BS22125T 6-Month T-bill
In case for people who are not following the latest T-bill news,
The latest T-bill is out for application with the deadline of 20 December 2022 and the Auction Date 21 December 2022. Please remember to apply latest via internet banking (Cash and SRS) or in person (CPF) by 20 December 2022. For those who want to apply using CPF-OA and CPF-SA funds, please go down in person to our local banks (DBS, OCBC or UOB).

What would the yield be?
The last 6-Month cut off yield was at 4.4% (historical high). What would the upcoming yield be? Given that there was a rate hike yesterday and the FOMO due to last 4.4% and the data in the MAS website, quite likely, it will be around 4 to 4.3% for the upcoming T-bill (very likely is less than 4.4%). If you would like to have some risk-free assets, do consider it.
Would I submit a bid for the auction?
Personally, I won’t.
This is because I have enough emergency funds with SSB (I prefer to lock 2.5%-3%+ for 10 years, with the flexibility of being able to take out the funds within the maximum of 1 months).
My other funds are kept with UOB, OCBC, FSM and Money Owl which I have shared in my earlier post on Best places to put Liquid Cash now, especially with Money Owl which also give 4.2% with full liquidity. I need these cash to take advantage of the following…

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Take advantage of what?
I am indeed feeling some FOMO (see my post this morning), hence I took advantage of tonight to buy some small amount of VT. I am prepared to buy more as it goes down. (Of course, there are some other shares/cryptos I may buy later as the market goes down further, but likely I won’t mentioned in my site as those are riskier and not suitable for everyone.)


Market Update
Quite likely the market will go down further for the next few days (at least).
Remember what we have posted last? Today is the mid of Month!

Anyway, for those who are keen, can refer to the menu on my main page. For market related, I will put in this menu bar call “Market Updates” (see screenshot below).


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