If I have emergency funds saved up, what would you do with bonus? Should I use it all for investments?

Spend abit on yourself and others. save/ invest the rest.

​

Hey there! Very good question when it comes to extra funds but there's a few things to consider before moving forward!

​

1. It depends on your risk appetite, are you a risk taker or are you more conservative? (This will shape your investment assets)
2. What are your long-term/short-term goals. Are you building towards a house/car?
3. How much are you referring to when it comes to bonus? Have you built other forms of savings like an Expense fund or travel fund?
4. Why do you want to invest in the first place?

If there's more you'd like to discuss, I'm always happy to help!

​

If I had my emergency fund sorted, I'd split the bonus between investing and other priorities. A portion could go into investments—whether short-term or long-term depends on your goals. Just make sure to watch out for scams when investing this guide on avoiding investment scams has some great tips. Balance and caution are key!

It depends on your age, job stability and risk appetite. Singapore real estate is a resilient investment you could consider. Consult a financial planner or real estate professional to see how you could grow your money. Definitely, do also allocate a portion of this bonus to reward yourself!