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新加坡政府国库券的截止收益率（cut-off yield）不断攀升，2022年12月8日拍卖的一批六个月国库券，取得1988年以来最高截止收益率（4.4％）。另一方面，新加坡储蓄债券（Singapore Savings Bond）的利率也持续走高，2022年12月发行的储蓄债券10年平均利率升至3.47％，最新一批将在3月发行的储蓄债券10年平均利率虽然已跌至2.9％，但高于一年前水平。国库券和储蓄债券都是较低风险的投资工具，作为理财新手，应该如何抉择？怎样避免陷入投资误区，如何建立多元化投资组合？See omnystudio.com/listener for privacy information.
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