Constantly hearing that SSB is a very safe investment, what are some of the risks of investing in SSB?

Luckily I signed up for SBB few years back when the interest rates were at all time high. Just take note that you will receive the redemption amount you requested in full, along with any accrued interest, by the 2nd business day of the following month, so it is not immediate release of money.

While Singapore Savings Bonds are very safe since it is backed by the government, there exists risks factors such as inflation risk.

At the current state, it yields less than 2% upon maturity. Accordingly, the key question is, is the rate of return higher than the rate of inflation? If not, our money is still being eroded away by inflation. Therefore, investing in Singapore Savings Bonds will not be a good investment.

Next, there is an opportunity cost associated with every investment. By putting our money into Singapore Savings Bonds, our money in locked for the next 10 years in order to earn a decent yield. However, if a better opportunity arise, we won't be able to cash in and channel our money into a better tool. As a result, we will be forced to forgo the better investment.

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