Advice on cash position / upcoming BTO matters
Hi all! Long-time lurker on this sub here, would like to seek some advice from the more financially-keen folks in this sub.
Here is my [29, M] portfolio:
- 135k in Cash (UOB one/Maribank/Singlife)
- 75k in Investments (60k in ETFs, 15k in Securities)
- 6k in CPF OA (was self-employed until this year)
Upcoming commitments:
- BTO key collection in 2028 Q4 (~120K shortfall for my share of the flat after HDB loan)
- Reno (no budget in mind yet, but not looking to break the bank)
- Wedding (also no budget in mind, but will go for something intimate and small)
Context:
- 3.8k take home pay, monthly expenses are about 800-1k excluding holiday budget.
Questions:
- Should I consider allocating more cash to investments or other low-risk vehicles such as FD/T-Bills?
- Currently we’re getting a HDB loan for around 340k, would it be wise to switch over to a bank loan so that it frees up more liquid cash for my partner and I at the point of key collection?
Open to any general advice as well! Thank you for reading :)