How to grow $100k of cash if a person don't know about investment and not interested in savings plan?

For the $100k cash, well done on the savings part. For the next step, maybe can split up the funds to the following.

• Do allocate the percentage of the $100,000 funds for each of the savings and investment baskets, these will help you determine the rates much easier.

• $10k funds in SingLife insurance-type savings policy account (gather the high interest of avg 1.9% - 2.5% pa maximum first

• Next, consider any ways to have higher tier savings account just to tap on the enhanced interest rates (for eg. OCBC 360), the rates is currently at 0.4% but still something way above normal bank account of 0.05%. Note that you need to have a monthly salary input of $1,800 min to let it work.

• Optionally, you can consider unit trust funds via insurance companies, they do have pretty good returns for certain policies but do take note of the "High risk, high returns" point and any fine prints, ask properly before you take up any of these plans. Do your homework first.

Buy into a S&P500 Index Fund like VOO and Dollar Cost average monthly depending on your budget. This is basically having a professional manage your money.

Avoid Financial Advisors cause they'll take a huge chunk of your premiums for themselves as commissions. Basically cut the middleman.