Fixed Income

Singapore Savings Bonds

To provide individuals with a long-term savings option that offers safe returns

Singapore Savings Bonds

Savings Bonds are a safe and flexible option to maintain the value of your nest egg. You can earn step-up interest on your savings until you need the money. It can help you diversify risks and achieve an efficient portfolio.

More information at: www.sgs.gov.sg/savingsbonds

How to Apply

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Product Details

Benefits

  • Principal guaranteed: You will always get their investment amount back in full, i.e. no capital losses.
  • Long term investment: 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.
  • Flexible redemption: You don’t have to commit upfront how long you want to be invested. You can get your funds back within a month, with no penalty for exiting your investment early.

How can you benefit?

  • Saving for retirement: Savings Bonds are a safe and flexible option to maintain the value of your nest egg.
  • Setting money aside for “rainy days”: You can earn step-up interest on your savings until you need the money.
  • Diversifying your investments: Savings Bonds can help you diversify risks and achieve an efficient portfolio.

Features

Savings Bonds are a special type of Singapore Government Securities (SGS) with features that make them accessible and suitable to individual investors.

  • Eligibility: Individuals only
  • Term: 10 years
  • Interest: Paid every 6 months. At issuance, rates are fixed based on the prevailing SGS yields and locked in for each issue
  • Issuance: Monthly
  • Redemption: Monthly, with no penalty. Principal and any accrued interest will be paid
  • Investment amount: Minimum of $500, and subsequent multiples of $500 up to a cap to be announced
  • Non-tradable: Savings Bonds are non-marketable securities and cannot be bought or sold in the secondary market

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