What are all the best ways for investments & savings in Singapore ?

What is your original goal for this money?

• Yield
• End Goal Amount
• Purpose of Spending

What do you understand from recessions?

• Duration of a recession
• Standard drops in a recession
• Extreme drops in a recession
• Factors that foretell a recession and how reliably
• Why you think a recession will happen

How is the current performance of your funds?

• Is it anywhere close to its all-time high, and is that a cause for concern?
• Is it in a climbing trend, stagnation or downward trend? And for how long?
• Are any of these movements unprecedented?
• Has the volatility spiked beyond the time you first looked at the fund?

Personal Considerations:

• How long is your investment duration? (refer back to ‘Original Goal for this Money’). Do you risk compromising the portfolio by switching out to something less aggressive?
• How long are you willing to wait for a recession to happen?
• At what price are you looking at switching to cash?
• At what price are you looking at switching back to your original portfolio? Or a different one, and if so, why?

Your Alternatives: Do you understand each of the characteristics, strengths and weaknesses, potential costs of these alternatives?

• Savings Accounts
• Fixed Deposits
• Global Bond Funds
• Local Bond Funds
• Local Bonds
• Short Term Endowments
• Gold
• Money Market Funds
• SSBs