How to Apply for Singapore Savings Bonds (SSB) – A Safe and Flexible Investment for Everyone
Looking for a safe way to grow your money in Singapore? The Singapore Savings Bonds (SSB) might be the perfect solution for you.
What Are Singapore Savings Bonds (SSB)? The Singapore Savings Bonds are issued by the Singapore Government and designed to give individuals a low-risk investment option with guaranteed returns. Unlike fixed deposits, you can hold SSB for up to 10 years and enjoy step-up interest that increases the longer you keep your bonds.
Key Benefits of SSB
Safe and Secure – Backed by the Singapore Government, almost risk-free.
Flexible Tenure – You can redeem anytime with no penalty.
Step-Up Interest – Interest rates increase every year you hold.
Low Entry Requirement – Minimum investment starts at just S$500.
Guaranteed Returns – A reliable way to grow your savings without market risks.
How SSB Works Investors can apply for Singapore Savings Bonds through DBS, UOB, or OCBC ATMs and internet banking. Interest is paid out every six months directly into your bank account. If you decide to redeem early, you still get the interest you have earned.
Why Singaporeans Invest in SSB
A safe alternative to stock market investments.
Higher returns compared to regular savings accounts.
Useful for emergency funds since you can cash out anytime.
Great option for retirees looking for stable passive income.
How to Apply for SSB
Open an individual CDP (Central Depository) account.
Apply via internet banking or ATM.
Minimum S$500, in multiples of S$500, up to S$200,000.
Results are announced monthly, and successful applications are allocated bonds.
SSB vs Other Investment Options
Fixed Deposits – SSB usually offers higher flexibility.
Stocks/REITs – Higher risk, but potentially higher returns.
CPF – Long-term and less flexible compared to SSB.
Conclusion The Singapore Savings Bonds are an excellent choice for anyone looking to grow their money safely while keeping flexibility. Whether you’re a first-time investor or a retiree, SSB can be part of a smart financial plan.
Local beverage brand Fruce to close last outlet at Wisma Atria on Jan 14
Homegrown drinks brand Fruce has announced its closure, joining a list of food and beverage establishments that have shuttered their doors recently.
'Runaway' groom: Meet the man who opted for a marathon 'bachelor party'
When we hear the term "bachelor party", most of us think of late nights filled with drinks and games.
Free things to do in Singapore (February to March 2026)
One Battle After Another, Hamnet take top honours at Hollywood's Golden Globes ceremony
BEVERLY HILLS, California — Dark comedy One Battle After Another and Hamnet, a story about William Shakespeare and grief, claimed the top prizes on Sunday (Jan 11) at the Golden Globes, one of the first major events in Hollywood's annual awards season.
Trending
Quick Credit Score Check Online – Why It Matters for Your Loans and Finances
Your credit score plays a huge role in whether banks approve your loan or credit card application. A quick credit score check can give you insights into your financial health and help you secure better interest rates in Singapore.
Dual-Key Condo Units in Singapore: Are They Worth It for Buyers?
Dual-key condominium units have been a fascinating segment of Singapore’s property market in recent years. Designed with two separate entrances and layouts under a single title, these units promise versatility—appealing to multi-generational families, investors seeking rental flexibility, or homeowners wanting privacy within the same property.Yet, despite the concept’s appeal, dual-key units have often drawn mixed attention at new launches. Their unique layouts, combined with generally higher qu
Exploring Lorong Sarina: Affordable Freehold Landed Homes in the East from $3.2M
The East never fails to impress with its laid-back charm, and a stroll through Lorong Sarina proves exactly why. Nestled between Changi Road and Sims Avenue East, this landed enclave offers a surprising combination of convenience, accessibility, and quiet residential living.Starting from Changi Road, the neighbourhood is immediately welcoming. Residents have easy access to Eunos Polyclinic and Parkway East Hospital, making healthcare trips hassle-free. The street itself is lined with commercial
One Battle After Another, Hamnet take top honours at Hollywood's Golden Globes ceremony
BEVERLY HILLS, California — Dark comedy One Battle After Another and Hamnet, a story about William Shakespeare and grief, claimed the top prizes on Sunday (Jan 11) at the Golden Globes, one of the first major events in Hollywood's annual awards season.
