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Ronald Szie

18 Apr 2019

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How much do you set aside funds for liquidity and how much to invest?

I am saving for a few years but recently I am hesitant to invest in them. I WOnder how would you allocate funds for emergency purposes and how much should I put in investments? I do not want a situation when I need to liquidate investments (or even borrow) to handle some sudden expenses.

AMA SG Young Investment

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Yong Kah Hwee

25 Sep 2018

I would set aside at least 6-12 months of emergency savings, just like what the others said. you can consider putting this money into a high interest savings account so that you can at least get some returns out of them :)

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Jeff Yeo

25 Sep 2018

amateur Social contributor at School of social sharing

6-12 months of emergency funds

everything put in investments should be with mind set that it can be wiped out. There is always a risk element

safer options might be:

Singapore savings bonds
fixed deposit
higher savings accounts

Lower risk with high liquidity

ETF

high risk high liquidity

stocks

in your case to avoid

bonds
P2P
cryto currency

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SG Young Investment

11 Sep 2018

Financial Blogger at SG Young Investment

I set aside at least 6 months of my monthly expenses as energency funds. Also, if I need money say f...

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I have set aside 1 year of emergency fund. Other than that, is there anything else that I need to set aside for before taking it to invest?

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