Answers (3)

It highly depends on which you are comfortable with, SSB is government-backed bond and Temasek Bond being rated "Aaa" by Moody's is afterall still a corporate bond.

SSB:

• Returns - S$33.30 after 5 years (S$37.20 after 10 years)
• Able to withdraw anytime, (within a month of processing time)
• More details

Temasek Bond:

• Returns - S$40.5 after 5 years
• Cannot withdraw but you are able to sell back to the market in SGX (if there are buyers in the market and you might sell at a loss)
• More details

If you're adventurous enough and want to try out Temasek Bond, you can put $1,000 into that and the remaining $500 into SSB because for Temasek Bond you can only invest in denominations of S$1,000.

Do ask yourself which you are most comfortable with, never invest in something that you don't believe in. Hope this helps! :)

Can consider the Temasek bond instead as it gives 2.7% interest which is higher than what the Singapore Savings Bond is offering. Additionally, it's AAA-rated credit so it should be safe!

I would say the temasek bond. it is rated AAA, and you can always sell it back to the market if you need to money for an emergency (historically, bond prices do not move MUCH, so you won't lose/gain much from selling.)