Hi guys, so I want to do some crowd source brainstorming.

I want to keep my 6 months emergency money somewhere. It has to be:
1)Easily accessible. Obviously because it's emergency fund.
2)I want it to return as high as possible interest.
3)must be relatively safe.

Right now here's what I can think of:
1)Savings account: Most liquid, but absolutely crap returns. If possible I don't want to put it there.
2)Put money in full flexi housing loan (if you have it).
3)Put in money market fund.
4)Put in tngo go+. But this one max limit is 20k, so hard to keep your 6 months emergency money there.

I appreciate if you guys can help give better recommendations. Especially if there are other funds or companies giving low risk, highly liquid stores of cash.

Urgent till  like that, need cash in  1hour? ada example kah?
how frequent it happens?

FD also no use la like that.

only way is keep cash at home, 24hrs available 7 days a week

if FD cant Wd online , 76% time die  standing!!
becos bank opens **5 days a week, only 8 hrs out of 24.

say 50% people can Wd FD online till only 12 am
still  63% will die standing when faced with that need for urgent cash..

A solution with more than 50% chance to fail
if it works means the problem itself is imagination,
mathematically  speaking la.

parking emergency  my choice is KDi
FD if meant to be FIXED D,not for simply WD.

** i lupa masuk PH, if masuk lagi banyak die standing!

This is a Singapore UOB Privilege account promotion … not a bad option for short term parking of emergency funds.

Either that or OCBC’s Premier Dividend account - also 3.4% no lock in. My emergency funds are parked with them as OCBC’s 3.4% has been giving me excellent returns of nearly $2,700 per month just by saving money for a rainy day!