What is your view on the SGS (Singapore Government Securities)? Is it worth buying the bond for retail investors like me?
The interest rate paid on SGS is quite low, less than 1% per year, but it is safe.
If you can get a higher interest rate from bank deposits (which is guaranteed by the Government), it is better to put on bank deposit. The foreign banks offer higher interest rate and are still guaranteed by the Singapore Government.
If you wish to have a higher return, it is better to invest in a ETF (exchange traded fund). The return may be volatile in the short term, but it should give an attractive return over 10 years or longer.