How much is your emergency funds and where do you put them

Easiest way is to use SingLife

The quantum will more or less depend on the stability of your job and commitments. Normally, 6-month living expenses should suffice but 12-month would be good as no one knows when Murphy's Law will .

The emergency fund is supposed to be liquid so you can consider money markets/short-term bonds where interest is marginally higher than bank savings rate, and withdrawal is within days.

Https://blog.seedly.sg/emergency-fund/

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This article should help. Given the current market conditions, I'd say save aggressively and go for 12 months' worth of your monthly expenses. The reason is that the average recession is 11 months. Better be safe than sorry!

I'd say at least 6M of monthly expenses.

Also, do you foresee any major life expenses coming up in the next 1-2 years, such as for Renovation, down payment of a house (amount above CPF OA) and starting a family. You should apportion those out as well, maybe in a high interest savings account or somewhere with the lowest risk.