Part 10/11:

The current environment of rising interest rates offers a unique opportunity for Singaporean investors to earn higher yields through government-backed securities. T-bills and SGS bonds now outperform fixed deposits and CPF interest rates, making them attractive options for both short-term savings and long-term retirement planning.

However, investors should remain mindful of the inherent risks, especially regarding market fluctuations and interest rate changes. For newcomers, Singapore Savings Bonds provide a safe and flexible starting point, enabling gradual confidence building in investing.