Advertisement

snowlearning

1d ago

∙

General Investing

Would you rather lock in a guaranteed return now or keep cash available in case investment opportunities appear later this year?

If you had, say, S$20k sitting in cash today, and you could either lock it into a guaranteed return for the next 6–12 months or keep it liquid in case a good investment opportunity comes up later this year, what would you do?

3

Discussion (3)

What are your thoughts?

Learn how to style your text

Susie Tapley

Edited 28m ago

That's a classic dilemma! For S$20k, I'd lean towards keeping it liquid. The flexibility to jump on a prime investment opportunity, perhaps a hot stock or a down payment on something valuable, often outweighs a modest guaranteed return. It’s like playing the Snake Game – sometimes you need to move quickly to grab the best items before they disappear. Missing out on a great deal stings more than a small missed interest payment.

🎉 Encourage Susie Tapley by liking their first comment!

Reply

Save

CH

8h ago

Sounds cliche, but if it is meant for liquid purpose, emergency uses, prefer keep it liquid. if it is meant for upcoming purchases, don't mind putting it in a short term savings or tbills.

Reply

Save

1M45

Edited 20h ago

I prefer to invest directly and remain 100% invested at all times, without holding a cash war chest....

Write your thoughts

Related Posts

Hi guys, i am rather new to investing. What would be an investment type that can earn me decent returns within the next 3 years?

Hi, what would be a good investment portfolio for someone in her early 30s with $250K in total savings? Are short term saving plans eg. lock up capital for 3-5 years with 2-3% returns good?

Hi, I am currently 40+..I have around 30k spare cash for investment. what are the best option available for high returns for the next 10 years ?

For a 26 years old, moderate risk taker, would the Great Eastern Prestige life rewards (PLR) 3 (from the 5th year onwards, I would have a guaranteed sum of $6k per year) be a good investment?

For IBKR, I have some extra cash in my account but I want to keep it liquid for a while to invest later. What should I do with the extra cash?

Related Posts

Hi guys, i am rather new to investing. What would be an investment type that can earn me decent returns within the next 3 years?

Hi, what would be a good investment portfolio for someone in her early 30s with $250K in total savings? Are short term saving plans eg. lock up capital for 3-5 years with 2-3% returns good?

Hi, I am currently 40+..I have around 30k spare cash for investment. what are the best option available for high returns for the next 10 years ?

For a 26 years old, moderate risk taker, would the Great Eastern Prestige life rewards (PLR) 3 (from the 5th year onwards, I would have a guaranteed sum of $6k per year) be a good investment?

For IBKR, I have some extra cash in my account but I want to keep it liquid for a while to invest later. What should I do with the extra cash?

Advertisement