Jack Neo's daughter, son-in-law closing million-dollar business Chu Collagen after 5 years
After five years in business, home-grown soup brand Chu Collagen is calling it a day.
From Stress Relief to Full Reset: 8 Wellness Centres in Singapore Redefining Rest and Recovery
Singapore’s wellness industry has seen a noticeable surge in recent years, driven by a growing number of people looking to improve their overall quality of life. As conversations around stress management, balance and long-term vitality become more mainstream, wellness has evolved into something far more layered than a simple day at the spa.Today, recovery and self-care take many forms. Alongside traditional relaxation offerings, a new generation of wellness spaces has emerged, blending physical
What to expect from June 2026 BTO sales exercise: Upper Thomson launches and more
Lowest Interest Online Loans Approved in 5 Minutes!
Need money fast? Imagine getting approved for a personal loan in just five minutes — with one of the lowest interest rates online. Whether it’s for emergency expenses, bills, or small business needs, online loans make borrowing quick, simple, and hassle-free.
The best used cars for young professionals in Malaysia
Starting your career comes with many firsts — your first job, your first paycheck, and for many Malaysians, your first car. But while new cars look tempting in showrooms, their rising prices and heavy early-year depreciation make them harder to justify. That’s why more young professionals today are turning toward the used-car market, where good value, reliability, and fuel savings matter more than a shiny new badge.Buying a pre-owned model lets you stretch your budget, enjoy better features, and
Everything You Need To Know About EPF In 2026
How to Get a Startup Loan in Singapore: Fund Your Business with Ease
Looking to launch your startup but need capital to get started? Securing a startup loan in Singapore can provide the funding you need to turn your business idea into reality. Referenciak below to learn more about startup loan options in Singapore and start funding your business today!
Loan Money Without a Job in Singapore: Your Guide to Quick Financial Help
Need urgent funds but currently unemployed? Getting a loan without a job in Singapore may seem challenging, but several financial options can help you bridge the gap. Understanding eligibility, interest rates, and repayment plans is key before applying.
Best Robo-Advisor Platforms in Singapore - Smart Investing Made Simple
Looking to grow your wealth without spending hours studying the stock market? Robo-advisors are making investing easier, smarter, and more affordable for Singaporeans. Check out the top robo-advisor platforms and investment tools below to start your journey today.
Guide to Refinancing Student Loans in Singapore
Student loan refinance is a financial strategy that can help you manage your education debt more effectively. It involves replacing your existing student loans with a new loan, often with better terms and interest rates.What is student loan refinancing?Refinancing allows borrowers to combine multiple loans into a single loan, potentially lowering monthly payments and reducing overall interest costs. This process can be particularly beneficial for those with high-interest private loans or a mix o
Best Personal Loan Singapore 2026 – Affordable Options for Your Needs
Looking for extra cash to handle urgent expenses, education fees, or even a dream holiday? A personal loan in Singapore could be the fast and flexible solution you need. With the right choice, you can enjoy low interest rates, quick approval, and repayment terms that suit your lifestyle.
Best Housing Loan Rates in Singapore 2026 – Find the Lowest Home Loan Deals
Buying a home in Singapore is a big milestone, but choosing the right housing loan rates can save you thousands of dollars in the long run. Whether you are a first-time homebuyer or refinancing your current property, comparing home loan packages is the key to smarter financial planning.
Renting an Apartment in Haifa: A Guide to Finding Your Home in the Carmel
Haifa offers a unique blend of mountain scenery, sea views, and a more relaxed pace than Tel Aviv. Whether you're a student, a professional, or a family, finding the right rental requires a local strategy.
Your 2026 Guide to Buying an Executive Condominium (EC) in Singapore
Executive Condominiums (ECs) continue to be one of Singapore’s most attractive housing options, especially for buyers who want the perks of condo-style living at a more accessible price point. As we move through 2026, interest in ECs remains strong, boosted by steady demand from HDB upgraders and the limited supply of new launches each year.In recent years, EC projects have consistently performed well at launch. Lumina Grand EC, for instance, achieved impressive sales shortly after its release,
Best Personal Injury Lawyer Cost Near Me (2026 Guide)
The topic of personal injury lawyer cost near me is highly searched across the United States.Users often compare lawyer fees, local injury attorneys, and contingency payment options.There is also strong interest in legal insurance coverage and no upfront cost representation.
