Iggy’s Journal: The November Savings Bond Pays 1.67% in Year One and 2.45% Over Ten. Three Questions to Ask Before the 27 October Deadline

The Investing Iguana

Iggy’s Journal: The November Savings Bond Pays 1.67% in Year One and 2.45% Over Ten. Three Questions to Ask Before the 27 October Deadline

Friday 23 Oct 2026 | Afternoon

The Numbers

Singapore Savings Bond, November issue: 1.67% if redeemed after one year, and 2.45% a year averaged over ten years if held the full term. Applications close on 27 October.

An illustration from the episode, on S$10,000 for one year. The November Savings Bond pays S$167. A 1-year T-bill at 1.92% pays about S$192. A 12-month fixed deposit at 2.10% pays about S$210.

My Personal Take

The bond puts two rates on the same page, and they belong to two different holders. The 1.67% is 0.78 percentage points below the 2.45%, and on S$10,000 it sits S$25 behind the T-bill and S$43 behind the fixed deposit. Whether those S$25 and S$43 matter depends on a date only the holder knows. That is the part I keep coming back to.

📺 Free YouTube: https://youtu.be/jY_zg6iTTwM

⭐ Members Edition YouTube: https://youtu.be/OcQ5w9Mt388

📩 Substack: https://investingiguana.com/p/the-november-savings-bond-pays-167

Cheers, Iggy 🦖

Not financial advice. Iggy’s Forensic Compliance Standards apply.

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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Three Questions to Ask Before the 27 October Deadline","html":"<html><head></head><body><p></p>\n<p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/0fd0ff5b01221bfe48aa824532457af7\" tg-width=\"1536\" tg-height=\"2752\"></p>\n<p><strong>Iggy’s Journal: The November Savings Bond Pays 1.67% in Year One and 2.45% Over Ten. Three Questions to Ask Before the 27 October Deadline</strong></p>\n<p></p>\n<p>Friday 23 Oct 2026 | Afternoon</p>\n<p></p>\n<p>The Numbers</p>\n<p></p>\n<p>Singapore Savings Bond, November issue: 1.67% if redeemed after one year, and 2.45% a year averaged over ten years if held the full term. Applications close on 27 October.</p>\n<p></p>\n<p>An illustration from the episode, on S$10,000 for one year. The November Savings Bond pays S$167. A 1-year T-bill at 1.92% pays about S$192. A 12-month fixed deposit at 2.10% pays about S$210.</p>\n<p></p>\n<p>My Personal Take</p>\n<p></p>\n<p>The bond puts two rates on the same page, and they belong to two different holders. The 1.67% is 0.78 percentage points below the 2.45%, and on S$10,000 it sits S$25 behind the T-bill and S$43 behind the fixed deposit. Whether those S$25 and S$43 matter depends on a date only the holder knows. That is the part I keep coming back to.</p>\n<p></p>\n<p>📺 Free YouTube: https://youtu.be/jY_zg6iTTwM</p>\n<p>⭐ Members Edition YouTube: https://youtu.be/OcQ5w9Mt388</p>\n<p>📩 Substack: https://investingiguana.com/p/the-november-savings-bond-pays-167</p>\n<p></p>\n<p>Cheers, Iggy 🦖</p>\n<p></p>\n<p>Not financial advice. Iggy’s Forensic Compliance Standards apply.</p></body></html>","htmlText":"<html><head></head><body><p></p>\n<p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/0fd0ff5b01221bfe48aa824532457af7\" tg-width=\"1536\" tg-height=\"2752\"></p>\n<p><strong>Iggy’s Journal: The November Savings Bond Pays 1.67% in Year One and 2.45% Over Ten. Three Questions to Ask Before the 27 October Deadline</strong></p>\n<p></p>\n<p>Friday 23 Oct 2026 | Afternoon</p>\n<p></p>\n<p>The Numbers</p>\n<p></p>\n<p>Singapore Savings Bond, November issue: 1.67% if redeemed after one year, and 2.45% a year averaged over ten years if held the full term. Applications close on 27 October.</p>\n<p></p>\n<p>An illustration from the episode, on S$10,000 for one year. The November Savings Bond pays S$167. A 1-year T-bill at 1.92% pays about S$192. A 12-month fixed deposit at 2.10% pays about S$210.</p>\n<p></p>\n<p>My Personal Take</p>\n<p></p>\n<p>The bond puts two rates on the same page, and they belong to two different holders. The 1.67% is 0.78 percentage points below the 2.45%, and on S$10,000 it sits S$25 behind the T-bill and S$43 behind the fixed deposit. Whether those S$25 and S$43 matter depends on a date only the holder knows. That is the part I keep coming back to.</p>\n<p></p>\n<p>📺 Free YouTube: https://youtu.be/jY_zg6iTTwM</p>\n<p>⭐ Members Edition YouTube: https://youtu.be/OcQ5w9Mt388</p>\n<p>📩 Substack: https://investingiguana.com/p/the-november-savings-bond-pays-167</p>\n<p></p>\n<p>Cheers, Iggy 🦖</p>\n<p></p>\n<p>Not financial advice. Iggy’s Forensic Compliance Standards apply.</p></body></html>","text":"Iggy’s Journal: The November Savings Bond Pays 1.67% in Year One and 2.45% Over Ten. Three Questions to Ask Before the 27 October Deadline Friday 23 Oct 2026 | Afternoon The Numbers Singapore Savings Bond, November issue: 1.67% if redeemed after one year, and 2.45% a year averaged over ten years if held the full term. Applications close on 27 October. An illustration from the episode, on S$10,000 for one year. The November Savings Bond pays S$167. A 1-year T-bill at 1.92% pays about S$192. A 12-month fixed deposit at 2.10% pays about S$210. My Personal Take The bond puts two rates on the same page, and they belong to two different holders. The 1.67% is 0.78 percentage points below the 2.45%, and on S$10,000 it sits S$25 behind the T-bill and S$43 behind the fixed deposit. Whether those S$25 and S$43 matter depends on a date only the holder knows. That is the part I keep coming back to. 📺 Free YouTube: https://youtu.be/jY_zg6iTTwM ⭐ Members Edition YouTube: https://youtu.be/OcQ5w9Mt388 📩 Substack: https://investingiguana.com/p/the-november-savings-bond-pays-167 Cheers, Iggy 🦖 Not financial advice. Iggy’s Forensic Compliance Standards apply.","highlighted":1,"essential":1,"paper":2,"likeSize":1,"commentSize":0,"repostSize":1,"favoriteSize":0,"link":"https://ttm.financial/post/621476533321840","repostId":0,"isVote":1,"tweetType":1,"viewCount":455,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":978,"optionInvolvedFlag":false,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/621476533321840"}