SSB and beyond

I am a pre-retiree and have invested in Singapore Savings Bonds (SSB) up to the cap limit. I started investing in SSBs in 2023 and 2024, with an average interest rate of about 3.27%, which will be locked in for 10 years on a total investment of $200,000.

For the rest of my retirement funds, I have been investing in Singapore T-bills. However, T-bill yields have been trending down recently to around 1.4%, which is not significantly better than fixed deposits.

Given this environment, what other low-risk investment options that can potentially offer better yields than T-bills.