I’ve come across this question several times as the amount of cash I’ve indicated seems relatively low in comparison with my invested capital. 

‘Do I have an Emergency Funds available?’
The answer is, Yes. I do. 
I’ve also indicated this at the bottom of my page on ‘Portfolio’:

Portfolio you see here does not include emergency funds, CPF funds or any other form of money required for daily expenses. Funds/equities here are purely my investment portfolio which I’ve established when I’m 19 years old back in 2017. Also, should the market evaporate completely, I will not starve because of what that is here. 

The keyword is ‘starve because of what that is here’


It’s definitely not pleasant to go through this sticky situation twice after 2016.

Read: Polytechnic Student with $3.63 as Net Worth – 1 Year Later

If you are going to starve because of your investment in big financial events such as GFC