Your T-Bill at 1.4%. America at 4.6%. Here's Who's Protected and Who Isn't | EP1615🦖

Your T-Bill at 1.4%. America at 4.6%. Here's Who's Protected and Who Isn't | EP1615🦖

Everyone is staring at that 1.4 percent T-bill and feeling short-changed, but that is not where the real danger sits. The uncomfortable bit is this: the same system that keeps your daily prices stable is also quietly pushing some of your “safe” income assets toward a global debt wall. The yield gap with America looks like the story, but the real tension is hiding in the balance sheets of the trusts you already own.

For a Singapore retiree, the split is brutal. Your CPF Special Account quietly pays 4.0 percent while your six-month T-bill scrapes along at 1.4 percent, and some of your REITs are staring at 4.6 percent refinancing costs in US dollars. If you treat all three buckets as equally protected just because they sit in a “strong” Singapore, you are mixing a true sanctuary with a very leaky shield. I am walking through exactly how I separate those buckets so my retirement floor is defended before I even think about chasing yield.

📺 YouTube: https://youtu.be/NYui48lDrAc

📩 Substack: https://investingiguana.com/p/your-t-bill-at-14-america-at-46-heres