I am starting to build my portfolio but given the low rates of bonds these few months, would it be advisable to include it in my portfolio now?

Here's some questions for your to think about :

• what are the opportunity cost of choosing bonds over alternatives such as bonds/ robo-advisory

• Is there other possibilities for you to diversify your portfolio/ balance your risk-reward

Is your bonds liquidable?? I dont think "The big short" series 3 is happening anytime

• Note that SSB locks in interest rates, and the step-up interest rate truly begins after 4 years

Here are some consideration for you to diversify

• Index funds such as STI

• Unit trust / ETF

• Reits

• robo-advisory

Last thing to note: market is volatile + Covid is still around

Nevertheless, whatever your choice, do your own due diligence

From your question,

1. I'm not sure which bonds you are thinking off.

2. I'm assuming you are thinking long term

3. Not sure about your age, risk adversion

If this question was posted during circuit breaker, I've given you the opinion that you'll be better off buying banks share or REITS.

Now, personally I'll still buy into stocks or UT or REITS, as there is still potential growth oppotunities.

However, you'll need to do more homework, as the more solid companies have already started making their recovery, so you'll need to check if they are still worth buying.

Please also note that there is some speculation there may be another drop. So aware and don't get a heart attack if it does. If the company you buy is good, it will make a recovery sooner or later.

P/s Keyword here is "opinion". this i just my personal opinion, not advise (not qualitfied to do that)​​​