Am thinking of changing job to get a higher salary as my yearly increament is only at 3%. Should I take the risk or just stay until my 4th year then quit?

You'll have this same thought again come next year. Moving out of comfort zone will only make you stronger - for me it made me feel "alive" again :)

good luck!

https://seedly.sg/posts/how-often-should-you-ch...

Hello, what is the reason for waiting one more year to quit? Bonus? you can also try to ask for a raise if you think your skillsets and current standing is competitive in the market. consider your financial goals and if you are hitting the target in the next few years

It sounds like you're weighing comfort and stability against potential growth and new opportunities.