Anonymous

Edited 26 Nov 2021

∙

General Investing

I have 50% of my savings invested (40% SWRD, 8% US stocks, 2% others). For the remaining 50% in bank, I plan to keep 20% cash (emergency, expense), what should I do with the remaining 30%?

For the remaining 30%, I am thinking if I should add more SWRD and US stocks, or look into SG markets.Are there any suggestions that I can explore?
Is 20% cash in bank better put elsewhere? Any suggestions?

6

Discussion (6)

What are your thoughts?

Learn how to style your text

The Growth Hunter

01 Dec 2021

Home-based Trader at https://t.me/the_growth_hunter

Ask yourself if you have a proven strategy/process for your stocks investments.

If there is, great, do not hesitate to allocate more.

If there isn't, generally allocating more cash into your stocks pile is equivalent to filling water in a leaking bucket. Another analogy you can ask yourself is "If your business is not profitable, will you pour more money in or will you stop the bleeding?"

There are other opportunities that you can explore.

Reply

Save

Wrong Sean

26 Nov 2021

For emergency funds, best to keep them as liquid as possible.

Savings that are invested are called investments.

Reply

Save

CH

Edited 26 Nov 2021

If you want it to be liquid, put in short term bonds or money market funds.

if you can withstand vo...

Write your thoughts

Related Posts

For the 50-30-20 Allocation Rule where 20% is for savings, what if we have reached the max of our emergency fund? Do we still continue to keep 20% as savings or it moves into investment portion?

Hi! We have about 40k in cash in various bank savings account. Is it wise to invest it right now? Keeping in mind I just worked for 3 months (fresh grad) and am planning to get married next year.?

Started investing with 1) Cash: SWRD, 2) CPF-OA thru Endowus: Lion Global Infinity US 500 Stock Index Fund only, 3) SRS thru Endowus: Dimensional Global Core Equity Fund only. Does it look ok?

I have invested $20k into stocks (40%), Roboadvisors,(5%),Endowment (35%),ILP (20%), with savings of $5k. My Investment:Savings ratio is 4:1. Am I doing it right and safe?

I’m currently invested in US stocks and my goal is to live of dividends 20 years later and let the compound interest take its course but the tax on dividends from us stocks are extremely high like 30%

Related Posts

For the 50-30-20 Allocation Rule where 20% is for savings, what if we have reached the max of our emergency fund? Do we still continue to keep 20% as savings or it moves into investment portion?

Hi! We have about 40k in cash in various bank savings account. Is it wise to invest it right now? Keeping in mind I just worked for 3 months (fresh grad) and am planning to get married next year.?

Started investing with 1) Cash: SWRD, 2) CPF-OA thru Endowus: Lion Global Infinity US 500 Stock Index Fund only, 3) SRS thru Endowus: Dimensional Global Core Equity Fund only. Does it look ok?

I have invested $20k into stocks (40%), Roboadvisors,(5%),Endowment (35%),ILP (20%), with savings of $5k. My Investment:Savings ratio is 4:1. Am I doing it right and safe?

I’m currently invested in US stocks and my goal is to live of dividends 20 years later and let the compound interest take its course but the tax on dividends from us stocks are extremely high like 30%