Wouldnt mind mentioning the amount of cash that i have but most probably those who are butthurt with my savings accounta amount would either say i'm a dupe or stress that i created an account in January 2019 without realising what happened to my previous account

ok la, that is a good investment, though make sure your loan repayments isnt eating up too much of your salary.

You need to have sufficient cash for emergency purposes

Nice, fiancee is aiming to get a condo as our second home (probably for rental) but i'm skeptical if we should do it.

Rather park our cash in stocks as my returns on stocks have been > than property rental