Investing in Savings Bonds
How to invest in Savings Bonds, including buying and redeeming and getting interest payments.
Singapore Savings Bonds
Safe and flexible bonds for individual investors. Enjoy returns that increase over time and redeem in any month without penalty.
Overview
Safe
Fully backed by the Singapore Government. You can always get your investment amount back in full with no capital loss.
Long-term
Invest for up to 10 years with interest that increases over time. The longer you save, the higher your return.
Flexible
You can choose to exit your investment in any given month, with no penalties. There is no need to decide on a specific investment period at the start.
Buying and Redeeming
Who Can Buy
- Open to individuals aged 18 years and above. You will need a bank account with one of the three local banks and an individual CDP Securities account.
How to Buy
Apply through DBS/POSB, OCBC and UOB ATMs or internet banking, or OCBC's mobile application. SRS investors may apply through their respective SRS Operator's internet banking portal.
How to Redeem
Redeem your Savings Bonds in any given month before the bond matures, with no penalty. You'll be paid the principal and any accrued interest.
Benefits
Savings Bonds complement your other savings and investments as a safe way to save for the long term.
Start Small
You don't need to set aside a large amount of money - start with as little as S$500.Save for Retirement
If you are a retiree or nearing retirement, Savings Bonds can be a safe and flexible way to maintain the value of your nest egg.Set Up a Rainy Day Fund
Earn step-up interest on your savings while having the flexibility to access your funds within a month.Diversify Your Investments
If you're an active investor, you can diversify the risk in your portfolio by allocating a portion to Savings Bonds.Investor Guide
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