Asked by Anonymous

Do you think investing in SSB or temasek bond will be a better bet?

Have 1.5k to invest for the tranche in Nov. Am thinking whether to consider temasek bond now. Any advice?

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    • Cherie Julianne Tan
      Cherie Julianne Tan, Content Strategist at Seedly
      39 Answers, 89 Upvotes
      Answered on 17 Oct 2018

      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.


      • 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! :)

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    • Yong Kah Hwee
      Yong Kah Hwee

      Top Contributor (Jan)

      458 Answers, 621 Upvotes
      Answered on 17 Oct 2018

      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.)

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    Gabriel Lee
    Gabriel Lee
    366 Answers, 557 Upvotes
    17 Oct 2018

    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!

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