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Many investors rushed to buy T-Bills when it was more than 4%. But T-Bills are a year or less in tenure so there is always a risk where the yield is lower during the next renewal.

A piece of good news is that long-term interest rates have risen. Singapore Government Bonds with tenure between 2-year to 50-year are yielding more than 3% now! That means you can lock in a higher interest for your CPFOA for decades to come!