Hi! Is it a good idea that I top up SRS (tax reduction purpose) & use the SRS $ to buy Singapore Tbills? Tbills versus Singapore Savings Bond - which is better? (No prob holding 1 year). Thanks!

That was the route I took. Super exciting to see the T bills' daily accrued interest increase every day in my SRS account!

Certainly a good idea contributing to SRS for tax release/deferment particularly if you are in the higher tax bracket. Once you have contributed into SRS, you don't want to leave it idle earning miserable 0.05%. Investing in T-bills and SSB would give you risk free higher returns.

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Whether investing in T-bills or SSB depends on the respective yield and how long you intend to hold. T-bills are shorter term instrument (6-month or 1-year) whereas SSB can hold up to 10 years.