Would you focus on preparing your annual emergency funds much earlier before payment date or from saving on monthly basis along with the way with investment?

Hi Seedly Folks & Gurus,

Just want to ask your preference about annual funds, fees that we have to pay :
Health, Accidents Insurance and others, Taxes, annual investment /endowment plan on annual basis

1. would you focus on prepare the fund much earlier before payment date (spend less on investment portion)
   or
2. do you prepare the fund from saving on monthly basis along with the way with investment?

This is just a preference question.

Your sharing is appreciated :)