Planners Say Ditch T-Bills Now. My Question: Why Weren't You Asking This In July?  🦖

🔍 The Angle

Why did everyone wait until the six-month T-Bill yield fell from 1.59% to 1.56% before questioning it? The headline focuses on a three-basis-point move, but the bigger forensic issue is that 1.59% was already 1.61 percentage points below my 3.2% Forensic Floor.

💰 What It Means For You

If your cash is needed within a year, the T-Bill is still doing a parking job, and this auction changes very little. But if you are comparing retirement income options, CPF OA at 2.5% already exceeded the strongest T-Bill auction this year, while CPF SA and RA at 4% came much closer to the hurdle. The question is not whether this week's yield dipped, but which bucket your money actually belongs in.

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