You will also receive half-yearly CDP statements in June and December each year as long as you have holdings in CDP.

Savings Bonds which are allocated to you and/or interest paid will be reflected in your CDP account statement.

The information will be published on the Savings Bonds website ( and in local newspapers.

MAS will announce the interest rates for each Savings Bond, as well as the returns over different holding periods, upon opening applications for that Savings Bond issue.

The second exception is due to very small rounding differences of up to +/-0.03% that may arise in the computation of average returns for Savings Bonds.

This adjustment does not affect the return on the Savings Bond if it is held for the full 10 years. An adjustment may be made to ensure that the interest payments do not step down in any year within the life of a particular Savings Bond.

The first exception may arise from time to time if the shape of the SGS yield curve does not allow the interest rates to step-up.

5 years) is linked to the yield of an SGS of a corresponding tenor (e.g.

Coupon rates for each issuance of Savings Bonds are determined such that the average annual compounded return over an investor’s investment period (e.g.

This “step up” feature of the SSB reflects the objective of the Savings Bond programme, which is to facilitate long-term savings and investment.

Savings Bonds offer you a return that increases the longer you hold them for.

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