the rates are similar.

What a decision framework might look like:

• Yield improvement >0.2% = likely swap
• Yield improvement >0.5% = definitely swap
• Yield improvement <0.1% = probably not worth the hassle unless extending runway significantly

What Changed My Approach Over Time

Before 3%+ SSB rates became available, I used whatever cash management options offered the best yield. When the best SSB could offer was 1.5-2%, there was no compelling reason to lock in those rates for 10 years.

I kept my emergency funds in products like insurance savings plans, digital bank accounts, or cash management funds that gave me better yields with more flexibility.

When 3%+ SSB became available in late 2022, that changed my thinking. Locking in 3%+ for 10 years became compelling because:

• It’s hard to beat 3% for cash on a risk-adjusted basis
• I expected rates to eventually decline (which they did in 2024)
• The opportunity cost of being locked in wasn’t as painful when the locked rate was attractive

Current state: I maintain a portfolio mix of locked-in SSB yields (averaging >3% across holdings) plus flexible cash management for liquidity needs.

My Personal Experience

I locked in SSB yields averaging above 3% across my holdings by applying during the high-yield window in late 2022 and 2023.

I actively swap lower-yielding older issues when significantly better rates appear.

Application timing: I typically apply on the last day of the application window after maximizing interest earned elsewhere. Why rush to lock in my money on day 1 when I can earn a few extra days of interest in my cash management products first?

Advanced Topics

SSB Naming Convention

Each SSB issue has a specific naming convention that helps you track your holdings.

For example: SBDEC22 GX22120S

Breaking it down:

• SB = Savings Bond
• DEC22 = Issued in December 2022
• GX = Denotes this is a Savings Bond (always GX)
• 2212 = Year and month issued (2022, December)
• 0S = MAS internal reference code

In your bank statement, interest payments will show as “CDP-SBDEC22” so you know which SSB issue paid you.

Using SSB In Portfolio Construction

If you follow traditional portfolio allocation models like 80/20 or 60/40 (equity/bonds), SSB can potentially serve as the bond component.

Why SSB works as a bond allocation:

• Risk-free rate around 3% (no volatility unlike bond ETFs)
• Government-backed (similar to traditional government bond holdings)
• Provides stability to balance equity volatility
• No capital loss risk (unlike tradable bonds where prices fluctuate)

For example, in a $100,000 portfolio (this is illustrative, not a recommendation):

• 60/40 allocation: $60,000 in equities (index funds/stocks), $40,000 in SSB
• 80/20 allocation: $80,000 in equities, $20,000 in SSB

The advantage over bond ETFs: You know exactly what you’ll earn (no interest rate risk affecting bond prices).

The disadvantage: Less liquidity (1-month redemption vs instant selling of bond ETFs).

Singapore Government Securities Cheat Sheet

SSB, T-bills, and SGS bonds are all government-backed, but they work differently. Which one makes sense depends on how much you’re parking, how long you’re locking it in, and whether you need the flexibility to bail early.

Type	Singapore Savings Bonds	SGS Bonds & T-bills
What	Government security that offers individuals flexible investment period.	Government securities with varying maturities.
Returns	Interest rates that increase the longer you hold, with a 10-year maturity.	A fixed interest rate, with maturities from 6 months to 50 years.
Liquidity	Flexibility of redeeming in any month. You’ll get the principal back with accrued interest by the second business day of the next month.	Ability to trade in the secondary market. However, if you sell before maturity, prices may be above or below what you paid.
Min. Investment	A low minimum investment of S$500 (capped at S$200,000 overall per individual).	Ability to invest in larger amounts, with no overall limit. The minimum amount is S$1,000 (capped at the limits for each auction).
Funding Source	Ability to buy using cash or SRS.	Ability to buy using cash, SRS or CPF funds.

More details at at MAS website.

Pro-Tips From Experience

• Browser Workaround: If you’re applying via DBS/POSB internet banking and the “Apply” button is missing when using Chrome, switch to Firefox. This bug has persisted for a while.
• Disable Ad-Blockers: Ad-blockers can interfere with the internet banking website when applying for SSB. Temporarily disable them during application.
• When I Apply: I typically apply on the last day of the application window (4th last business day at 9pm). Why? Because I can maximize interest earned in my other cash management products for those extra days before locking money into SSB. The difference is small but it compounds: a few extra days of interest in Mari Invest SavePlus vs 0% while waiting for SSB to be issued.
• Use Outstanding SSB Checker: Before deciding whether to redeem an older issue, check the Outstanding SSB data. If you see an issue with only 30% outstanding (meaning 70% redeemed), that’s a strong signal other investors have found better alternatives.

Conversely, if an issue shows 95%+ outstanding after many months, investors are holding extremely tight because the yield is attractive.

Official MAS Website:

Third Party Tools:

• iLoveSSB is a third-party tool (not affiliated with MAS) that helps with SSB tracking, comparisons, and rate projections. Useful features include projecting upcoming SSB rates and historical data analysis.

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Kevin started beragampengetahuan after hitting rock bottom at negative $25,755 net worth. Today, his investments and side hustles cover his expenses and travels. He shares what actually works (and what doesn’t) for Singaporeans building wealth. Learn more about Kevin here.