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For someone with S$10,000 sitting in cash, how would you split it between a high-interest savings account, fixed deposit, T-bills and ETFs?
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Personally, something like 20% in a high-interest savings account, 20% in T-bills or fixed deposits for stability, and 60% in a low-cost global ETF would be a simple long-term approach, assuming the money isn't needed in the next few years.
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Personally, I think choosing a stable savings method is best. The current market environment isn't great, and risky investment projects need to be avoided. There are many savings methods; just choose the one with the highest interest rate. Digital dollar savings are a pretty good option