What is the good proportion for savings and investment? Also, in this uncertain period, is it good to invest more?

Hi there! Based on what I've read, you can start by simple budgeting: 65% essentials (housing, food, transportation), 30% end game (your future), 5% extras (small indulgences)

Firstly, we need to have a complete understanding on our cashflow. Through this process, we will understand our earning ability and spending habit.

Here is a Guide:

Understanding Your Personal Cash Flow

Depending on your life stage and goals, the proportion gets adjusted accordingly. Generally, the guideline is to keep 3 to 6 months of monthly expenses as emergency funds. (Part 4.1) Accordingly, this will form your short term savings.

This is in addition to the funds that you may need for the short-term, e.g. buying a house in 6 months time.

As for investment, it depends on your risk appetite. In general, we will want to invest at least 10% of our money for long-term goals, e.g. retirement.

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