Hi AK, I'm new to your site, saw quite a few interesting post from you.. Wonder if I can get some advise and directions to investment... Have $50k spare cash, now searching for what to invest... I have a $500k HDB housing loan. Some financial advisors asked me to switch to bank loan. Instead of using my spare cash to clear my housing loan, look for an investment product which is stable and has a good interest rate which is above the bank loan interest like JPMorgan Funds - Asia Pacific Income and First State Dividend Advantage. Considering the US situation with the new president, USD is likely to rise with the promising policies to come. Then with the increase value of USD and decreasing value of SGD, would USD linked investments be good. Any recommendation? Hi C, I don't recommend stuff. I am only talking to myself in my blog......