facebookHow do you build your investment / saving ladder? How do you track them? - Seedly

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Ace

30 Nov 2025

General Investing

How do you build your investment / saving ladder? How do you track them?

The video indicates:

  • SSB/T bill ladder
  • SSB mixed with ETF/stocks dividend ladders

https://www.youtube.com/watch?v=PhkjRbrR0xk - Hope it's useful to all who read this.

Tracking done by Excel/Google sheets.

Discussion (20)

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Robin

02 Jan 2026

Administrator at SG

Simple Interest

This ladder method is not new. SSB acts like cash saving and pays out simple interest. This vehicle can be used as a conservative method of savings but definitely not for beating inflation.

Compound Interest

Other bonds fluctuates and pays out compounded interest. In the longer term, the returns can be more substantial.

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Thanks

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