I need help in my personal finances

UOB one account pays decent interest especially if you credited your pay as well. For 'safe' investment, you can try t bills.

If you are willing to invest, then take some time to research on what to invest in. There are good resources like wokesalaryman etc to refer to for basic personal finance then you can expand further to look into ETFs to see what to invest into

At 27, you're at a crucial milestone many of my clients face - that pivotal point where smart financial decisions can dramatically impact your future wealth. Your situation reminds me of a client I worked with recently - a software engineer who, like you, had built a solid emergency fund but wasn't sure about the next steps. Today, after restructuring his financial framework, he's confidently building wealth while protecting his future.

Let me break down your situation through a milestone-based lens:

1. Protection Foundation
   That $5,700 annual insurance premium raises some important considerations. Without knowing your coverage details, I can't determine if you're adequately protected against critical illness, disability, and hospitalization - key risks for professionals in their prime earning years. I've seen many cases where higher premiums don't necessarily translate to comprehensive coverage.

2. Investment Structure
   Your current investment approach with the AIA Pro Achiever ILP as your primary vehicle needs a closer look. While ILPs serve a purpose, their fee structure often impacts long-term returns. You're currently allocating:

• $1,000 monthly to ILP
• $800 monthly to company shares

This creates concentration risk, especially with company shares. I've helped numerous clients restructure their portfolios to better align with their risk tolerance and life goals.

3. Cash Management
   Your $25-30k in UOB ONE provides a foundation, but let's optimize it:

• Maintain 6 months of expenses as emergency fund
• Consider allocating the rest across:
• Singapore government bonds for stability
• Low-cost ETFs tracking broad market indices
• High-interest savings accounts for short-term goals

4. Education Investment
   Your commitment to part-time education is commendable - it's an investment in your earning potential. However, we need to ensure it complements rather than compromises your wealth-building strategy.

Here's what I recommend:
1. Review your protection framework - ensure comprehensive coverage without overlap
2. Consider restructuring your investments toward more cost-efficient vehicles
3. Implement a diversified asset allocation strategy

Recently, I helped a client in your age group reduce his investment fees by 1.2% annually while improving diversification. Over 20 years, this could mean hundreds of thousands in additional retirement savings.

Remember: The best financial strategy isn't about chasing returns - it's about building a framework that evolves with your life milestones.

For more insights on milestone-based financial planning and weekly tips for young professionals, follow me on Instagram @ngooooied.

Hate to say this but who sold you ILP deserve to treat u to a holiday. your agent friend would thank you. every 1k u invest he gets 700 for first few years.

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i think u just keep as cash for the first 100k. i think uob one account interest shld be decent. eventually u need to buy a hse.

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pls no more ILP. even simple cpf top up like VCMA or RSTU is so much better than ILP. or even just simple t bill for short term