The recent Singapore Saving Bonds interest looks good. Should i put my money in SSB or endowment. Can endowment really able to deliver a better returns vs SSB

Actually, you can do both Endowment and SSB, with a good sum, and see the promised returns down the road.

​

Note that certain endowment plans are designed to provide assurance for the long haul, over 10 years or even 20 years in fact. So do check the policy details and ask if it doubts, even before you consider to buy the policy.

​

Otherwise, there is a free-look period usually for endowment plans, if there is any change of minds after signing up, I'd free-look the policies if there are any major concerns unaddressed.

I'm curious what makes you limit your options to just bonds and endowment plans. Is it because bonds are safer options? My take is if you have the money to invest in several options, might be best if you diversify, meaning not just invest in bonds (SSB) or endowment plan alone, but mix it with other investments too, like stocks, properties, REITs. Between the 2 you mentioned, I'd always stick with SSB for the primary reason that it is "government-backed". But the returns may not be much for you if that's the only place you invest your money in. I found this good read about investing in bonds and discussing whether it is the solution to today's rising inflation. Might find additional info here too https://bit.ly/3aVdbAY