Where is a good place to keep half of your savings since FD rate is so low now and investment for noob? Need flexibility to take out some of the money next year.

Robo Advisor

Short duration bond funds are relatively low risk. UTs also allow fast withdrawal of funds when need arises. One fund to consider is LionGlobal Short Duration Bond Cl A, which has an annualised return of at least 2.8% thus far.

For me I put the into products like Singlife and singtel dash. These are good because they do not have a lock in period while the rates are also higher than your deposits account from banks

Robo-Advisor!!

Such as Stashaway / Syfe, choose a plan (aggressive) and DCA monthly till next year. If done correctly can get up to 10% per annum returns. (not the cash management plans, those about 1.2% returns).​​​