As an undergraduate, what is the ratio of savings, spending, investment, insurance and etc should I allocate with a total saving of $10k so that I can move out by age 25?

With the idea of moving out by age 25 - realistically without a partner in Singapore, you might have to look towards renting.

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A quick search on Property Guru would show that you would need about a min of $800 - $1,500 a month for rental.

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I would suggest not allocating more than 20-30% of my Income (AKA $2,700 - $7,500) and 1% of my Net Worth (AKA $80,000 - $150,000, not including CPF)

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These would be your goals coming out of university. If you are looking to purchase a Studio Condo, you would have to get AT LEAST 5% (In cash) and 20% (In CPF) of the property value for downpayment purposes, of course.... not considering the income required to afford a loan. If you need an excel sheet to calculate this, drop me a DM and I'll share it with you!

I personally use the 4-3-2-1 approach for my own financial allocation. In your case, perhaps 40% to savings would be recommended. Reason being you are an undergraduate (usually aged 20-24) and you wish to move out by age 25. This means your time horizon is too short for your investment to make a significant growth to finance yourself moving out. Hence, you shouldn't bank on investment to finance yourself because you never know if your portfolio may drop in the period you want to move out. Imagine yourself being caught in the crash of March 2020 when you wish to move out.

For savings, you can consider the Cash management accounts (https://www.singsaver.com.sg/blog/best-cash-man...) for their liquidity and higher-than-bank interest rates.

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Spending and insurance will eat into your financial capability to move out and so, you will want to control your spending as much as possible in these two areas. (1) Spending wise: keep a habit of tracking your expenses to identify areas you make avoidable expenses and adjust accordingly. Be thifty whenever possible. (2) Insurance: you should first check what kind of policies you have currently. Hospital and personal accident plans are for yourself and are most affordable. Assuming you have no one to pass on your death benefit to, you can postpone on getting whole life plans with death benefit since the death benefit is for the loved one you leave behind, not yourself. Alternatively, if you have loved ones to pass your death benefit onto, you can consider term plans to stretch your dollars as much as possible for coverage. $1,000 (10% of $10,000) should suffice someone as young as you for Hospital, Personal Accident plan and Term plan. This is assuming you do not choose the highest level of coverage for either of them. You should consider critical illness plans because the benefits will be for yourself but they are usually more expensive.

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Assuming moving out is your top priority, I would suggest your ratio as 40% savings, 30% investment, 20% expenses and 10% insurance. On a last note, you may want to edit your question to add in more details for others to help you. For examples; your age, expected monthly rent for your first house (unless you are BTO-ing with a partner at age 25), monthly income, monthly (expense) commitments, current policies you have.