Should I invest in SSBs? Their returns seem so low?

It’ll depend on what is your end goal to your investments, if you’re looking at hedgling against inflation, then SSBs is probably one of the best ways to hedge against inflation.

However do note that bonds in general is like lending people money for a period of time and you get compensated with regular interest rate. It’s is not something that will grow over time like businesses or REITS or ETFs. It’s like a coupon that allows you to claim your money back after a period of time.

if you’re looking to grow your money, then setting aside a small portion of your money into bonds so that you have your back covered then you can proceed to grow your money with the other investment instruments out there.

Wishing you a wonderful investing journey ahead!

Low risk, low returns.

There isn't another product in the market that gives a higher return for the same risk taken as the SSB.

You should ask if you would like them in your overall portfolio instead of looking at them individually.

Markets up or down, you'll still get your coupons and your capital at the end of 10 years.