May I know when will be a good time to buy bonds, when the interest rate is low, or high?

Generally, we will want to invest when the bond yields are high. However, there is no proven method to determine the direction of the interest rate.

As a result, focus on your position and your portfolio. Understand how the addition of the bonds will improve your asset allocation.

Depending on your risk appetite, you may consider Singapore Savings Bonds or high grade corporate bonds.

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Bonds are held because they hold better priority in the event of bankruptcy. As such, they are lower-risk investments compared to equity. And they deserve lower returns relative to equities.

You buy bonds because you want less risk and require higher assurance that you will not lose your capital, which is non-existent for equities.

I avoid looking at simply the interest rates or feasibility because I deem them as a tool for risk management.​​​