Singapore just reclaimed top spot on the global charts, but your wallet at home in Bedok may be quietly bleeding. In this episode, I walk through why a 1.48% T-Bill and rising SP electricity tariffs can turn “playing safe” into a guaranteed loss once you factor in inflation and your HDB power bill. We unpack the simple 2% spread rule for electricity contracts so you are not overpaying every month while your CPF and SRS sit in low-yield parking bays. Think of it as a kopitiam-level audit of how your cash, T-Bills and power contract actually work together.
Key takeaways:
Why 1.48% T-Bills can still lose to inflation after your next NTUC run
How the 2% spread rule tells you if your electricity plan is worth switching
Why your SP regulated tariff is not “fake news”, but still not always your best deal
How CPF, SRS, T-Bills and your monthly power bill fit into one retirement picture
What MAS putting Bybit on the Investor Alert List really signals about “safe” platforms
Iggy’s Forensic Disclaimer
This content is produced for educational and informational purposes only. I am not a financial advisor — I am a retail investor who applies forensic analysis to my own portfolio and shares that process publicly. Nothing here constitutes a recommendation to buy, sell, or hold any security, and no specific target prices or personalised financial advice are offered. Stocks assessed under Iggy’s Forensic Yield Standard are benchmarked against a 4.7% minimum yield hurdle; stocks flagged as Growth Watch fall below this threshold but demonstrate clean balance sheet metrics and an identifiable growth catalyst — these carry a materially different risk profile and are not suitable as yield replacements for income-dependent investors. All data is sourced from public filings and verified sources; where data is unverified it is explicitly flagged. All investments carry risk, including the potential loss of principal, and past performance is not indicative of future results. If you are making investment decisions involving CPF, SRS, or personal capital, please conduct your own due diligence or consult a MAS-licensed financial adviser before committing funds.
