{
  "id": 1252941,
  "title": "Financial planners urge investors to consider other options as T-bills yields lose steam",
  "url": "https://urgent.news/2026/08/16/financial-planners-urge-investors-to-consider-other-options-as-t",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-16T11:05:30.000Z",
  "source": {
    "name": "The Business Times - Singapore",
    "slug": "the-business-times-singapore",
    "url": "https://www.businesstimes.com.sg/singapore/financial-planners-urge-investors-consider-other-options-t-bills-yields-lose-steam"
  },
  "original_language": "en",
  "account": "Singapore investment advisers are urging investors to look beyond low-yielding Treasury bills and Singapore Savings Bonds, as their yields continue to decline. A DBS report from last year revealed that many older Singaporeans, particularly those aged 35 to 44, still rely heavily on T-bills and SSBs, allocating around 60% of their investments to these instruments. However, experts warn that this over-reliance on these low-growth assets could hinder long-term wealth accumulation, as retirees may need between S$550,000 and S$1.3 million to maintain their desired lifestyle, assuming a 20-year retirement period with an annual inflation rate of 2.5%. While T-bills and SSBs remain popular due to their government backing and predictable returns, they may not be the optimal choice for long-term savings. Investment professionals suggest considering a mix of equities and bonds, tailored to individual risk tolerance, to enhance long-term returns and preserve purchasing power against inflation.",
  "summary": "Investment advisers caution that more needs to be put into equities",
  "key_points": [
    "Singapore investment advisers advise diversification from low-yielding T-bills and SSBs.",
    "DBS report shows older Singaporeans heavily invest in T-bills and SSBs (60%).",
    "Experts warn over-reliance on low-growth assets hinders long-term wealth accumulation."
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}