Is It Profitable to Swap Your Existing SSB with New SSB (SBJAN25)?

Should you redeem your existing SSB and apply for the new SSB (SBJAN25)? Will you earn more interest?

The new SSB (SBJAN25) has a 10-year average return of 2.86% p.a. You should not compare your existing SSB with the new one based on the 10-year average return alone, as the 2 SSB issues very likely have different interest rates from year 1 to year 10.

The calculator below compares your existing SSB with the new one side-by-side and shows you the exact difference in the interest earned. This will help you to make an informed decision.

Swap Existing SSB

You can check your current SSB holdings with My Savings Bonds.

With

Amount in SGD

Min 500, max 200000, in multiples of 500.

Check the health of your SSB portfolio with SSB Portfolio Analyzer.