Hi, 26 yo here. Does it makes sense to put in more than 10k in Singlife / dash pet/ gigantiq ( I have all 3) to enjoy 0.5/1% as house , wedding is coming up in 2-3 years ? Since it’s 75k sdic covered.

For the short term, putting in Singlife/Dash/Gigantiq is fine. When those options are out, can consider cash mgmt from robo-advisors (e.g. Syfe Cash+, Endowus Cash Smart series or Stashaway Simple).

For the long term, besides DIY, can consider the growth/higher risk investment plans from robo-advisors if you are starting small amount first as there's no transaction fees (but do note there's management fees ranging from about 0.4% - 0.8%, so do the math based on how much you plan to invest up front and regularly) and with that you can DCA as often as you want while getting access to a usually more diversified portfolio. Endowment plans is an option although I'd personally prefer not to be locked in by that for the kind of returns they give. With a long time horizon, the perceived safety net from endowment plans aren't that attractive.​​​

For parking $$$ for short term, less risk of lossing capital. Singlife/dashpet/ gigantaq make sense. Less than 5 years, i would not put in stock market , too volatile.

Personal preference i dont like endownment, it lock my $$$, and the return is sad, but have a guarantee component in it, to bait u.

If you have a timeline of more than 10years. Robo, ETF, RSP, unit trust are all a feasible method, depending on ur needs. Different instruments are created for different purpose.