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_________________________________________________
Singapore's 6-month treasury bill hits 4.19% yield, highest since 1988
This marks the highest yield on a six-month T-bill since more than 30 years ago, when the return rate peaked at 4.73 per cent.

Applied $10,000 for T-bill Oct 2022 Issue: 4.19% p.a.
Applied $10,000 for SSB Nov 2022 issue: 3.21% p.a.
Both 100% allotted

Interest payments:
T-bills are issued at a discount and investors will receive the full face value at maturity ($208.90 for $10K investment for 6 months), meaning I paid $9,791.10 for a $10,000 T-bill)

SSB interest is paid twice a year. Expected next SSB interest to come in Nov 2022 + 6 months = May 2023

Interest rates:
SSB 3% Fixed rate & Announced prior
T-bill 4% Wait for Bid results after application closed
A competitive bid allows applicants to specify the yield they are willing to accept, while a non-competitive bid is one where investors only specify the amount they want to invest but not the yield.
- I chose Non-competitive

Holding period:
SSB 10 years annualised 3.21% long term borrowing
T-bill only get 4% interest for 6 months, short term
Prepare for wedding, housing, renovation, short term saving solutions

Funding:
Cash and SRS for Both T-bill can use CPF OA

Application: Both can use internet banking but CPF OA need to go branch

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