If my goal is to gain some extra amount from my $20k cash, would it be worth it placing in Syfe Cash+ or ISP like Singlife or DASH pet?

I will choose Syfe as I did Daly this year , so far so good

Firstly, how long do you NOT need these cash? That determines whether you want to go 10K with Singlife (just 1% pa, very short horizon) or not. If you have more time (and this depends on what is the concept of "more"), then I always suggest you just invest maybe 15K into a good Singapore REIT. Majority of SG Reits (SG focus, do not think if US, China focus reits for now), provides at least 5% pa with very little risks. It is also easy to liquidate giving you cash within just a few days. I don't like funds because the fees and commissions always ruin the returns. REITs gives you a 100% tax free income that has no tie in or fees - except when you buy in or sell but that's taken by the stock brokerage & SGX/CDP. It's a one time one off fee that is clear open and transparent.

Hi,

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• Singlife only offers 1% interest up to $10K
• I would instead consider putting it in Endowus CashSmart's Ultra portfolio for 1.9-2.1% gains instead

Temasek Bond pays a fixed Interest Rate of 1.8% per annum, payable at the end of every six month period, and has a tenor of five years from the expected Issue Date of 24 November 2021.

https://www.temasek.com.sg/en/news-and-views/ne...