BJAN23 GX23010Z
The rate is out – it’s not bad 3.26% for 10 years. Although it is lower than last month, but 3.26% for 10 years are not bad! Higher than OA but lower than SA!

Other alternative?
Of course, if you look at Fixed deposit rate (example, CIMB give 3.95% for 6 months), it’s a sure lose in the short term, but good for longer term as we don’t know how long the high interest rate will last! But best option now is UOB where you get 5% if you fulfill salary credit and $500 spending (most people will hit this!) Hence ultimately, it depends on your objective.

Application Details
The amount offered is S$900.0 million as compared to S$1000.0 million, perhaps MAS expects less people to apply?
For those interested, these are the application timeline:
- Opening Date: 01 Dec 2022, 6pm
- Closing Date: 27 Dec 2022, 9pm
- Allotment: 28 Dec 2022, after 3pm
- Issuance: 03 Jan 2023 (by end of day)
What’s my plan? SSB Ladder Bonds!
For me I will redeem my June 2022 SSB which give me 1.69% for the 1st year and apply for this issue. In this way I will still have my SSB ladder bonds that I have painfully built up! The rest I will leave in UOB ONE, OCBC 360, CIMB Fast Saver etc. I have shared more about this last night. You may wish to check out this post! (Why buy equities when saving accounts give 5% or more?)


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