Take-home pay is 9,1k per month,1.5 goes to folks 1.5 is used for personal+household expenses per month i am 47 years old now just paid off hdb, Savings is only 80k in OCBC how to maximise this?

Do you mean to say that you can save/invest about $6k per month?

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it's difficult to share my opinion here because i have no inkling of your saving goals and targets

Invest your money!

Although there is no right or wrong in doing business,but please keep in mind do only legal business, or else whole lot will suffer, cannot afford stupid mistakes. Earning interest is a good thing, but in fact the more interest you earn the more relationships you sacrifice as well as your financial karma. Buy down 4d station or sell cigarettes license,may not be profits but stable.

You can have some in fixed deposits or tbills a little at a time 😊