Topic: Emergency Fund
3 posts tagged “Emergency Fund”.
Where to Park Your Buffer
An emergency fund has one job — to be there, in full, the moment you need it. That makes access matter more than yield. Here is how Singapore's main parking options trade off liquidity against return, with the rates current as at June 2026.
Why the Emergency Fund Comes First
Before you invest a single dollar, build a cash buffer. The reason is simple arithmetic: without one, an ordinary shock gets paid for with debt — and at Singapore credit-card rates of around 26% a year, that turns a manageable problem into an expensive one.
How Big Should Your Buffer Be?
"Three to six months of expenses" is the standard answer, but the right size depends on you. The more variable your income and the more people who depend on it, the bigger the cushion you need. Here is how to size yours rather than borrow a generic number.