Am i holding too much liquid cash? 20k+ as emergency funds, 30k in moomoo fullterton liquidity fund. I have investments, should i transfer some over to investments?

Liquid Cash is never too much, depending on ur expenses and income levels.

Seems ok

Hi, there's no straight forward answers in my opinion.

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The general rule is to set aside 6 months of your living expenses for emergency uses and the rest towards growing for the future, after factoring all your monthly expenses.

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It may be a mixture of deposits, savings with higher interests and investments, depending on your expected milestones ahead.

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Hope it helps!

Hi, the general rule of thumb is to have a fund that is able to withstand at least 6 months of your living expenses. but this depends on many factors such as your lifestyle, stability of job, any ongoing loans and your bills. You may use this formula to decide the size of your emergency fund: Size of fund = (Monthly basic personal expenses + loan repayments + monthly expenses for dependents ) x expected longest period of unemployment in months You can read up more here to learn more on how much emergency fund to have to determine as enough, or use this emergency fund calculator. then the rest could be used for investments