Hey gurus! Would love to hear your thoughts on how I can better optimise my asset allocation. 23 years old 1st-year university student graduating in 2023. Any suggestions?

1) Savings

• Singlife (2.5% p.a) > $10,000.00
• Elastiq (2.02% p.a) > $39,589.90
• Jumpstart (1% p.a) > $692.73
• DBS (0.05% p.a) > $1,000.00 (min balance)
• MB SaveUp > $10.00 (min balance)

2) Outstanding Student Credit Card Payment (pending bill)

• MB eVibes > ($152.88)
• DBS Live Fresh > ($500)

3) Investments

• Stocks > $9,725.00
• Endowus > $3,400.00
• Autowealth > $3,000.00

Total = $66,764.75

I also applied for the interest-free tuition loan, will pay lumpsum in full upon graduation.