Singapore Government Securities

IMPORTANT: Before applying, please refer to our guide for details on the application process and requirements, and commonly asked questions.

At a Glance

Fully backed by the Government

A sound way to diversify your investment portfolio

Earn regular interest

SGS BondsSGS Bonds are tradable government debt securities that pay a fixed interest every 6 months.SGS Bonds can help you:

Diversify your investment portfolio.

Receive a fixed, steady income until the bond matures.

Invest in a safe, long-term product.

For more information, you can refer to MAS SGS Bonds.To Apply New Issues

Cash	Supplementary Retirement Scheme (SRS)	*CPFIS Ordinary Account	CPFIS Special Account
Please log in to digibank Online or digibank app from 6pm on Announcement Date to 1 business day before Auction Date at 9pm. *Note: Foreigners applying using their CPFIS-OA Account will need submit their applications at any DBS/POSB branch (within the same application timelines)			You may visit any DBS/POSB branch to submit your applications from the announcement date to 2 business days (before 10 am) before the auction date.

Investors without a CPF Investment Account would need to take the Self-Awareness Questionnaire (SAQ).

Find out how much of your OA and SA savings you can invest.
Log in to my cpf digital services with your Singpass > Select my cpf > My dashboards > Investment

To Buy or Sell Existing IssuesBuying

Clients can select from a wide range of issues that are in the market now, subject to availability.

Traded at the current market value. The value changes on daily basis.

Using SRS and CPF funds, please note that ONLY DBS SRS account holders and DBS CPFIA holders are able to buy or sell T-Bill issues through DBS. Otherwise, please reach out to your agent bank for application.

Selling

Sold at the current market value. The value changes on daily basis. Selling prior to maturity may result in losses.

Cash	Supplementary Retirement Scheme (SRS)	CPFIS Ordinary Account	CPFIS Special Account
If you have a DBS Vickers account, please log in to digibank. You may also visit any DBS/POSB branch to submit your applications.	If you have a DBS Vickers account, please log in to digibank. You may also visit any DBS/POSB branch to submit your applications.	If you have a DBS Vickers account, please log in to digibank. You may also visit any DBS/POSB branch to submit your applications.	You may visit any DBS/POSB branch to submit your applications.

All new/existing CPFIS investors would need to take the Self-Awareness Questionnaire (SAQ).For more information on SGS Bonds, please visit our Help & Support article.

Treasury Bills (T-Bills)

Treasury Bills (T-Bills) are short-term Singapore Government Securities (SGS) issued at a discount to their face value. Investors receive the full face value at maturity. The Government issues 6-month and 1-year T-bills.

SGS Bonds can help you:

Diversify your investment portfolio
Receive a fixed interest payment at maturity
Invest in a safe, short-term investment option

For more information, you can refer to MAS T-Bills.

To Apply New Issues

Cash	Supplementary Retirement Scheme (SRS)	*CPFIS Ordinary Account	CPFIS Special Account
Please log in to digibank Online or digibank app from 6pm on Announcement Date to 1 business day before Auction Date at 9pm. *Note: Foreigners applying using their CPFIS-OA Account will need submit their applications at any DBS/POSB branch (within the same application timelines)			You may visit any DBS/POSB branch to submit your applications from the announcement date to 2 business days (before 10 am) before the auction date.

Investors without a CPF Investment Account would need to take the Self-Awareness Questionnaire (SAQ).
Find out how much of your OA and SA savings you can invest.
Log in to my cpf digital services with your Singpass > Select my cpf > My dashboards > Investment

To Buy or Sell Existing Issues

Buying

Clients can select from a wide range of issues that are in the market now, subject to availability.
Traded at the current market value. The value changes on daily basis.
Using SRS and CPF funds, please note that ONLY DBS SRS account holders and DBS CPFIA holders are able to buy or sell T-Bill issues through DBS. Otherwise, please reach out to your agent bank for application.

Selling

Sold at the current market value. The value changes on daily basis. Selling prior to maturity may result in losses.
Using SRS and CPF funds, please note that ONLY DBS SRS account holders and DBS CPFIA holders are able to buy or sell T-Bill issues through DBS. Otherwise, please reach out to your agent bank for application.

Cash	Supplementary Retirement Scheme (SRS)	CPFIS Ordinary Account	CPFIS Special Account
You may visit any DBS/POSB branch to submit your applications.	You may visit any DBS/POSB branch to submit your applications.	You may visit any DBS/POSB branch to submit your applications.	You may visit any DBS/POSB branch to submit your applications.

All new/existing CPFIS investors would need to take the Self-Awareness Questionnaire (SAQ).

For more information on SGS Bonds, please visit our Help & Support article.

Singapore Savings Bonds (SSB)Singapore Savings Bonds (SSB) provides individuals with a long-term savings option that offers safe returns.
At a Glance:Full Return of PrincipalGet back your investment amount in full.
Suitable for the long-termThe longer you hold your bond, the higher the return.
Flexible redemptionIf you need to cut short the redemption term, there is no penalty for exiting your investment early.

For more information, you can refer to MAS SSB.
To Apply / Redeem

Cash	Supplementary Retirement Scheme (SRS)
Please log in to digibank Online or digibank app from 6pm on the 1st business day of the month till 9pm on the last 4th business day of the month. You may also apply or redeem SSBs using a DBS/POSB ATM.	Please log in to digibank Online or digibank app from 6pm on the 1st business day of the month till 9pm on the last 4th business day of the month.

Practise good money habitsTo counter inflation and longevity risks, not investing is a risk. Build wealth by buying quality assets and allow time for them to compound and grow. A good money habit is investing regularly to harness the power of compounding. Invest at least 10% of your take-home pay and grow your investments to at least 50% of your net worth.

Terms and ConditionsSingapore Government Securities Terms and Conditions

For more information on Singapore Savings Bonds (SSB) please visit our Help & Support article.

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