Your T-bill looks weak next to US yields — but that gap is not what’s hurting you. Singapore protects your spending power through a stronger dollar, not higher rates. The real risk sits quietly inside REITs borrowing in USD, where rising global rates can squeeze your income. This episode breaks down what’s truly safe, and where the cracks are forming.
Key takeaways:
CPF Special Account at 4% quietly outperforms low T-bill yields
Low T-bill rates trade yield for stronger purchasing power
REITs with USD debt face rising refinancing pressure
Headline yield gaps hide currency mechanics that matter more
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.
