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Aug 20 at 10:03 PM
Beansprout Says Wait For The Next SSB. My Question: Wait For What, Exactly? ๐ฆ
๐ The Angle
Everyone is asking whether to apply for this month's SSB or wait for next month's rate. The real question is whether this money should be earning SSB rates at all. My forensic floor sits at 3.2%, and neither 2.25% nor the projected 2.33% clears it.
๐ฐ What It Means For You
If your CPF Special Account is yielding 4% guaranteed, it already beats every SSB rate on the table. SSBs earn their keep for liquidity, not retirement income, so know which job your cash is actually doing. If you are treating the same pool as both safety buffer and retirement drawdown, it usually does both badly.
๐บ YouTube: https://youtu.be/Z3yDosWZN3M
๐ฉ Substack: https://investingiguana.com/p/beansprout-says-wait-for-the-next
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