The last time I checked my cash level was in November 2018 where I have only 31% cash on hand and 69% was invested in stocks. If you didn’t know, I considered monies in my DBS Multiplier Savings Account, Singapore Savings Bonds (SSB) and cash benefits payouts from NTUC Revosave as “Cash”. These are monies that I can easily redeem in event of an investment opportunity or in terms of emergency such as a job retrenchment etc.

“Investments” are stocks and REITs that I have bought. If you wonder why I am plotting the above pie chart to track my cash versus my total investments, the reason is meant to ensure that I do not over invest in the stock market. Personally, I felt that the stock market is very unpredictable and you may never know when is the next stock market crisis. Having a healthy cash on hand