If you have idle cash sitting in brokerage accounts waiting for buying opportunities, you might be missing out on yield you could be getting from cash funds. With inflation running hot (Singapore’s inflation rate was +6.7% yoy in Oct 2022) and expected to remain high, the purchasing power of that cash is being eroded pretty quickly. Source: Trading Economics You could consider putting that idle cash to work in cash funds, which are available through most online brokers and robo-advisors. Here I’m talking more about cash earmarked for investments. You would still need to have some cold hard cash you can call upon immediately in case of emergencies or unforeseen expenses. Note that the yield on cash funds changes daily and you’re not locking in the yield at the point of fund purchase/subscription, unlike fixed deposits, SSB, and T-bills. I can’t list the yields for all brokers or...