If I have a lump sum (e.g. 50k) which I might need to utilise within the next 1 to 2 years, what should I do with this amount in the meantime? 100% capital preservation is not necessary.?

Hello Anon!

I think you can start narrowing down the options you have by deciding what risk level you're open to taking! One option that is not often readily explored is alternative investments which can give higher returns in comparison to bank products or insurance plans - you can read more about one here.

Similar to Arpita below, my job is to help investors to make better financial decisions. I can help you by introducing some options after understanding more about your investment/saving needs.

Don't be shy to reach out to me via the link in my profile :)

Hi Anon,

There are plenty of safe ways to invest your money and have it grow. You can go for REITs, other ETFs and bonds, but before you do that, I'd suggest you read up as much to understand what a Robo-advisor really does. Robo-advisory platforms assess your current financial position and recommend a portfolio strategy after reviewing your risk profile. These bionic advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. And the best part is that they give you the most unbiased advice.

You can read here for a better understanding.

I work at kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

I hope this helps you make the right decision.

The best option by a large margin would probably be p2p lending sites like SeedIn or CoAssets.

I'm actually really surprised no one brought it up, since 100% capital preservation is not necessary.

SeedIn currently has zero defaults over the last 6 years and depending on the bond that you choose on a first come first serve basis, you can yield 5 - 17% net of fees.

The bonds are flexible and can last anywhere between 6 months to two years, again entirely based on your choice and preference.

You can nudge me if you'd like a referral code for 'priority' queue.

https://www.facebook.com/luke.ho.54

Hi,

When it comes to investing, a long holding period of stocks is required. If you need to utilise the money in the next 1 to 2 years then Singapore Saving Bonds may be a better option.