I shared my theoretical SGD1m retirement portfolio a month ago and whether it was the dividend stocks portfolio or the ETF version, I decided to set aside an equal SGD200,000 as cash. Having received some emails asking me how I would allocate this amount of money among deposits, SSBs or T-bills, I thought it might be useful to provide a quarterly update on where I would park SGD200,000 on this blog. So here are some quick thoughts on where I would deposit the cash. SGD100,000 in UOB One Account (~5% p.a) There is a SGD100,000 cap for the UOB One Account, otherwise I would be tempted to just dump the entire SGD200,000 inside. The first SGD75,000 is also guaranteed by the government although counterparty risk for UOB deposits should not keep anyone awake at night. Only two requirements, credit >$1599 salary and spend $500 on a UOB credit card, which are really...