Overall:
Warchest/ shares ratio remained high, which should be reduced for better return on capital.
Emergency fund can cover > 2 years living costs, which can be further reduced (1 years should be good enough).
Here is the list of accounts where i have parked my war chest and/or emergency fund:
Standard Chartered BonusSaver
1.6% interest (fulfill partial criteria only - salary bank in, credit card spending > $500, bill payment)
Standard Chartered Esaver
1.05 - 1.2% interest.
Drawback - Only for 2 months on incremental balance.
First $10,000 - 2.5% interest
Next $90,000 - 1%
Benefits - Get insurance benefits based on account balance
Drawback - Interest rate subject to change (no guarantee)
I get this idea from Heartlandboy blog:
SRS
Used to buy Singapore saving bond, wait for opportunities. If things go wrong, this can be withdrawn & use as emergency fund, with 5% penalty.
Forex Currency FDs
~2% interest
CPF OA
Always ensure OA balance sufficient for 1 year housing loan installment
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