[Tangsen]

Security                                :   SGS T-Bills
Issue Code                              :  
Issue Date                              :   29 Nov 2022
Auction / Allotment Date                :   24 Nov 2022
Tenor                                   :   182 Days
Type of Bid                             :   Non Competitive
Cut-off Yield                           :   3.9 % p.a.
Cut-off Price                           :   98.06%

I got 75% allotment 

[p1acebo]

Cash, SRS or CPF?

[p1acebo]

Seems the COY is going down. 4.19%, then 4.0% and now 3.9%

[sogo]

noobs anyhow ballot lor

[sgh]

Time to source for short term FD now

[SgWinner]

alot of investors put in competitor bid below 4%

[sogo]

alot of investors put in competitor bid below 4%

Bill below 4% put fd ok ok liao

[Tangsen]

Cash, SRS or CPF?

Cash

[Scythian]

.
CPF Board underwrites the whole SGS Bonds issue @ 3.90%

Then pays CPF OA @ 2.50% pa

[Stoki]

UOB FD is 3.85% for 1 year.

This T-bills is 3.9% for 6 months, Not so good leh

[Tangsen]

UOB FD is 3.85% for 1 year.

This T-bills is 3.9% for 6 months, Not so good leh

UOB must queue. T-bills … just click click … tikum tikum 20-30k … easy work

[p1acebo]

Cash

If you put in FD for RHB you can get 4.1%  12 mths deposit.

[Tangsen]

If you put in FD for RHB you can get 4.1%  12 mths deposit.

Must go to the bank, I just sit at home … click click click …. done 

[sogo]

Must go to the bank, I just sit at home … click click click …. done 

i place FD also at home clicking only. where got queue?

[p1acebo]

Must go to the bank, I just sit at home … click click click …. done 

https://rhbgroup.com.sg/rhb/personal/fix...t-campaign

Don't think so, just download their app in the comfort of your home.

[Tangsen]

i place FD also at home clicking only. where got queue?

Din know, anyway another .2% …. its ok lah
Not like I putting a few millions

[p1acebo]

To me, using C bid for T bills very hard to get a good price nowadays due to the hordes of CPF OA funds available, and as more and more unkers and aunties are enlightened and start to deploy them.  

Heck, anything above 2.5% (OA rate) is good enough for them.  

Of course for the more enlightened folks the T Bill B/E rate should miniminally be at least 3.3% as you don't earn interest (actually compounded interest) from the CPF for 7 to 8 months depending on the auction date and issue date of the T bill as well.  

With FD rates at 4.1% and even 4.2% nowadays I think cash portion can deploy to FD, leaving your CPF and SRS funds to fight it out in T Bills

[Levin]

If you put in FD for RHB you can get 4.1%  12 mths deposit.

I thought 4.1% is for 24 months.

Bangkok Bank did give 4.4% earlier but must be at least 2mil deposit.

[p1acebo]

I thought 4.1% is for 24 months.

Bangkok Bank did give 4.4% earlier but must be at least 2mil deposit.

Yes, correct for 24 months at 4.1% minimum amount is $20k.

I don't have 2 million but I can cough up $20k lah

[Scythian]

.

CPF CEO is happy to pay your money @ 2.50% pa

Fully gaurantee by Singapore Govt : Risk Free.

You will sleep better 😪

[Stoki]

RHB even better, 4.1% for 2 years some more and can do online somemore.

T-bill only 6 months of 3.9% and you have to do it every 6 months and also get very low savings interest between applications.

[sgbuffett]

When everyone is chasing fixed rates it just shows that ok nferest rate is too high and best investment go in ng forward will be stocks as the crowd is always wrong.

[p1acebo]

When everyone is chasing fixed rates it just shows that ok nferest rate is too high and best investment go in ng forward will be stocks as the crowd is always wrong.

So says the revered reverse indicator

[p1acebo]

RHB even better, 4.1% for 2 years some more and can do online somemore.

T-bill only 6 months of 3.9% and you have to do it every 6 months and also get very low savings interest between applications.

Yes, I am of the same opinion

[Bigbluedot]

like that apple for 20k, how much should i get?

[sgh]

RHB even better, 4.1% for 2 years some more and can do online somemore.

T-bill only 6 months of 3.9% and you have to do it every 6 months and also get very low savings interest between applications.

Different schools of thought. In rising rate ppl wan short term like 3-6 months so can do again and chase higher rate after mature. You the other camp want to lock on for 2 years ok

[sogo]

Different schools of thought. In rising rate ppl wan short term like 3-6 months so can do again and chase higher rate after mature. You the other camp want to lock on for 2 years ok

Skali fed hike Dec is last time liao leh? If lock in still got higher rates to collect money