try read info/tips from this site, it has useful info that is easy to read, non biased and informative.
http://www.moneysense.gov.sg/Financial-Pla...-Resources.aspx

just my 2 sens
most would advocate having a cash buffer of 3~ 6 months of monthly expenses in Emergency fund will never make you feel don't have liquid cash when needed.

housing loan interest is 4.5% (approximate),...get a financial planner (not those that insist of you buying their products and only buy from them -- conflict of interest----between your real interest and their commission-mah) to help review your risk appetite and do some investment that can "TRY" to get anything above housing loan rate.....

without going for financial planner, a simple one, I can think of is, ASX-fixed price funds......(to me it is secure, liquid and usually paying > housing loan rate.)

do you have an exit plan if you are not able to work any more,......housing loan and daily expenses how?
transfer this risk to somewhere.....have you done that?

......my 2 sens are obtained from that website with link provided....

Is your prop rented out? If yes, dun pay down the loan at all because housing loan int is cheap and is deductible against rental income, invest your surplus funds in PNB funds to generate more than 5%.

Yes, those fixed priced ones if can get. If your property is rented out and if you have paid off the loans, the whole rental income minus some expenses will be taxable income. If your work income or business income is high, your rental income will be taxed at maximum tax bracket .

Hey maybe I can help shed some light on financial planners since I'm one. Basically most FPs in Malaysia are trying to sell u insurance and mutual funds, they earn commissions based on the products you buy.

Some (like me) are fee only FPs to avoid conflicts of interests.
You can message me any time to talk about your financial issues, I do basic financial planning for free because I enjoy it. =D

how many % of your current income are being used to pay the loan of the condo?
how many % can you save pm from your current pay PLUS rental from condo after MINUS all other expenses (including loan repayment and condo fees)

wow at 40~50% is very good
will you be able to get back to your past income level once you had decided you wanted to stop your current break and restart your working life?
can you be able to get back into working life easily?
how is your "luck" on stock picking (gain/loss) experience in your 12% investment on KLSE (growth and dividend stocks) & 9% on US stocks?

if the luck is not that great and if the expected investment return is not of high...may i suggest that you seek an investment planner to help chart a more holistic investment route and vehicle that suit your risk and expectation.
as i think your monthly saving amount is larger than many of the people here.

I just shifted my savings to singapore bank account

U can search the theead “opening a singapore savings account”

The steps are there
I feel more secure wit my money there

But i cant collect interest

use your money in SG bank for investment...instead of sitting there?