DO NOT BUY DEC24 SINGAPORE SAVINGS BOND! Why SSB Rates Heading To 3% Very Soon...

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  • Опубліковано 13 гру 2024

КОМЕНТАРІ • 39

  • @joshconsultancy
    @joshconsultancy  19 днів тому +3

    If you are keen to RETIRE EARLY or RETIRE SOON, ENGAGE Josh Tan for full retirement planning NOW - ►‌ www.theastuteparent.com/josh-tan
    Get copy of Nov24 JOSH TAN NEWSLETTER! - docs.google.com/forms/d/e/1FAIpQLSelcPlGej1YNTQRzdGwLxVlae8La4IyeQeZ4WmlfcmfnDig7A/viewform?usp=sf_link
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  • @jasonlim4512
    @jasonlim4512 19 днів тому +3

    Thanks Josh!😊
    1. I am going to be a cheapskate and take your free newsletter😅
    2. U explained CPF concept and strategy so much clearer than other channel and yet no huff and fluff. U prob wun get alot of eyeballs w/o the sugar coating and hypes. So, really appreciate your sincere sharings 👍
    Cheers!

  • @desmondwong664
    @desmondwong664 16 днів тому +1

    Which Singapore Bank offer the best rate of US dollar FD

  • @marcussmith2798
    @marcussmith2798 19 днів тому +2

    Thank you for the insightful sharing. I agree as well and I'm holding off purchasing reits because they have been absolutely decimated, back to 52 week lows, and Trump haven't even entered office yet... I'll probably be allocating my money to relatively risk free investments until the path is clear to buy reits again.

    • @joshconsultancy
      @joshconsultancy  19 днів тому +1

      The interest trend is never confirmed. Sentiment is fickle

    • @marcussmith2798
      @marcussmith2798 19 днів тому

      @joshconsultancy That's true, market is driven largely by rumours and sentiment. I'll see in 2025 if Trump really imposes the 10-20% and 60% heavy tariffs on china and the rest of the world.

  • @willsontoh7105
    @willsontoh7105 17 днів тому

    Ya buy asap possible I already completed the combo where every month I get money. Also throughout 10 years I will be getting average at least 3 %

  • @basic7788
    @basic7788 6 днів тому

    US Treasury will need to issue more bonds in Jan 2025. Hence, yields for bond is expected to rise further.

  • @wc2671
    @wc2671 19 днів тому +3

    Highly doubt rate will go up, I think rate likely will be going down in 2025. Maybe now is good time to add some reits on discount now.

    • @joshconsultancy
      @joshconsultancy  19 днів тому +2

      Yup. Subs and stay tuned. Reit topic up next week =)

  • @lumvincent7431
    @lumvincent7431 18 днів тому

    I not buying anymore SSB since i bought 3 tranches at very good yrly rate of 3.19,3.21 & 3.26% ! Waiting 4 Black Swan like on 5-6th Aug 2 happen again or usa mkt correction . I did buy a bit of keppel corp n DBS on 5th Aug . No enough 2 buy some more on 6th Aug as my cash n cpf OA $ stuck in T-bills 😊

  • @jy6497
    @jy6497 17 днів тому

    If one already meet FRS, would he or she be better off to aim for ERS rather than taking out money (beyond FRS amount) after 55? Afterall 4% is still better than SSB 3%. Unless one has surplus after ERS then it makes sense to withdraw sum above ERS for SSB?

    • @joshconsultancy
      @joshconsultancy  17 днів тому

      Theres a big difference, in RA account it is locked up. No more liquidity

  • @phtan6751
    @phtan6751 18 днів тому

    Josh. Don’t think CPF can be used for SSB, unless there are changes.

    • @joshconsultancy
      @joshconsultancy  18 днів тому

      Cannot. As in for those above 55 with FRS, cpf can be withdrawn and it opens the possibility

  • @tuckwengtor9421
    @tuckwengtor9421 19 днів тому +1

    Not sure where you get your assumption that SSB will climb to 3+%, even if it will be increased, I think it will inch towards a high 2% and will not exceed average 3% for the next SSB lah.

  • @tritonyeah
    @tritonyeah 19 днів тому

    what would you advise investing cpf oa into to get above 2.5% with relatively low risk?

    • @joshconsultancy
      @joshconsultancy  19 днів тому +1

      Hi, I think we need to qualify whats relatively low risk.
      CPF to SSB (for above age55 with FRS) is risk free to risk free.
      If not it is an investment of CPF under CPFIS and risk profile must be comfortable k

  • @elleelsie5989
    @elleelsie5989 17 днів тому

    I would like a copy of free newsletter

    • @joshconsultancy
      @joshconsultancy  17 днів тому

      Get copy of Nov24 JOSH TAN NEWSLETTER! - docs.google.com/forms/d/e/1FAIpQLSelcPlGej1YNTQRzdGwLxVlae8La4IyeQeZ4WmlfcmfnDig7A/viewform?usp=sf_link

  • @taywyin
    @taywyin 19 днів тому

    Hi Josh, on 6:45 wonder why are you using US Government Securities 10Y Yield Chart to predict Singapore Saving Bond yield in January. You should be using Singapore Government 10Y bond yield instead, which is highly unlikely to be above 3% for the SSB January issue. SG10Y currently stood at 2.879%

  • @Phonedumb
    @Phonedumb 19 днів тому

    Josh, any advise to get higher than 4% yield with low risk (not 0 risk). Reits are too risky for that matter

    • @joshconsultancy
      @joshconsultancy  19 днів тому +1

      This question cannot be answered with a particular idea. Unless it's CPFSA.
      Other high yield stocks or banks, also has volatility
      High yield bonds, I think also undervalued, even more volatility than reit
      Would instead advocate to look for investments with good risk/reward

    • @Phonedumb
      @Phonedumb 19 днів тому

      @joshconsultancy haiz .... even high yield bonds (junk status) do not offer good yields. Banks i find too rich already, reits don't srem to have any light at the end of the tunnel. Doesn't seem to be any reasonably low risk avenue to invest the outcoming balance shielded SA funds 🤔

  • @nickchew1779
    @nickchew1779 3 дні тому

    Jan 2025 SSB at 2.86% 10-yr ave.

  • @dividendnomatt
    @dividendnomatt 19 днів тому

    JL, I managed to lock in 1.65% mortgage fixed for 5yrs since 2022 from Dbs. And SSB lock in at 3.3%+. 😂 how, good or not?

  • @bobafett5757
    @bobafett5757 19 днів тому +3

    Josh me no understanding leh your previous video said to wait Dec SSB to buy now u say dont buy wait until next year 3% if dont buy now later next year it falls below 3% then how we lose the opportunity so in Dec got bonus can let us know where to invest now ?

    • @joshconsultancy
      @joshconsultancy  19 днів тому +2

      Closing on 27nov is selling DEC24 issue - dont buy now
      Closing on 27Dec is selling Jan25 issue - wait for this one =)

    • @bobafett5757
      @bobafett5757 19 днів тому +1

      @joshconsultancy Ok now then me got some understanding so thanks Josh 👍

  • @JS-ev4xc
    @JS-ev4xc 19 днів тому

    Based on the logic you explained, SSB bonds will be on the uprising trends especially when Trump gets into office. So maybe not in a hurry? 😀

    • @joshconsultancy
      @joshconsultancy  19 днів тому +1

      The interest trend is never confirmed. What if recession worries suddenly start building?