The latest yield comparison table (as of June 21, 2025) provides a comprehensive overview of fixed income and alternative investment options available to Singapore-based investors. The table highlights current annual yields, risk levels, and other key metrics across a spectrum of products, from government bonds to private credit funds.
Key Highlights:
Risk-Free Options: Singapore government securities such as the 6-Month and 1-Year T Bills, as well as the Singapore Savings Bonds, continue to offer stable, risk-free returns ranging from 1.96% to 2.49% per annum. These instruments are denominated in SGD and are ideal for conservative investors seeking capital preservation.
Fixed Deposits: Fixed deposits at major banks like Maybank and OCBC provide yields between 1.65% and 2.05%. These are also low-risk, SGD-denominated products, with SDIC insurance coverage up to $100,000.
Global Bond Funds: Low-cost global bond funds (Amundi and Dimensional) offer higher yields (3.49% to 3.54%) with moderate risk, as indicated by 3-year standard deviations around 4.7%–4.9%. These funds provide broad diversification, with thousands of underlying securities.
Short and High Yield Bonds: The United SD IG Bond Fund, focusing on short-duration investment-grade bonds, yields 4.21% with relatively low volatility (1.23%). High-yield bond ETFs and funds such as iShare Asia HY Bond ETF and Blackrock Asia HY Bond Fund deliver significantly higher yields (7.70%–8.19%), but with much higher risk (standard deviation above 14%).
REITs: Singapore-listed REITs, both via the $CSOP iEdge SREIT ETF US$(SRU.SI)$ $CSOP S-REITs INDEX ETF(SRT.SI)$ and a weighted average of the sector, offer yields above 6%. These are classified as listed alternative investments and are suitable for investors seeking income with some exposure to real estate markets. $LION-PHILLIP S-REIT(CLR.SI)$
Private Credit Funds: Unlisted private credit funds, such as the SEA Private Credit Fund and Australia Private Credit Fund, stand out with the highest yields (7.50%–10.00%) and low reported volatility (below 1%). However, these products are less liquid and may carry higher credit and operational risks, making them suitable for sophisticated investors with longer investment horizons.
Yield Comparison Table for Different Yield Asset Classes
Conclusion: Singapore investors have a wide range of fixed income and alternative investment options, each with its own risk-return profile. Government bonds and fixed deposits remain the go-to for safety, while global bond funds and REITs offer higher yields with moderate risk. For those seeking even higher returns and willing to accept liquidity and credit risks, private credit funds present compelling opportunities. As always, investors should align their choices with their risk tolerance, investment horizon, and overall portfolio strategy.
Disclaimer: This analysis is for informational purposes only and should not be construed as financial advice. Investors are encouraged to consult with a qualified advisor before making investment decisions.
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