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0:00 – Intro
0:45 – How SSB works
1:46 – How to build a SSB bond ladder
2:53 – How to build a T Bill bond ladder
5:49 – SSB bond ladder benefits
7:21 – SSB bond ladder downside
9:16 – Tips and tricks
*None of this is meant to be construed as investment advice. It’s for entertainment purposes only. Links above include affiliate commission or referrals. I’m part of an affiliate network and I receive compensation from partnering websites.*…(read more)
LEARN MORE ABOUT: Treasury Inflation Protected Securities
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As interest rates remain at historic lows, many investors are seeking ways to generate income from their investments. One strategy that has gained in popularity is the use of a SSB bond ladder.
A SSB bond ladder is a portfolio of individual Singapore Savings Bonds (SSBs) that are purchased and held over a number of years, with the aim of creating a predictable income stream. The bonds are purchased at various intervals and are held until maturity.
Here are some tips and tricks on why you should build a SSB bond ladder now:
1. Consistent Income Stream – Building a SSB bond ladder can provide a consistent income stream. The bonds offer an interest rate that is typically higher than traditional savings accounts, making them a great option for those looking for a reliable source of income.
2. Low Risk – SSBs are considered low-risk investments. They are backed by the Singapore government, which means that the risk of default is very low. This makes them a good option for investors who are risk-averse.
3. Liquidity – SSBs are highly liquid investments, meaning that they can be easily bought and sold on the secondary market. This makes them a good option for investors who may need to access their funds quickly.
4. Diversification – A SSB bond ladder can provide diversification to an investor’s portfolio. By investing in different bonds with varying maturities, investors can spread their risk and potentially reduce their overall portfolio risk.
5. Tax Efficiency – SSBs are exempt from both Singapore income tax and capital gains tax, making them a tax-efficient investment option.
In conclusion, building a SSB bond ladder is a great option for investors looking to generate income in a low-interest-rate environment. With their predictable income stream, low risk, liquidity, diversification and tax efficiency, SSBs are an attractive investment option. So why not start building your SSB bond ladder now?
Hi Kelvin, how many times can i stack in the bond ladder for SSB? issit up to 200k in total? and only need to do 6 times to complete 1 cycle right?
Hi Kelvin, I don't really quite understand u said building Tbill ladder is super ma fan by keep buying monthly, but for SSB ladder not also the same buying monthly?
Bangkok bank FD 4.4% 1yr, 4.5% 2yr, 4.6% 3yr FD min 200k.
RHB 4.1% 2yr.
CIMB 4.15% 1.5yr
SIF 4.18% 1yr
I like your red polo tee
Nice, helpful thanks. Especially its very useful perspective for the majority of us who just starting to earn, save, low income earners or beginners.
SSB has an unique benefit of 0 principal or accrued interest loss when redeemed early, unlike normal bonds which are subject to valuation pricing. Hence there is not much advantage in bond laddering or DCA. I think you can invest at one go into SSB, and whenever interest rate goes higher, you can redeem all with zero loss and reinvest all capital again on the new SSB issue at higher yield.
Why no more cute pet anymore?
How do you buy bonds and ssb
Can I ask what will happen after 10 years. SSB will expire and I get my money automatically?
uSMART (free stock) can teach me step by step ? I want to sign up for the reward…
Can also do a video for broker comparison for 2023 ?
Bro the tbill is coming down soon
That is why the rich becomes richer
10yr US T-bill return just had a dip. Debt instrument should be adopted start of 2022. Covered call ETF perform better
Kelvin, since you have been so successful with the wheel dividend strategy plus market has crashed so much, the wheel strategy would beat whatever bond ladder, why don't you continue on your wheel instead of diverting your funds to this ladder?
Thank Mr kelvin for dharing ,lm interested in build up the bond ladder ,ok to share l have fill up one SSB already in last yr Nov 2022 ,so what now? may 2023 this year get interest,they will auto credit interest or have to go redeem yourself ? If redeem how to calculate and ok just to take out the interest every 6 months ,hope hear from you ?thank
If you want to invest T-Bill using CPF OA, for evey $1000 you invest, you lose foregone CPF interest of about $8.33. So best result is you get allocated 100% of what you apply for at a rate higher than 2.5%. The worst is you don't get allocated at all.
i think for tbills and ssb, better to buy short term ones in case you need the money immediately when market crash or for other matters so you can buy cheap discounted stocks
Thanks for sharing the bond ladder idea. Very relevant and timely indeed. 1 point to share – Sometimes, people think DCA-inga bond fund say from endowus or FSMONe is already the same as buying bonds. I think it is a common misconception that there are the same. (eg loss of control and no interest cashflow pay out)