11 Jun 2019
Have 1.5k to invest for the tranche in Nov. Am thinking whether to consider temasek bond now. Any advice?
I wouldn't say it is a bet but rather which would you prefer? '' Assuming'' that both SSB and temasek have the same level of risk (or claimed to be due to temasek can be seen on par with the government itself by most Singaporeans), which would you choose?
Withdrawal anytime (volatility) with $2 processing fee
At the same time, earn step up interest. Matured after a decade
Higher interest rate than SSB within 5 years
But, lock in for 5 years
In reality, temasek is a corporate bond not sg government so hold a higher risk.
If you are unsure, why not both?
As for the portion of distribution, ask yourself which do you prefer.
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I will get SSB until I hit the hot-limit which is 200k.
I love certainity, for that extra few percent of return versus the risk? Forget about it (From my perspective).
I either go low - Meaning highly secured an safe bonds or....
I go high - meaning risky bonds that have chances to default, I go for REITs, I go for blue chip stocks that typically move up and down much more.
Depends on your character and experience, if I have to give an answer, it will be SSB (Till you hit 200k)
There's no straight answer for this.
but here's are some things to consider:
I may not be you, but I share my mode of operation. I will max out my SA 7k contribution before I consider the SSB bonds. Then TB.
Neither for me.
Unless I am a retiree who has not enough time, I will not invest in such low yield ...
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