Ask Your CIO: All about T-bills, FD, SSBs, Cash Smart, and bonds

With rising interest rates, savers and investors now have plenty of options as banks raise deposit rates, while Treasury bills (T-bills) and Singapore Savings Bonds (SSBs) offer higher yields. Cash management solutions and bond funds are also offering higher projected rates.

But which is right for you and what are the tradeoffs? Each solution comes with its own unique limitation, and it’s important to understand the tradeoffs that go beyond a comparison of rates.

Join this interactive Ask Your CIO session as Samuel Rhee, Chairman and Chief Investment Officer of Endowus, answers common questions from clients and discusses:

1. Why interest rates have been rising and what we can expect in 2023
2. What you should consider before investing in cash management solutions
3. Fixed deposits, T-bills, SSBs, Cash Smart — what the tradeoffs are

Chapters
00:00 – Ask Your CIO: All about T-bills, FD, SSBs, Cash Smart, and bonds
05:04 – When will interest rates be peaking?
08:45 – Market yields have already priced in worst Fed hikes by year-end
13:14 – Is the US economy finally slowing down? Stagflation risks have receded
18:08 – Fixed income markets of China and emerging economies have rebounded
23:42 – What are the different options for managing my cash now?
34:19 – Cash Smart December 2022 performance update
36:20 – Not all fixed income portfolios are the same
41:05 – The Endowus Cash Smart underlying funds are offering attractive yields
43:15 – How to buy these funds at the lowest cost in Singapore
49:36 – Why the Endowus Fund Smart is the most affordable option in Singapore
56:30 – Q&A: How do the Endowus Income Portfolios compare to Cash Smart?
1:05:50 – Q&A: What are the resilient asset classes during times of stagflation?
1:08:35 – Q&A: With interest rates expecting to fall in 2023/2024, how would you view the options over the longer term?

Our MAS Licensed Financial Advisors are always here to help
► Contact Support: https://sg.endow.us/3CLtvhl
► Join a step-by-step session on using the Endowus platform: https://sg.endow.us/3DdAHEH
► Schedule an Advisory Call: https://sg.endow.us/3Sgddmu

Investment involves risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance is not guaranteed. Please refer to our full disclaimer here: https://sg.endow.us/3Ad3XZ4