Part 4/10:

A simple starting point involves using Singapore savings bonds (SSBs). For instance, investing $1,000 split evenly over 12 months into SSBs means receiving your first payout around month seven, with subsequent payouts every month as each bond’s interest is credited. An investor like Elijah, who built his ladder during rising interest rates in 2022, exemplifies this approach. He purchased multiple SSBs monthly, creating a staggered schedule that yields regular monthly payouts—approximately $20 per month on a $20,000 investment, assuming similar interest rates.