The Modern Patient's Guide to Full Dental Implants in America
This comprehensive guide examines contemporary implant techniques, realistic cost expectations, and how to select the right provider for your full mouth restoration.
Recommended
Dental Implant Consultation Near Me: Cost, Process & How to Choose the Right Specialist
Searching for a dental implant consultation near me is often the first step for patients considering tooth replacement solutions. Before committing to treatment, most people want to understand the cost, options, and whether they are even a good candidate for dental implants.
How Chatbot Customer Service is Revolutionising Businesses in Singapore
Tired of waiting on hold for customer support? You’re not alone. That’s why more Singapore businesses are turning to chatbot customer service — an AI-powered solution that delivers instant replies 24/7. If you’re running a business, this might be the smartest upgrade you can make today. Check out the best chatbot platforms and automation tools below.
Singapore Home Loans 2026: Updated Guide to the Best Mortgage Rates and How to Choose the Right Package
Thinking of purchasing a new home or refinancing your current mortgage in 2026? With property prices continuing their upward trend and interest rates finally steadier than before, choosing the right mortgage package has become one of the most important financial decisions for homeowners in Singapore. Whether you're upgrading, buying your very first flat, or planning to refinance to reduce interest costs, having a clear understanding of how home loans work will help you make a confident, well-inf
What Is House Hacking? How to Hack Your House for Free (or Cheaper) Housing
Housing costs have been climbing for decades, and in many parts of the U.S., the surge since 2020 has been especially hard to ignore. Rent, home prices, property taxes—everything seems to move in one direction. But there’s a practical strategy more people are quietly using to fight back against rising costs: house hacking.At its core, house hacking is about turning your home into a source of income so it helps pay for itself. Instead of seeing housing as a fixed monthly expense, house hackers tr
Airfares from Singapore to Malaysia soar up to 6 times during CNY period; train tickets sold out
Getting his hands on flight tickets to return to his home town in Ipoh, Malaysia, during Chinese New Year is a feat that Mr Tan Yik Xuan has to pull off every year.
Beyond Cashback: Building Wealth With Credit-Card Perks You Never Thought Of
If you think you already know every trick in the book when it comes to saving money, think again. Cashback is great — but most Malaysians are starting to feel like it’s no longer enough. With credit and charge cards now accounting for the majority of card payments in Malaysia, and each card being used far more often than debit cards, it’s no surprise that people are looking for smarter, more rewarding ways to make their spending work harder.What many don’t realise is that Malaysian credit-card i
The Ultimate Guide for New Launch Properties in Malaysia
Thinking about buying a new launch property in Malaysia? Whether you’re stepping into the market for the first time, upgrading your living space, or scouting for an investment with long-term potential, the process can feel like a maze. With countless projects emerging across the country, knowing where to begin is half the battle won.This guide brings together everything you need to understand before making your move — from first-time buyer essentials to location-based recommendations and project
5 Luxury Cars You Can Get in COE Category A in Singapore
Singapore’s Certificate of Entitlement (COE) system categorises cars based on engine capacity and horsepower. For Category A, vehicles must have an engine no larger than 1.6 litres and a maximum output of 130hp. While Cat A traditionally targets mainstream cars, luxury brands have recognised the appeal of lower COE premiums and now offer models that qualify, giving aspirational drivers a taste of premium motoring at a more accessible price.Here are five luxury-branded Cat A cars currently availa
13 New Cars to Watch for at the Singapore Motor Show 2026
The 2026 Singapore Motor Show has returned in a scale not seen for years. Spanning three full exhibition levels at Suntec City Convention Centre — plus the Level 1 atrium — the event brings together 37 automotive brands, marking one of the most expansive showcases since the pre-pandemic era.For car buyers, the show is not just about spectacle. While many concepts and overseas models are on display, a select group of vehicles are either available now or scheduled to arrive in Singapore in the com
Zumba, K-pop, yoga: Almost 4,000 take part in first 4 sessions of inaugural Active Fest
As the year comes to a close, many in Singapore have gotten active in a new sport and fitness festival.