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? SSB: Withdrawal anytime (volatility) with $2 processing fee At the same time, earn step up interest. Matured after a decade
Temasek 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.